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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:

Will the Bank of Canada Raise Again This Week?

Monday Morning Interest Rate Update for January 23, 2023

Most forecasters expect the Bank of Canada to hike its policy rate by another 0.25% when it meets this Wednesday. Here is my take.

Read Post: Will the Bank of Canada Raise Again This Week?

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.

Knowledgeable, responsive, and friendly. What more could we ask for from our mortgage broker? Dave and his team make the mortgage process easy and they anticipate our needs as the market changes. Dave proactively checked in to see how we were doing after a year and helped us land a more favourable term. THAT is the definition of caring for your customers! I would highly recommend Dave and his team.

Rob M. and Nicollette I. 

I really appreciate all the information provided by David which helped me make a confident decision for my new mortgage. Not only did I get a great price, I understand the process much better now. I liked that I was able to communicate with David either by phone or email. I was often very pleasantly surprised to get very fast responses to my questions even after regular business hours. During the whole process I always felt David was giving me the best advise for me and I never felt pressured. Thanks so much for taking such good care of me!

Anna C.

I had my pre approved mortgage with my bank and I just wanted to double check the terms with Dave Larock, and that happened to be the best choice. We discuss all the terms, he explained everything clearly and gave friendly advise wherever was needed. He kept us updated on a daily basis and we have finished all the process with the great feeling of saving several thousand dollars. If we ever go for another mortgage we know that Dave will be our man.

Jesus G. and Esther P. 

I would absolutely recommend David to family and friends. His advice was top-notch, especially when it came to a rental property. He's the mortgage professional I wanted in my corner when making decisions about one of the biggest purchases of my life.

Geoff C.

David was our advocate every step of the way negotiating with a difficult and sometimes unreasonable lender. In the end, he helped us get an amazing rate and a seamless closing of our new house. Thank you so much.

Sanders P. and Karen C.

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.

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.

 

From A-Z, Dave was prompt, professional and knowledgable. He went above and beyond to ensure I was kept up to date with every aspect of the process from my application to my approval. He answered all of my questions along the way and his dedication to ensuring a high level of customer service made the entire process stress free and easy. I would definitely recommend Dave to everyone.

Andrea C.

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.

We received truly exceptional service from Dave and Integrated Mortgage Planners. Our situation was slightly unusual and he held our hands through the entire process and was always available to discuss any matter, however small, and whatever the time of day. Dave was also happy to answer hundreds of questions about the process itself - sometimes twice!

Without any prompting from us he ensured that our pre-approved rate was the best it could be and if he saw something better, he often re-negotiated for us long before the existing rate expired. In fact, we got a call the day our deal closed to say that he'd re-negotiated that morning and saved us yet another .1%.
The service was excellent, his knowledge invaluable and the whole process a total pleasure.

Sarah N. and Stuart L.

Dealing with Dave is always seamless on his end, I appreciate his level of effort and attention to detail.

Albert B. and Shelley R.

Dave is a superb mortgage broker. He provided expert guidance on my purchase and was always remarkably responsive and provided amazing customer support. I would heartily recommend him to anyone looking for a mortgage.

Patricia R.

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

Ali K.

Thank you again for all your support we both have a stressful jobs so this was a relief that we could rely on you throughout this process!

Rachel W. and Justin D.

David was excellent to work with and made the entire process very smooth. We've purchased various properties and I would definitely come back to David. We had to purchase a rental property and it wasn't straight forward process. David assisted with all our questions and nothing was left uncovered.

Courtney H. and Joseph P.

Dave was great. Always available and very fast. Explained everything. Blog articles very helpful too. Great for a first time mortgagee. Would use him again for sure. Oh yeah, and best rate out there.

Chris and Anne-Marie S.

The service level I received was above excellent. David was exceptionally friendly and knowledgeable. We ended up getting 2 mortgages (my daughters) and a line of credit. In an era of average at best customer service David should be giving lessons as the entire experience from start to finish was outstanding. We will be recomending David to friends and family.

Marc C.

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.

David was exceptionally knowledgeable about my options for a mortgage. He was quick to communicate and update me on the status of my renewal. All the conditions were clearly explained and when the lender put on an unexpected charge, David was to his word and paid for it himself.

Stephen and Tammy G.

David Larock was recommended to me by my agent at Realosophy. David was very prompt with his communications, and took the time to answer any questions I had about any and all parts of the process. I felt confident that the process of securing a mortgage was being well handled, and have no complaints. I did not have any doubts that David was acting in my best interests, and would happily recommend his service to family and friends. Thank you David.

Adam C. and Kadia P.

David Larock at Integrated Mortgage Planners made our first home buying process very stress-free. He walked us through the process and got us an unbelievable rate with great terms. He was even able to accommodate our 2 week closing. We will happily recommend him to friends and family.

Jon H. & Amanda G.

 

Dave was knowledgable, competent and extremely efficient. He was able to help us secure a mortgage in a very short time; around 1 week. He took the time to answer any questions we had and responded promptly to any questions and concerns. Thanks Dave for your hard work!

S. Chopra

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.

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

George H. 

After reading some of David’s blogs and learning about some of the fine print to be aware of when choosing a mortgage lender, we decided to reach out and see if David could assist us with finding a better rate on our mortgage. From our first contact we found David great to work with. He is very professional and personable, asks all the right questions to make sure he finds the right product to fit your needs and at a rate we didn’t even know was available. David kept up regular contact through the entire process including a call on the day of transfer/closing to make sure everything went well. We would not hesitate to recommend David to our friends and family or anyone else!

Mike and Dawn H.

By the end of our first meeting, I knew I was in the presence of a knowledgeable professional. David listened and was engaged in understanding my financial needs. He clearly communicated all the required details and "next steps" and I felt very supported throughout the entire process. I would recommend him to any of my friends or colleagues.

Allison P.

Dave Larock has been incredibly helpful. We've worked with him twice now, and we will absolutely reach out to Dave in the future if we needed a mortgage, and would absolutely recommend him to anyone we know.

Tyler and Simone M.

Dave found us excellent rates and when an unanticipated / uncommon issue arouse with our closing, Dave was able to bring us numerous options to ensure a smooth close (and ultimately a great rate with our eventual lender).

Kevin M. and Natalie G.

David was a pleasure to deal with, I look forward to using David again the next time my mortgage comes due. Thank you very much!

Wade and Lisa L.