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:

Thoughts on Last Week’s US Federal Reserve Meeting

Monday Morning Interest Rate Update for August 3, 2021

In this week's post I share five highlights from the US Federal Reserve's most recent meeting that shed light on its rate-hike timetable.

Read Post: Thoughts on Last Week’s US Federal Reserve Meeting

Read What Dave's Past Clients Said

David is amazing! I was referred to him by a close friend who told me David was the best in the business, David not only met my expectations he exceeded them! I was extremely impressed with David’s flexibility and the fact he was always reachable. My mortgage financing deadline was short so I found it very helpful that David remained on top of my file and was always in contact, if he missed my call he was quick to get back to me which was greatly appreciated and made me feel like a valued client. David was professional and knowledgeable throughout the whole process and even followed up with a call to see how my move went and if I’m happy with everything...nice touch! High recommend to family, friends, and all!

Oliwer W.

Thank you for all of your help!

Alice W.

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.

This is the second time that we have dealt with Dave. Everything is first class and met all of our expectations. We had been overseas the past few years and Dave helped us out with great advice on some unexpected issues. The process was effortless for us and both Dave and his assistant, Melanie, stayed in constant contact with us throughout the process. When our house closed, Dave was actually the first person to let us know. We absolutely would recommend Dave and his team to anyone that needs a mortgage.

Bill and Julie C.

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.

David's extensive knowledge and years of experience, along with his personal relationships with lenders, underwriters and other professionals in the mortgage industry ensured that the lending process was easy and smooth and that any snags along the way were handled in the most efficient and convenient way.

Eugene R. and Patricia D.

Dave is simply the best mortgage agent in Toronto! His advice, mortgage rates and knowledge of the industry is unparalleled. He is awesome to work with and goes the extra mile in every regard. We are so lucky we had Dave help us with our house refinancing. His hard work secured us the perfect mortgage for our new home. Thank you so much for all your help and advice Dave. 

Paul and Maria M.

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

Cheryl G.

I used David Larock and Integrated Mortgage Planners for my first home purchase and couldn't have been happier with the service we received, as well as the interest rate! Dave made sure to keep us apprised of the changes in the status of our application as well as a last-minute rate drop, which was sincerely appreciated. I can't recommend them highly enough: they exceeded every one of our expectations.

Andrew S. and Alexis M.

This was my third mortgage, and first time working with David, and he was by far the most knowledgeable and trustworthy person that I've dealt with. I highly recommend to anyone. Just get on the phone with him for 10 minutes, and you'll know exactly what I'm talking about.

David P and Natalia V.

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.

Fantastic prompt and knowledgeable service - have dealt with other mortgage brokers but the service provided by David was way beyond our expectations.

Murtuza L and Catherine D.

Dave Larock is a wealth of information when it comes to Mortgages. He was friendly and provided a very honest, reliable service that we were very impressed with. We have already recommended his name to our friends and will have no reservations at all regarding any of the services that he offers.

Vishnu P. and Sanjana S.

I am very happy with the service Dave provided. He was very knowledgeable and answered all my questions, and also gave very informative advice on selecting the right type of mortgage. He was able to guide me through the process of re-financing as well as acquiring a HELOC. I would definitely recommend Integrated Mortgage Planners Inc. to anyone looking for a mortgage broker to assist them in acquiring a mortgage.

Adam C. and Kadia P.

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.

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.

David and Melanie were so helpful in supporting us to navigate the wild world of obtaining our first mortgage. Thank you for being so clear about what we needed, guiding us through the steps, and for making the process of getting the mortgage relatively easy and painless.

Daniel B. and Tara J.

Dave Larock provided exceptional service as a mortgage broker. I found his blog when I was researching different brokers. His educational background and years of experience really stood out to me. I appreciated his ability to provide comprehensive answers to my questions, including his analysis of the current economy. It was very helpful that his website allowed him to show me the numbers that backed up his answers. He was very reliable and always communicated clearly and promptly. 

Sarah S. 

David was always there when we had an issue or a question and, somehow, he managed to make us feel like we were his only clients. We always appreciated how fast he was in responding to any of our concerns and I can't imagine a more efficient yet friendly relationship. We probably wouldn't have gotten our house without his precious assistance.

Sorin P. and Jennifer M.

Dave is very knowledgeable and kept us updated throughout the process. It was a pleasure working with him!


Avin and Carly B.

We were very happy with Dave's service. He was very good about educating us on suitable financing options including one that we didn't know about (and ultimately went with). When we had a hiccup with our appraisal, he was very good about making everything right so that we were happy. We would definitely recommend Dave as an excellent mortgage agent.

Jeremy and Amanda K.

David Larock made the entire process so easy for us. We felt he was looking out for our best interest every step of the way and worked to find us the best arrangement possible. We would definitely recommend his services.

Patricia F. and Nick H.

Dave and his team were amazing to work with. Happy to answer all our questions with sensible, experienced information. Able to explain all the complex processes and information required. Proactive in getting us a well traded-off rate. Melanie was also great tying it all up with the many submissions. Thanks for all the help Dave, much appreciated!

Lisa 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.

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 Larock was outstanding in his service. He met us on our schedule, and took the time to go through every detail of our mortgage with us. Being first time home owners, we had a lot of questions, and Dave was patient and understanding throughout the whole process. We shopped around for a mortgage broker, and found that Dave was able to find us a mortgage rate that was far lower than anyone else we spoke with. We had a short closing time (within a month). Dave was highly efficient in ensuring we would be able to get all the components together in a timely fashion. To top it off, he was an extremely pleasant and interesting person - we enjoyed our chats with him. We would recommend him in a heartbeat to any friend. Thanks for everything, Dave!

David B and Emily HB

David made this very big decision in my life smooth and easy. Explaining everything along the way, to ensure I knew exactly what I was getting myself into. Thanks again David, I am all moved in to my first condo and I am very happy!!!!

Meredith A.

Working with Dave was a great experience. He made the process simple and straight-forward, got us a great rate, and helped us feel a lot more confident about the whole process. I would definitely work with Dave again in the future!

Natasha D. and Leslie B.

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

Rob T.

David Larock is an authority on mortgages. He demonstrated thorough knowledge of a complex industry and never over-promised. Would recommend and use again.

George M.