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Mortgage Poll

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

Up more than 1% - 11.6%
Up slightly - 30.1%
No change - 36.5%
Down slightly - 13.4%
Down more than 1% - 1.9%
Don't Know - 3.4%

Total votes: 2531
The voting for this poll has ended on: April 1, 2022
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:

US Inflation Falls in April (Sort of)

Monday Morning Interest Rate Update for May 16, 2022

Last week’s US inflation data offered a glimmer of hope that US inflation may finally have peaked (and that would be good news for Canadian mortgage rates).

Read Post: US Inflation Falls in April (Sort of)

Read What Dave's Past Clients Said

Dave is really knowledgeable and on top of things. He took the time to explain to us our options and what made the most sense for us.

Jenny L. and Sam C.

David is incredibly knowledgeable, provides honest advice, and competitive products. We have used his services multiple times and have also recommended him to a number of friends who have also appreciated his help. It will be well worth your time to reach out and get his advice.

Colin M. and Michelle T. 

Well :-) This is my second time going with Dave. As usual he was very informative. And I felt he was more interested in my well-being than my money. Everything went smoothly. Communication was clear. Process of getting things done was straightforward and simple. Everything went very well. I appreciate Dave's knowledge and integrity and commitment. Thanks again Dave :-)

Derek C.

David helped make the process of re-negotiating our mortgage seamless and easy and we were very happy with the results. We would definitely recommend his services.

Nate F. and Joyce R. 

 

Dave was both super knowledgeable and super responsive. He quickly and clearly answered any questions I had about the process, and felt confident that we were in good hands from the beginning of the process through closing. I'd happily recommend Dave's services to anyone.

Shane and Hilary B.

David was super supportive and helpful from the beginning of our process when we approached him. He smoothed the road by clarifying every single complicated paragraph thru our documentation. His knowledge of the market and what all other parties offering was so helpful to enable us to choose our source. For any comparison, he always came up with options and we trusted him all the way thru. I definitely recommend him to anyone who needs a trustful source with a high knowledge of this business. I wish to add that his updates on his website and daily blog is extremely helpful to understand the language of this business.

Baharak R. and Amelie W.

Thanks Dave, you were a great addition to a very exciting and of course stressful change. Your prompt response and follow up was key to helping us track this decision to grab our dream home. I am in real estate and would highly recommend you to any of my clients. Thank you.

Jeff and Nisa S.

Thanks, Dave. You take care of it all so well!

Nichol and Adele R.

Dave is very knowledgeable and kept us updated throughout the process. It was a pleasure working with him!


Avin and Carly B.

As a first time home buyer and new to the world of mortgages, Dave was so knowledgeable, approachable and easily reachable during my pre-approval process. I had a million questions, but no questions were ever stupid and he really held my hand throughout the whole learning process...I was certainly not one of his million dollar mortgage clients, but I sure felt like one considering the amount of time he spent on my application.

His mortgage update newsletters are highly informative and useful as well. In fact, his blog/newsletter is what made me feel good about going with him because his ability to forecast and/or give recommendations didn't seem to be based so much on sales tactics but on sound economic principles/knowledge and on significant real estate/mortgage industry knowledge.

I have already recommended David to my friends and I'm a client for life now!

Esther H.

Integrated Mortgage Planners, specifically Dave Larock and Melanie Haggarty, were so incredibly helpful in securing our mortgage. My wife and I are first time home buyers and very new to the world of real estate and mortgages. They really took their time to explain the process and make sure we had all the necessary documentation in place, they left nothing to chance. They even made sure to secure us the best deal on our mortgage at the lowest possible rate that is being offered on the market. Dave really takes the time to listen to what his clients want and provide advice that is in THEIR best interest. He goes out of his way to offer advice that will make home buying as affordable as possible for his clients. By the time our mortgage was finalized and we took possession of our house, we had no doubt in our mind that we made a good choice in working with Integrated Mortgage Planners.

Mike M and Catelyn G.

This is the second time I've used Dave for a my mortgage, ie: in this case a refinance with a lower borrowing rate due to favourable market changes. I work in the financial services industry and use him for my personal mortgage as he's a subject- matter-expert in this area. He creates solutions based your individual needs and locates deals which are more competitive than those if you were to negotiate directly with the Lenders yourself.

Michael S. 

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

Peter and Diana P. 

This was my third mortgage, and first time working with David, and he was by far the most knowledgeable and trustworthy person that I've dealt with. I highly recommend to anyone. Just get on the phone with him for 10 minutes, and you'll know exactly what I'm talking about.

David P and Natalia V.

Dave is very knowledgeable and diligent with his follow-ups. I would highly recommend IMP.

Ali K.

Dave answered all my questions and concerns promptly. He is very knowledgeable in his field.

Sam R.

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 has been great at helping me get the best deal possible, and sorting out any complications along the way. His guidance was very helpful to me when dealing with the overwhelming first-time home buying experience!

Ian T.

David was extremely helpful and always available to answer all our questions on a timely fashion. He thoroughly explained all aspects of our mortgage renewal and we will definitely refer him to our family and friends. Thank you David.

Nelson M. and Tina R.

David provided us with expert advice and sound options throughout the purchase and financing process for our new home. It's a time in life when you need exactly that. Thank you David!

Norm and Linda C.

I have used the services of David for two mortgages and recommended his expertise to family and friends. I have great confidence in his knowledge, expertise and, most important, ethics.

Catherine M.

This was my third mortgage transaction with David Larock and the team at Integrated Mortgage Planners Inc. over the past 6 years. David has always ensured that my financial needs were top priority and has worked diligently to provide guidance in the mortgage negotiation process. I highly recommend David and his team to anyone looking for the best mortgage options at highly reputable lending institutions.

Susan M.

It was a pleasure dealing with Dave Larock for our mortgage. He was easy to get a hold of, was extremely organized and made the process seamless. Very professional and knowledgeable. We will definitely work with Dave again.

Caley M. and Marie-France L.

 

My wife and I got Dave's name from our realtor. We have dealt with mortgage brokers in the past and didn't find them very helpful. Our impression changed completely after one phone call with Dave. He was very knowledgeable, patient, attentive, and personable. Dave also gave us a strong sense that he really wanted to find us the best mortgage possible. When we ran into some difficulties closing on our house, Dave went above and beyond to ensure that we were successful. He provided us ongoing updates and clear/helpful advice throughout the process. We are also very pleased that Dave will continue to work with us in the future to ensure that we continue to have the most competitive mortgage possible. He is a valued member of our team!

Joseph and Jen K.

Our mortgage application process involved some complex issues and unforeseen developments. David Larock was thorough, professional and understanding throughout. We wouldn't hesitate to recommend him.

Lesile B. and Geoff B.

Dave Larock helped make the purchase of my home a stress-free event. He ensured that every aspect was completed in a thorough and efficient manner, allowing me to feel confident throughout the process. I have already recommended him to others and will continue to do so.

Jodi L.

We’ve worked with Dave twice now, and would never even consider going back to doing it on our own or with a different broker. Honest, straightforward, expert-knowledge, and a pleasure to work with.

Sean M. and Renee C.

I am very happy with the service Dave provided. He was very knowledgeable and answered all my questions, and also gave very informative advice on selecting the right type of mortgage. He was able to guide me through the process of re-financing as well as acquiring a HELOC. I would definitely recommend Integrated Mortgage Planners Inc. to anyone looking for a mortgage broker to assist them in acquiring a mortgage.

Adam C. and Kadia P.

From day one Dave was a true professional answering all of my questions and laid out the options available to me. It was a pleasure dealing with him.

Jawed and Nasrien A. 

Professionalism at it's finest !!! What more could one ask for? Once again, thank-you very much David.

George H.