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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

Whatever your mortgage needs may be, there is no need to speak with anyone else. I highly recommend David Larock, you won't be sorry!

Gaby G.

Dave provided fantastic and thorough advice and helped with all the logistics. He answered all my questions and definitely exceeded my expectations. i would definitely recommend Dave for anyone who needs either mortgage advice or a mortgage or both, and also recommend his very pertinent and articulate weekly column.

Caroline C.

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. 

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. 

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.

 

We were very pleased to arrange our mortgage with Integrated Mortgage Planners. Dave knows his stuff, explained mortgage options in a simple and straightforward manner, and ultimately directed us to the product that was best-suited to our needs. He was very responsive and took the time to make sure we had all the information we needed. We would highly recommend Dave and Integrated Mortgage Planners to anyone looking for a knowledgeable broker who they can trust to get them the best mortgage out there.

Rick S. and Anne T. 

As a first time home buyer and new to the world of mortgages, Dave was so knowledgeable, approachable and easily reachable during my pre-approval process. I had a million questions, but no questions were ever stupid and he really held my hand throughout the whole learning process...I was certainly not one of his million dollar mortgage clients, but I sure felt like one considering the amount of time he spent on my application.

His mortgage update newsletters are highly informative and useful as well. In fact, his blog/newsletter is what made me feel good about going with him because his ability to forecast and/or give recommendations didn't seem to be based so much on sales tactics but on sound economic principles/knowledge and on significant real estate/mortgage industry knowledge.

I have already recommended David to my friends and I'm a client for life now!

Esther H.

As a first time home buyer I felt like I was in the right hands with Dave. The patience and confidence he provided was very much appreciated. He provided sound advice and we felt like he was looking out for our best interests. I would recommend him to friends.

Prashant G and Jyoti K

We highly recommend Dave Larock's services. As first-time buyers, we were not knowledgeable about the mortage industry; however, Dave provided clear and concise explanations that enabled us to make decisions with confidence. He was at all times professional, punctual and could be relied upon to deliver what he promised. We would certainly be willing to use his services in the future.

Becky G. and Penelope R.

David Larock was an incredible resource and someone I felt I could trust the moment I spoke to him. He made everything easy, got me a great mortgage rate and guided me expertly through the approval process. I would work with him and recommend him in a nanosecond any time the opportunity presented itself to me.

Karen G.

I wholeheartedly recommend Dave to our friends and family who are in need of a mortgage. His attention to our needs, ability to be reached quickly / easily, and professionalism was beyond impressive. Getting a mortgage is a stressful, complex, and layered experience, but Dave explains everything carefully and thoughtfully so we knew exactly what we were getting. What's more, I love bragging to my friends about the awesome rate that he got us. Buying our new home has lots of surprises and challenges: thankfully our mortgage wasn't one of them!

Celeste and Leslie K.

Working with Integrated Mortgage Planners on our mortgage application made the whole process feel like a breeze. Dave and Melanie are very knowledgeable and were happy to take however long was necessary to explain the different mortgage options and terms to us. They were also very quick to respond to all the questions we had. We'd be happy to recommend them to anyone looking to get a mortgage.

Bryan M. and Fe T.

I have and will continue to recommend you to others. David is very knowledgeable so meeting him gave us all the information we needed. David and Melanie were very responsive, timely, and available for any questions we had along the way. The whole process was smooth thanks to your help and guidance. David and Melanie were also very nice to work with on a personal and professional level. Thank you so much for your help.

Tara C. and Huoi U.

Thank you David for your efficiency and for the ease of doing business with you and your team. You made the entire process a pleasant one and have always done the same each time we work with you! Always a pleasure.

Nelson M .and Tina R.

Fast, efficient service and we ended up with a great rate! Thanks David and team.

David H.

David provided us with expert advice and sound options throughout the purchase and financing process for our new home. It's a time in life when you need exactly that. Thank you David!

Norm and Linda C.

This is our second time using David. David was instrumental in setting us up with the most competitive mortgage refinance and home equity line of credit. He asked all the right questions to ensure we were set up for success. We have and will continue to recommend David to everyone we know. It has been a stress free endeavour.

Cameron S. and Amy B.

David helped us navigate the complexities of setting up a new mortgage and was able to recommend options that helped maximize what we could reasonably borrow within our budget. He was very easy to work with and kept us informed throughout the whole application and closing process.

Monika and Adam H.

David was terrific in helping me with the process of buying my first home. He was very knowledgeable and patient in explaining the entire process to me. I would gladly recommend his services to anyone looking for a mortgage or just seeking advice.

Scott G. 

David helped make the process of re-negotiating our mortgage seamless and easy and we were very happy with the results. We would definitely recommend his services.

Nate F. and Joyce R. 

 

Our mortgage was up for renewal and we once again worked with David to lock in a new 5-year agreement. I trust David to give me the best advice to ensure our needs are met. Would highly recommend David to anyone who is looking to secure a mortgage at a great rate!

Alex L. and Juri H.

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.

Working with Dave was the best part of buying a house. He is knowledgeable and explained things clearly and as many times as we needed to hear them. He was available whenever we reached out, which was often at odd hours, and got us a great rate. We could not be happier with his services or recommend him more highly.

Heather C. and Brendan H.

Dave's guidance and support was invaluable during our first mortgage application. He operated with integrity and professionalism, taking time to educate us on the mortgage process and how to find a mortgage that fit our needs. We used his online calculators and blog posts often, and Dave was always available to answer any question we had. We look forward to working with him again in the future!

Phil D. and Jenna H.

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.

David and Melanie were excellent to work with. They made the process of applying for mortgage pre-approval and getting a mortgage in place after a purchase seamless. I would definitely recommend them to friends and family and will certainly return to them in future.

Jennifer and Julius G.

I had not dealt with a mortgage broker in 7 years and had forgotten everything! I was grateful that Mr. David Larock was both knowledgeable and personable in helping me navigate the procedures and intricacies of the forms and regulations. AND I was encouraged to check out other sources for rates and payback options...but I had already found the best rate and the best options. Thank you!

Gabriele H. and Jonathan B.

We worked with David on our first home purchase. As we had not previously had a mortgage we had many questions and David was very professional and diligent in answering all our questions and assisting us in getting the right mortgage for us. We look forward to working with David in the future.

Ryan and Violeta S.

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.

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.