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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!

Read What Dave's Past Clients Said

Thank you for making this process run smoothly. Much appreciated!

Cheryl G.

I have no doubt that Dave helped me get the best mortgage out there. I had less than a week to get everything together, and Dave was helpful, responsive and worked with both me and the lender to ensure all the bases were covered. I would definitely recommend Dave to friends and family and will be in touch again when my mortgage comes up for renewal. Thanks again!

Nicole K.

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.

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. 

Dave was an absolute pleasure to work with. He patiently explained every part of the mortgage application process to us (and as first-time home-buyers, we needed a lot of enlightening), he kept us constantly up to date with the status of our file, and he got us a fantastic rate. Very highly recommend.

Kevin and Warrena W.

David Larock was extremely knowledgeable, patient and approachable. During what can be a stressful time, he was easily accessible to answer questions (even on weekends and evenings)to put our minds at ease and to help us understand our options.

Shawn and Anisa 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.

David Larock was a pleasure to deal with. He provided us with good advice and explained every detail to us very clearly. We honestly felt he had our best interests in mind. 

Marco and Tanya M.

It was a pleasure to deal with your organization.


Chris B.

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.

 

You will not find a better rate. Anywhere. Our lawyer thought it was a typo.

Daniel & Brittany F. 

The resources and advice Dave gave to us on the website and throughout our mortgage application process were instrumental in building our understanding of the options, considerations, and ultimately helped us make a confident and informed decision about the type of mortgage we purchased.

Galen M. and Bernice T. 

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.

Dave was very professional and instilled confidence in us at every step of the process. He answered our questions promptly and informatively. Because of my experience with Dave, I will always use a broker in the future - why not? Dave's services cost us nothing and provided peace of mind in navigating what is a complex field of finance. Dave also acted with integrity and was quick to demonstrate where to save money and where to spend it wisely. Thank you, Dave, for a wonderful, professional service.

Bruce and Alison F. 

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.

"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.

Very attentive, personal service and available on short notice.

Tim F.

We could not be more confident recommending Integrated Mortgage Planners to our friends and family. With great patience and customer service, we felt informed and confident in the mortgage application process. Integrated Mortgage Planners added great value and council, and acted in our best interests.

Neil and Lydia P.

Dave made getting our first mortgage easy and stress free. He was friendly, courteous, knowledgeable and ready and able to answer any questions that we had. I wouldn't think of using anyone else in the future to deal with my mortgage and I wouldn't hesitate to recommend Dave to anyone seeking a mortgage.

Nick and Ben 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.

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. 

David made the intimidating process of applying for a mortgage easy and approachable. I am so grateful for his honesty, patience, and perseverance in finding me an optimal mortgage.

Syena M.

Knowledgeable, efficient and easy to communicate with. The process of buying my first home was made simple, and any problem along the way was handled in a professional manner.

Danny R.

I want to thank Dave Larock and his team for helping me out through this process. My situation was unique and the process was difficult, but only because it would have been impossible in any other situation. Dave and his team helped me work through the problems in getting the right mortgage for our situation and were always available by phone or email. Very important aspect in this business as the last thing you need when purchasing a home is someone not answering your questions. Well done Everyone. Thanks so much.

Paul W. and Jennifer C. 

I initially used Dave for a refinance in Toronto, but moved to BC and Dave helped me buy a home there. He is incredibly knowledgeable about the mortgage market, is always willing to give you honest advice, and helped me get a great rate.

Allan A.

I have high regards for David. We had a complicated mortgage, and a complicated process to get it done. David was quick to respond to problems, gave us a lot of confidence in the process, and was easy to communicate. We hope to work together again in the future.

Peter and David D.

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.

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.

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.

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.