Fred Makvandia

Before founding RATECORE, Fred spent over a decade inside two of Canada's largest banks, CIBC and National Bank of Canada, as a Mortgage Development Manager. He was the person lenders trusted with their most complex files: self-employed borrowers, multi-property portfolios, and deals other brokers couldn't close. That experience gave Fred something rare. He understands exactly how underwriters think, what triggers a decline, and where the real negotiation leverage sits. He left banking because he believed borrowers deserved someone fighting on their side of the table. As Principal Broker, Fred personally oversees RATECORE's lender relationships and handles the files that require creative structuring. If your situation is anything but straightforward, Fred is the broker you want in your corner.