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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:

Fixed- Versus Variable-Rate Mortgages: Is the Reward Worth the Risk?

Monday Morning Interest Rate Update for March 18, 2019

The Bank of Canada has become much more dovish of late, and given that, now seems like a good time to revisit the age-old fixed versus variable rate question.

Read Post: Fixed- Versus Variable-Rate Mortgages: Is the Reward Worth the Risk?

Read What Dave's Past Clients Said

Dave is a very professional & responsive mortgage broker to work with and is very respectful of his clients need to get everything done properly in a timely manner. 

Stephen D. and Kelly H. 

Dave answered all my questions and concerns promptly. He is very knowledgeable in his field.

Sam R.

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.

This was my third mortgage transaction with David Larock and the team at Integrated Mortgage Planners Inc. over the past 6 years. David has always ensured that my financial needs were top priority and has worked diligently to provide guidance in the mortgage negotiation process. I highly recommend David and his team to anyone looking for the best mortgage options at highly reputable lending institutions.

Susan M.

As first time home buyers, we were bombarded unsolicited advice, information, warnings and tips about entering the Toronto housing market from friends, family, colleagues and people in the real estate field. As a result, we were nervous and slightly unsure as to what to expect throughout the whole house purchasing process. Dave at Integrated Mortgage Planners helped to put our mind at ease. In our first meeting he was able to explain and simplify all the information that we were overloaded with. He was able to find a mortgage that worked for our needs at a rate that cannot be beat!

Michael O. and Victoria S.

David Larock provided absolutely fantastic service. His prompt reply and kind service made it easy for me to refer him to one of my employees for guidance. I added David to my linkedIn profile because I consider him as a valuable contact for all my future mortgage endeavours.

Ludwig N.

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.

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.

David and his team were extremely knowledgeable and helped guide us through the entire process of getting a mortgage. Not only was the customer service top notch, they also provided us with a rate that the big banks couldn’t come close to matching.

Matt and Tasha J.

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.

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.

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.

Dave is really knowledgeable and on top of things. He took the time to explain to us our options and what made the most sense for us.

Jenny L. and Sam C.

David made it very clear from his actions that he was working on my behalf. He is persistent, patient and innovative. Good guy to have in your corner.

Keith T.

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.

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.

Dave Larock provided us with expert advice and outstanding service. We have already recommended him to friends, and will continue to do so.

Klaas and Mary Beth K.

After going through 3 pre-approvals and feeling as if every advisor out there is trying to up sell us, we met Dave and felt that we were saved. In our first meeting, Dave spent 1.5 hrs with us just answering all our questions and, more importantly, asking us "why." We truly felt that he understood what we want and is working in our best interest. Dave's attention to detail throughout the mortgage process really made it a piece of cake. Overall, we are very satisfied working with Dave & already recommended him to 5 other friends. Don't miss out on an amazing advisor! 

Shreya A. and Rahul A.

Dave provided exceptional service. He was knowledgeable, honest and straightforward to deal with. He was also quick to respond to any questions or concerns that I had and followed up regularly throughout the process. I would definitely recommend him.

Kris L.

I can always trust Dave to provide great advice and superior service.

Derek C.

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.

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've used a number of mortgage brokers in the past, but I never felt they had our family's best interest at heart. I was impressed with the professional service and candid advice we received from David Larock. He was able to get us an excellent rate, and even better, with an institution that didn't charge a lot of administration fees (have to watch out for those!) Our mortgage transfer went very smoothly. When I tell friends and family about my experience, they all want to know more about David and his company. Keep up the good work!

Tania P. and Gregori A.

David and Melanie were fantastic to deal with, straightforward, honest and SO friendly! It didn’t bother them that I sent multiple emails full of questions (I did this quite frequently). As first time home buyers this process was brand new and at times stressful, David and Melanie were always there to clarify things and made us feel confident in the purchase of our new home. Highly recommended!!

Lindsay S. and Lucas B.

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.

“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.

We came to work with Dave through a referral from a close friend that has worked with Dave on several mortgages for his home and rental property. Dave's knowledge about mortgages far exceeded our expectations. We were continually impressed with his level of professionalism, creativity in finding the right fit for us and his integrity. Dave and his team did everything they could to ensure our needs were met and that we had all of our questions answered. It was a welcome and refreshing change from our big-bank experiences in the past. We would highly recommend Dave and his team to any friend or family member.

Jacquelyn C. and Anthony S.

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 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.

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

Cheryl G.