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Mortgage Poll

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

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:

What Will Happen to Canadian Mortgage Rates When the Pandemic Ends?

Monday Morning Interest Rate Update for November 30, 2020

Today's post challenges the notions that the pandemic will end some time in 2021 and that mortgage rates will move higher soon in anticipation of that outcome.

Read Post: What Will Happen to Canadian Mortgage Rates When the Pandemic Ends?

Read What Dave's Past Clients Said

I will be recommending Dave to any of my friends that are looking for mortgage broker. He exceeded our expectations, and he'll do the same for you too. Use him!

Matt S.

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.

David Larock did a great job not only making the process very efficient but also in securing a fantastic rate and flexible overall credit plan that will serve me well in the future! He is a patient and persistent expert in the mortgage field. Thank you again.

Tim H.

Not only were we provided with the best rate and exceptional service, Dave took the time to educate me on the different types of mortgages. Being new to mortgages, learning about the different types of mortgages was extremely valuable. We truly appreciate all of Dave's help. Thanks.  

Peter H. and Melissa C

Our Mortgage Broker David Larock is fantastic at what he does. In addition to just helping us get our mortgage for our home, he also keeps us up to date with a quarterly newsletter that provides in-depth insight and advice about mortgage planning. I can not speak highly enough of his thorough, professional and personal work.

Jim D. and Laura H.

 

David made it very clear from his actions that he was working on my behalf. He is persistent, patient and innovative. Good guy to have in your corner.

Keith T.

"David was an incredible support and point of reference throughout this whole process. With our less-than-traditional situation, which potentially could've been an impossible one, he made it happen as promised. On the other hand, he never gave us false hope or halved information. We always felt that we were fully informed and well cared for.

Thank you!"

Michelle and Giuliana D.

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.

In making one of the biggest decisions of our lives, finding David was definitely a blessing! It was crystal clear to us that he was working on our side to get us the best deal. We’re 100% sure that although he already have a blog post to answer all the questions you might ask, he will take the time to explain and give you advice on all you want to know!

Moises and Gabriela S.

David Larock provided exceptional service and much-needed counsel. An industry expert, his knowledge and calm guidance helped us at every step of the way. It was so much more than just getting the best rate available. I couldn't recommend David and his team highly enough.

Jonathan B and Wendy M.

I've used a number of mortgage brokers in the past, but I never felt they had our family's best interest at heart. I was impressed with the professional service and candid advice we received from David Larock. He was able to get us an excellent rate, and even better, with an institution that didn't charge a lot of administration fees (have to watch out for those!) Our mortgage transfer went very smoothly. When I tell friends and family about my experience, they all want to know more about David and his company. Keep up the good work!

Tania P. and Gregori A.

David had provided me with some mortgage options before the big banks had even returned my calls. As I was in the process of separating from my spouse, I distracted and stressed with other matters, but I always felt as though Dave had my application well under control. It was a relief to have one less thing to babysit!

Sarah C.

As a first time home buyer the process can be quite daunting, and we definitely had a lot of question. But having David Larock as our mortgage broker made the process a little easier. He is very approachable and answered all of our mortgage related questions promptly. He would call us often to check in and provide us with all the information we needed. Of all the people we worked with in the house buying process (real estate agents, lawyers etc.) he was the most helpful, and knowledgeable. I highly recommend David Larock. 

Kristin R. and Hope S. 

I would not hesitate to recommend Dave to anyone looking for the best mortgage rate and terms available. He was extremely courteous, well-informed and always available to answer all my questions. His blog is also a valuable resource, as it covers a broad range of topics in detail. I look forward to working with Dave in the future. Thank you Dave!

Claudia C.

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.

David was a super friendly, efficient person that guided me through the purchase of my first home. He was knowledgeable, got me a good deal and made the process feel like a breeze. It was very painless even though I was signing my life away for a couple hundred thousand dollars of debt. Thanks David!

Lucy F.

David Larock made the entire process of getting and understanding the terms of my mortgage very easy. It really felt like he was in my corner the entire time and was very responsive when it came to answering questions. As a first time home-buyer he really took a lot of the anxiety out of the process.

Milos Z.

David was always very respectful and I never felt rushed. He checked-in and made sure we were clear and understood the product. I appreciated his patience. He did not overwhelm with lots of jargon - he kept it real.

Catherine H.

 

We came to work with Dave through a referral from a close friend that has worked with Dave on several mortgages for his home and rental property. Dave's knowledge about mortgages far exceeded our expectations. We were continually impressed with his level of professionalism, creativity in finding the right fit for us and his integrity. Dave and his team did everything they could to ensure our needs were met and that we had all of our questions answered. It was a welcome and refreshing change from our big-bank experiences in the past. We would highly recommend Dave and his team to any friend or family member.

Jacquelyn C. and Anthony S.

Dave was amazing! We had a fairly complex mortgage and he was proactive in thinking through questions that my husband and I would have even before we had them. He called me every couple of days to keep us in the loop with what was happening behind the scenes. He was fantastic to work with!

Janet and Tim S.

 

We were introduced to David and Integrated Mortgage Planners by our real estate agent, she highly recommended them to us for their excellent reviews and vast knowledge. Our experience working with David and Melanie was great, their communication was excellent and they made it very easy for us to understand the different options and terms for mortgages. They were able to find us the best rate compared to other banking institutions. We both felt very comfortable and were not pressured into making any quick decisions. I have already recommended them to some friends and would not hesitate to put in a good word. 

Jamin and Tasnia I. 

I am a first time home buyer and had no idea where to start. A friend of mine recommended Dave and just told me to call. I came in very up front about how little I knew about mortgages. Dave and Melanie were so helpful and approachable in everything from the difference between going with a broker compared to a bank, what I could expect, the steps needed and helping understand what I needed to provide for the lender. I was told it would feel like a second job trying to get my mortgage organized but they made it as quick and organized as possible so I didn’t feel rushed at close date. It was borderline painless. I would recommend them to anyone who asks, first time home buyer or otherwise.

Gillian W.

 

Dave made the entire process amazingly accessible! We were first time buyers with a tight deadline and almost no knowledge on what the process entailed. Dave's friendly informative and quick approach was invaluable. Can't recommend him highly enough.

Alex I. and Cassandra G.

David is wonderful. He was always very clear in explaining the pros and cons of the various available mortgage options. He was always prompt in responding to questions. He was professional and pleasant. I highly recommend David as a mortgage broker.

Dale M.

Dave - I am very happy that I met you in person after reading one of your articles online. The discussion we had in person and the reading of your blog helped me tremendously in terms of equipping me with the key information on making that mortgage decision. My advice to somebody hunting for a mortgage would be to deal with somebody like Dave who is very knowledgeable, upfront, efficient and who can offer you meaningful options for you to choose from rather than your neighborhood bank's representative whose only option/agenda is to offer/push the one product they have. Thanks.

Vijay B.

We were first time home buyers and as such were a bit lost at times. Dave was a calm and helpful presence throughout the process. Mortgages are a complicated transaction but Dave and Integrated Mortgage planners made it a positive and relatively simple experience.

Kirby B. and Emma W.

Dave did a great job walking us through the process. He ensured that we understood all of our options. He was very responsive and answered all of our questions. He took much of the stress out of a stressful situation!

Debra and Jeff B.

Dave is knowledgeable, passionate and thorough. The scope of service provided by IMP is truly remarkable. From the initial planning, viewing, offering and all the way until closing, Dave was there to help guide us to make the right financial decision. Beyond his guidance he was also able to secure a fantastic mortgage and rate - much better than we could have anticipated. We love using IMP as we learn so much from Dave! We have, and will continue to recommended him to many of our family and friends. Thank you!

Meagan B. and Matthew C.

Dave Larock helped us obtain our mortgage for our first home. Dave was easy to communicate with and always responded in a timely manner. He is knowledgeable and provided us with all the information we needed to select the best mortgage product for us. Also, Dave has access to a large selection of mortgage providers, and was able to get us an excellent rate! We would definitely work with Dave again for future mortgages and highly recommend his services.

Travis P. and Jennifer N.

David was just excellent to deal with. Extremely knowledgable - a world of info, efficient, and always one step ahead. Not pushy, he was honest. Simply awesome to work with.

Dr. Demetrios S.