free templates joomla

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:

Why Tapering Will Delay Rate-Hike Timetables

Monday Morning Interest Rate Update for October 18, 2021

In today’s post I explain why I believe QE tapering will likely delay rate hikes, rather than portend them.

Read Post: Why Tapering Will Delay Rate-Hike Timetables

Read What Dave's Past Clients Said

It was a pleasure having David Larock represent me. He explained the mortgage details in a simplified and understandable way. He was quick to address situations that arose. When I had a concern he was quick to reply and insured I understood it completely before moving on. I would highly recommend David to other individuals and have done so already. 

Mike P.

We used Dave and his company for our financing and renewal of the mortgage. Dave was super friendly and very patient and assist us through the whole process effectively without even attending his office. All was done through email and his staff was also knowledgeable and friendly to deal with, better than banks in my opinion. Will recommend to others and would love to work with him again in future.

Tam N. and Gwenael P. 

I find David Larock's blog posts extremely informative, so his professional expertise helped me before I even contacted him. On our first phone call (and thereafter) he took plenty of time to explain everything I had questions about. And the mortgage rate he was able to offer was lower than even the credit unions'. Thank you, David, for helping me through a stressful process! I feel confident that I got the best deal available.

Marge C.

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.

We've used David's mortgage services for two properties over the last 5 years. We are very happy with David's attentiveness, prompt and detailed responses to our inquiries, along with the overall quality of service. Thank you!

Ken W. and Bike B.

My real estate agent recommended Dave for my mortgage needs. I didn't realize what a professional I was getting. Dave was very helpful and always had answers to my questions. He was proactive, even responding to questions while he was on a brief summer vacation. I highly recommend Dave.

Jane A.

You made a painful process much more comfortable. Thank you.

Fraser 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.

I contacted David regarding applying for financing for the purchase of a new property. My existing property had also been sold. My knowledge of my options were limited but David immediately advised me of the best route to take, completed the application, and successfully secured a Bridge Loan and Line of Credit, with good interest rates for the time necessary. I appreciated his expertise, prompt follow up and excellent worry free advice during an otherwise stressful time. I would highly recommend his services.

Jacqui W.

We have used David's services twice and both times he has exceeded our expectations. He's an absolute pro who is clearly passionate about what he does. David most recently helped us realize our dream of owning a cottage. David's high-touch service level and expertise can't be beat.

Autumn and Matt P.

I needed a low interest rate mortgage and terms to suit my retirement income. Dave worked diligently sourcing all possible avenues. He kept me up-to-date, calling promptly and taking extra steps to research the unique conditions with my condominium building. He has an extensive knowledge of mortgages and the real estate market. Because of his expertise, I have a mortgage suited to my needs. Dave was such a pleasure to work with and his professionalism far exceeded that of anyone I have worked with in the past. I would not hesitate to recommend Dave to my family and friends.

Mary Ann C.

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.

I can highly recommend David Larock and his team, having just renegotiated my mortgage through them. I'm extremely satisfied that I got the lowest rate possible, as well as good honest advice on how to best structure the payments. I had been reading David's blog for years before contacting him, and am very glad I did. It's a rare pleasure these days to deal with true professionals that really know their business.

Anthony P.

I wholeheartedly recommend Dave to our friends and family who are in need of a mortgage. His attention to our needs, ability to be reached quickly / easily, and professionalism was beyond impressive. Getting a mortgage is a stressful, complex, and layered experience, but Dave explains everything carefully and thoughtfully so we knew exactly what we were getting. What's more, I love bragging to my friends about the awesome rate that he got us. Buying our new home has lots of surprises and challenges: thankfully our mortgage wasn't one of them!

Celeste and Leslie K.

“David, you were incredibly knowledgeable, thorough, and responded to all of my calls and questions quickly and clearly (even on the weekend!)

I really feel like you went above and beyond, helping me get comfortable with the complexities of buying my first house.  You even took a leading role in coaching me through my legal issues (remember, my first lawyer wasn’t allowed to work with the bank!), to make sure there was no delay in obtaining financing. You made me consider becoming a Mortgage Broker myself!”

Stefan M.

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.

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.

We have worked with Dave on two mortgages now - one for our family home and one for a cottage. He brings a level of professionalism and financial knowledge to his work that far exceeds our expectations, and we feel that we have consistently received great value from him and through the mortgage products we’ve ultimately selected.

Robert B. and Amanda K.

David is very approachable and he took the time to answer all of my questions. The articles on his blog are also informative and they really helped me understand the pros and cons of different mortgage options. Not only did he find me an excellent mortgage rate, I became an educated consumer. I highly recommend David's service.

Mia K.

Working with Integrated Mortgage Planners on our mortgage application made the whole process feel like a breeze. Dave and Melanie are very knowledgeable and were happy to take however long was necessary to explain the different mortgage options and terms to us. They were also very quick to respond to all the questions we had. We'd be happy to recommend them to anyone looking to get a mortgage.

Bryan M. and Fe T.

Dave did a fantastic job guiding us through the mortgage application process for the purchase of our first home. He was very prompt in all communications and always had the answers to our questions. We will definitely call him back when our term is up for renewal!

Joshua and Alicia C. 

Dave Larock was very helpful. Even though we are not located in the Toronto area (Montreal), we received excellent service all by phone and email. I would recommend Dave to others who are looking to buy no matter where they are located in the country.

Michael E. and Madeline C.

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 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 & Melanie, You both were saints working to assist my wife & I get financing on our first home with our quick 3 week closing time frame. This was combined with the industry switching to remote April 2020... I really don't know how you two did it. We are both extremely grateful for your solid advice & working around the clock to get us our dream home!

Brendan and Amanda C. 

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

Rob T.

Working with Dave was an outstanding process. He is extremely knowledgeable and professional. On top of good customer service, he seemed to deliver an exceptionally competitive rate with the bank employee being surprised at how low our rate was. We were a small client but we did not feel that way. We would certainly be comfortable to and have recommended Dave to our friends and family. 

James W. and Myrianne B.

Dave was absolutely very informative, helpful, courteous and professional throughout the entire process of acquiring a mortgage. I highly recommend his services!

Pina GZ

David and his team have been highly responsive and professional throughout our working relationship. I would gladly recommend their services.

Ali K.

The whole experience from start to finish was wonderful. Dave and his team were very patient and informative. I would recommend their services to anyone looking for a mortgage. Thanks!

James C.