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Mortgage Poll

Which way do you think interest rates will trend in the next 6 months?

Up more than 1% - 9.9%
Up slightly - 30.6%
No change - 38.2%
Down slightly - 13.5%
Down more than 1% - 2%
Don't Know - 3.5%

Total votes: 2154
The voting for this poll has ended on: April 30, 2019
Integrated Mortgage Planners - GTA - Toronto

If you want independent mortgage advice from a long-time industry insider about purchasing, refinancing or renewing, you've come to the right place. I work with Canadians from coast to coast and my website and blog will equip you with information, (candid) commentary, and an array of easy to use tools.

Here is what you can expect if you contact me:

  • Personalized service from an experienced industry expert
    (no call centres and no annoying voicemail instructions).
  • Independent, unbiased advice about what's in your best interest.
    (You will get the same advice I'd give to my mom.)
  • A great rate that comes with terms and conditions that match your long-term needs.
  • Ongoing advice, when you need it.
  • Fun. If you think mortgages (and saving money) are boring, you obviously haven't been talking to me!

Check Out Dave’s Latest Blog Post for Breaking News on Canadian Mortgage Rates:

Five Takeaways from the Bank of Canada’s Latest Policy Statement

Monday Morning Interest Rate Update for December 9, 2019

The Bank of Canada didn't raise rates last week and it sounded surprisingly optimistic about our economy's prospects. Today's post offers my take.

Read Post: Five Takeaways from the Bank of Canada’s Latest Policy Statement

Read What Dave's Past Clients Said

David was a pleasure to work with, always easy to get in touch with and happy to make time for us. He answered all of our questions, proving additional resources where needed. He worked quickly for our short time frame, got us a great mortgage, and left us feeling very confident about our decisions. We would highly recommend David and look forward to working with him in the future.

Martin and Johanna S.

Dave is amazing to work with! He's extremely knowledgeable, very helpful, patient and always there whenever I had a question or concern no matter how big or small. Even if there were no updates, he still kept in touch. He's the kind of person you would want to walk you through the mortgage process. I would DEFINITELY recommend him to my friends an family. Thank you so much Dave! I appreciate everything you've done for me!

Andrea F.

It was really great working with David, he was responsive, worked hard to help us get the rate we wanted and very knowledgeable.

Sarah G. and Jeff F.

David Larock was extremely helpful in getting us a line of credit. From start to finish it was less than two weeks and he resolved all issues that came up. We had been with the Royal Bank for over 25 years but after retirement with no fixed income, they quickly pointed us to a second party when we went to them to get a line of credit. If RBC had pointed us to TMG then we would have be quite satisfied but their solution was twice the cost. We are extremely happy with Dave and would recommend him to anyone we know.

Gordon P. and Nancy S.

Dave's exceptional level of knowledge and service gave my fiancée and I peace of mind during the home buying process. Dave was always friendly, accessible and proactive, and happily answered our questions when we had them. It was clear he cares deeply about his clients. I would recommend him to anyone!

Rob M. and Nicollette I.

David: You proved yourself invaluable when an obstacle was thrown in to the process. Your knowledge, matter of fact approach and ability to adapt, I believe, was truly above and beyond what would be reasonable to consider good service. It is during the difficult moments that the exceptional show themselves and you have earned our trust unequivocally. Yours truly, Owen & Jessica.

Owen R. and Jessica D.

David helped us navigate the complexities of setting up a new mortgage and was able to recommend options that helped maximize what we could reasonably borrow within our budget. He was very easy to work with and kept us informed throughout the whole application and closing process.

Monika and Adam H.

If you are looking for someone to help you get a mortgage, or refinance, Dave is your guy. He's smart, he's determined, he explains everything clearly, and he stays close through the whole process. I had a rather unique and challenging situation, but Dave took it on with relish, and found me an amazing deal in very short order. I highly recommend Dave and team -- trust me, you will not be disappointed.

Eunice M.

David is an excellent mortgage broker: transparent, fair, insightful and efficient. Thank you and your team for the help.

Peter and Diana P. 

Dave Larock was amazing. He walked me through every step of the way, answering all of my questions... big and very small. I felt very confident that I had made all of the right decisions at the end of it and even learned a few things along the way. I wish I had know about IMP the first time I had to get a mortgage... I would have saved myself a fortune! I will definitely come back to Dave for my next mortgage. I have already passed his name to friends and will continue to do so.

Andrea C. and Graham H.

Dave was very helpful and supportive. When a last minute problem arose, he went to bat for us with the lender. We really felt he had our back!

Sylvia K and William G.

Dave was fantastic to deal with! Super knowledgeable and helpful - especially for myself, a first time home buyer, learning how to make the best mortgage decisions. I would highly recommend Dave to my friends and family and look forward to his continued great service for my existing mortgage. Thank you Dave!

Kimberley S.

 I'm a repeat customer and will continue to be. Enough said. ''

George M.

I worked with Dave on my most recent mortgage and he made the entire process simple and fun. I've recommended him to friends and they've also had a great experience. I recommend Dave Larock without hesitation.

Jess M.

Dave was highly professional and extremely helpful in allowing us to secure a mortgage on our dream home. He is very experienced with any mortgage questions and knows lender guidelines and is happy to answer all of your questions. He is also very prompt at returning phone calls and emails. I would recommend and use his services in the future.

Camille P. and Peter G.

Best in class. Mr. Larock combines a strong financial and economic background with a keen eye for detail. Client for life.

T. McKenzie

When my partner and I started looking at homes, our real estate agent we went with recommended David and his team at IMP. We met with him for a consultation and we could see why he came recommended. David was polite, patient and answered all the questions we had (we had many). He was realistic and spelled out our options plainly. After we somehow managed to find our home and seal the deal, he didn't push us toward any one lender, he provided us with a few options to choose from that best suited us. Overall, a very good experience and would definitely use IMP again in the future. Thanks again!

James P. and Alex S.

We are extremely pleased with the customer service Dave provided to us! When he says he'll give you the same service he would give his mom, he means it!! You honestly don't find this type of customer service too often these days and having it while making the biggest investment of our lives so far was refreshing!

As first time home buyers we didn't understand the process and had a lot of questions, but Dave always took the time to answer all of our questions and ensure we understood. We really appreciate your hard work in securing our mortgage and would most definitely recommend you to friends and family!

Cheryl F.

Dave is personable, thoughtful, and he sure knows his stuff. As first time homebuyers, we really appreciated Dave's advice— via email and phone for our specific questions, and more generally through his blog. He was quick to respond to any question or request we had, and kept us informed as we moved through the buying process. We'd definitely recommend homebuyers-to-be reach out to Dave.

Jonathan S. and Jacqueline A.

My experience with Dave at Integrated Mortgage Planners was excellent. He is amazingly knowledgeable, not just with mortgages per se, but with global and national economic conditions that affect mortgage issues. I would highly recommend him and plan to use him again in the future. Definitely 5 Star Rating!

Brian and Anna G.

This was the first time we used a mortgage broker and a Dave was great! He took the time explaining everything thoroughly (wealth of knowledge!) and was reachable to answer our questions at any time. We'll definitely come back when it's time to re-new. The process was seamless and would not hesitate to refer you to friends and family.

Sharon and Huy N.

As a first time home buyer, David was incredibly efficient and helpful with the process. He answered all of my (millions) of questions promptly and his professionalism exceeded my expectations. I would gladly recommend him to both family and friends.S

Sonja M.

Dave provided fantastic and thorough advice and helped with all the logistics. He answered all my questions and definitely exceeded my expectations. i would definitely recommend Dave for anyone who needs either mortgage advice or a mortgage or both, and also recommend his very pertinent and articulate weekly column.

Caroline C.

Dave was an excellent asset in navigating the crazy process of purchasing and financing a home in Toronto. We would recommend him anytime to our friends and family. Thanks Dave!

Devin and Jennifer K.

 

Dave made my first home purchase extremely smooth and rewarding. I truly can't thank him enough!

Rob T.

David and his team were extremely knowledgeable and helped guide us through the entire process of getting a mortgage. Not only was the customer service top notch, they also provided us with a rate that the big banks couldn’t come close to matching.

Matt and Tasha J.

David Larock was an absolute pleasure to work with. He was extremely informative and offered excellent advice. He was able to get us a very low rate and made the process very easy. I would highly recommend working with him in the future and will do so myself again. Thanks David!

Robbie G and Meredith T.

David is amazing! I was referred to him by a close friend who told me David was the best in the business, David not only met my expectations he exceeded them! I was extremely impressed with David’s flexibility and the fact he was always reachable. My mortgage financing deadline was short so I found it very helpful that David remained on top of my file and was always in contact, if he missed my call he was quick to get back to me which was greatly appreciated and made me feel like a valued client. David was professional and knowledgeable throughout the whole process and even followed up with a call to see how my move went and if I’m happy with everything...nice touch! High recommend to family, friends, and all!

Oliwer W.

Couldn't have been happier with the service. David explained everything to me step by step and I really appreciated all the help.

Elizabeth D and Stephen M.

David was amazing to work with. Being a first time home buyer, we were unsure of the entire process - but David took us through step by step and provided us with all the information which made us feel at ease and supported throughout. He definitely went above and beyond and we couldn't be happier!

Rehana M. and Hussein J.