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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

David is not only extremely knowledgeable about the Canadian mortgage and financial industry, he is also very passionate about it. I found David to be an incredible resource, he was open and honest and clearly explained my mortgage options. I cannot recommend David's services highly enough. I have saved money, many headaches, and gained a deeper understanding of what mortgage options are available to me - much more than I ever received from previous mortgages with one of the big five banks.

Michael and Kate V.

Dave Larock was amazing. He walked me through every step of the way, answering all of my questions... big and very small. I felt very confident that I had made all of the right decisions at the end of it and even learned a few things along the way. I wish I had know about IMP the first time I had to get a mortgage... I would have saved myself a fortune! I will definitely come back to Dave for my next mortgage. I have already passed his name to friends and will continue to do so.

Andrea C. and Graham H.

It took us 16 months to find our first home, buy it and close the deal, and David was there every step of the way. He always had time to answer our questions - and there were many, since we bought our home privately and chose a PPI (purchase plus improvements) mortgage. I do not think we would have felt confident proceeding with the private sale if we didn't have David behind us.

We knew he would catch anything we screwed up on, and of course he did. (He also caught a few mistakes made by our lawyer!) Both my partner and I felt that David was very honest, very unlike the mortgage broker stereotype. He explained everything clearly, and then re-explained it again and again when we forgot or when months went buy between houses we bid on. If ever we were uncertain about something an agent or lawyer told us, one of us would inevitably say, "Let's run this by David." Right up to closing day, he worked to make sure he got us the very best rate.

We are happy with our rate and lender, and have chosen to have David continue to act as our representative for the term of our mortgage. I would recommend David unhesitantly to family and friends. I can honestly say the experience was 100% positive, and I am not an easy person to please.

Amy D and James R.

David: You proved yourself invaluable when an obstacle was thrown in to the process. Your knowledge, matter of fact approach and ability to adapt, I believe, was truly above and beyond what would be reasonable to consider good service. It is during the difficult moments that the exceptional show themselves and you have earned our trust unequivocally. Yours truly, Owen & Jessica.

Owen R. and Jessica D.

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.

Service was exceptional - very knowledgeable, always responsive and attentive, and provided quality guidance and alternatives to work through a number of complications during a very unique and long process. We have already recommended Dave to friends and will absolutely be back for any future mortgage needs.

Tim B and Stephanie O.

David was wonderful to work with. This was our first mortgage so we had a lot of questions, David answered all of our questions quickly and thoroughly. I would definitely recommend working with him.

Katlynn P.

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

Pina GZ

My experience with Integrated Mortgage Planners and David Larock was exceptional. I was given sound advice and led through the process with ease. Staff were very friendly and courteous and David answered my many questions. I also found articles on his website very informative. I highly recommend his services and continue to tell family and friends about my awesome experience.

Celiza R.

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.

As a first-time home buyer, the whole ordeal can (and did) feel overwhelming and intimidating. Speaking with Dave Larock just opened my eyes and helped me understand everything I was getting into. I had previously spoken to another mortgage broker from another company who was also helpful but Dave's thorough walk-throughs with me, breaking down every step, procedure, definition, and questions for me allowed me to breath easier through this, let's face it, life-changing moment. He also helped me realize there are other options and better deals out there which he helped me find. Thank you so much for turning this naive first-time buyer into a confident home owner!

Michelle V.

Dave is amazing to work with! He's extremely knowledgeable, very helpful, patient and always there whenever I had a question or concern no matter how big or small. Even if there were no updates, he still kept in touch. He's the kind of person you would want to walk you through the mortgage process. I would DEFINITELY recommend him to my friends an family. Thank you so much Dave! I appreciate everything you've done for me!

Andrea F.

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.

Working with David was a pleasure. He was extremely well informed and worked diligently to find the best mortgage possible for me. He was also very thorough and patient in exploring all options on my behalf. As a real estate agent I have dealt with many mortgage professionals and I would not hesitate to use David again and I recommend him to my clients with confidence.

Megan T.

Thank you for all of your help!

Alice W.

David was exceptional. It is such a pleasure working with a true professional. He walked through the options, discussed my objectives and then sought out the ideal bank for my specific needs.

This service cost me nothing and it will save our family thousands of dollars over the course of the mortgage. I was not aware of the alternatives he proposed so he was able to bring to the table several very creative options.

I even discussed these findings with my primary bank, one of the big 5, and they could not come close to the rates (they conceded their employee rates for the mortgage was even higher than what David was able to source.)

Bravo! Great job David.

Eric and Barbara G.

We had an unusual income situation that was well handled. Excellent service!

Clare P. and Stephen B.

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.

 

David was a pleasure to deal with in what was an otherwise difficult process. He was always responsive and willing to take the time to thoroughly answer questions. And when issues arose, he worked hard on our behalf.

Tim S. and Katie D.

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.

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.

 

Dave was able to provide excellent client service and went over and beyond expectations in order to get us the very best rate. We would definitely recommend Dave to friends and family. Thanks Dave.

Kevin and Judy T.

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.

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.

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.

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.

I found IMP's service very helpful in providing a good cross section of the products available to me at my time of request as well as the tailoring of these product options for my needs was accomplished quickly and precisely.

The follow up was prompt and the deal closed when and how it was expected to.

All in all an excellent service experience from start to finish.

Thanks Dave.

Chris V.

This was my first time buying a house on my own. David was a fantastic resource, he patiently walked me through every step of the transaction making the learning curve easy to handle. He was positive and professional throughout.

Margaret L.

We are so pleased with our experience with David Larock. He made our stressful loan application into a manageable situation and with great results. We highly recommend Integrated Mortgage Planners and specifically David Larock to everyone. He can make an impossible situation possible.

Erika and Gus P.

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.