M. Machel & Associates

What M. Machel & Associates does

M. Machel & Associates Ltd. is a privately-held, founder-owned real estate appraisal firm established in 1995 by Mark Machel and headquartered at 584 Frederick Street, Kitchener, Ontario. The firm delivers CUSPAP-compliant, AACI-credentialed property valuations across residential, commercial, and agricultural asset classes, with use-case specializations in mortgage financing, separation/family law, estate planning, power of sale and foreclosure, tax assessment appeals, and capital gains/tax planning. Its primary customer segments are mortgage brokers and lenders (including the major Canadian Schedule I banks plus credit unions and alternative lenders), legal professionals, individual property owners, and commercial property investors, with a Preferred Partner Program serving as a channel for mortgage broker relationships.

The firm operates with a small team of four credentialed professionals (Mark Machel, Brian Haase, Len Ringwald, and Terry Macklin) holding AACI, P.App, and CRA designations. Its underlying technology stack is minimal: there is no proprietary appraisal platform, no API, and no documented AI or ML capability; service intake is handled via a web-based ordering form on machel.com, with delivery performed as a manual professional service. Brian Haase's background in data science is the only signal of any quantitative-method enhancement to the appraisal process.

The revenue model is straightforward professional services revenue: per-engagement fees that are publicly disclosed in ranges of $500-$2,000 for residential appraisals and $2,000-$3,500 for commercial appraisals, with agricultural and specialized legal work priced by complexity on a quote basis. Geographic coverage spans Waterloo Region, the broader Southwestern Ontario counties (Wellington, Oxford, Perth, Brant, Peel, Hamilton, Elgin, Norfolk, Huron, Bruce, Middlesex, Grey, Dufferin, Niagara, Halton), and select areas of York Region and Toronto. Distribution is primarily through B2B referral networks, the broker Preferred Partner Program, and direct engagement with legal and individual clients.

Name

M. Machel & Associates

Legal name

M. Machel & Associates Ltd.

Website

https://machel.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

1–10 employees

Short description

M. Machel & Associates is a privately-held Ontario real estate appraisal firm founded in 1995, delivering CUSPAP-compliant residential, commercial, and agricultural valuations for mortgage brokers, lenders, legal professionals, and property owners across Southwestern Ontario, York Region, and Toronto.

Ownership category

akta.pro rank

Product category

Real Estate Appraisal Services

NAICS

Offices of Real Estate Appraisers (531320)

akta.pro primary industry

Real Estate Restructuring, Turnaround & Workout Advisory (Distressed Assets) (BPAJANAH)

Keywords

• Real estate appraisals
• Residential appraisals
• Commercial appraisals
• Agricultural appraisals
• Mortgage valuation services

Headquarters

HQ city

Kitchener

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Real Estate Appraisal Services: One-time professional service fees for appraisal reports. Residential fees start at $500 for standard properties up to $2,000 for luxury homes. Commercial fees start at $2,000 with typical ranges between $2,500 and $3,500. Fees are tailored to property type and complexity.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

M. Machel & Associates is a real estate appraisal firm founded in 1995 and headquartered in Kitchener, Ontario. The firm provides residential, commercial, and agricultural property appraisal reports to mortgage brokers, lenders, legal professionals, and individual property owners throughout Southwestern Ontario. The firm operates a Preferred Partner Program designed specifically for mortgage broker clients.

Product overview

M. Machel & Associates is a single-service appraisal firm offering a unified suite of property valuation products. The core offering comprises three main property-type appraisal services (Residential, Commercial, and Agricultural Appraisals), which are then specialized across six use-case verticals (Mortgage Financing, Separation/Family Law, Estate Planning, Power of Sale/Foreclosure, Tax Assessment Appeals, and Tax Planning/Capital Gains). An optional Preferred Partner Program adds loyalty rewards and enhanced support for mortgage broker partners. Together, these products form a comprehensive, vertically-integrated appraisal service portfolio serving lending, legal, and individual client needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Property Appraisal
• Commercial Property Appraisal
• Agricultural Property Appraisal
• Preferred Partner Program

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

16 partnerships are on record, tiered core.

• TD BankcoreChannel Partner/ Reseller/ DistributorTD Bank is one of Canada's major A-lenders that trusts and accepts appraisals from Machel & Associates for mortgage financing purposes.
• Royal Bank of Canada (RBC)coreChannel Partner/ Reseller/ DistributorRBC is a major A-lender that accepts appraisals from Machel & Associates for mortgage financing purposes.
• Bank of Montreal (BMO)coreChannel Partner/ Reseller/ DistributorBMO is a major A-lender that accepts appraisals from Machel & Associates for mortgage financing purposes.
• ScotiabankcoreChannel Partner/ Reseller/ DistributorScotiabank is a major A-lender that accepts appraisals from Machel & Associates for mortgage financing purposes.
• Canadian Imperial Bank of Commerce (CIBC)coreChannel Partner/ Reseller/ DistributorCIBC is a major A-lender that accepts appraisals from Machel & Associates for mortgage financing purposes.
• National Bank of CanadacoreChannel Partner/ Reseller/ DistributorNational Bank of Canada is a major A-lender that accepts appraisals from Machel & Associates for mortgage financing purposes.
• Libro Financial GroupcoreChannel Partner/ Reseller/ DistributorLibro is a credit union partner that accepts appraisals from Machel & Associates for mortgage financing purposes.
• Meridian Credit UnioncoreChannel Partner/ Reseller/ DistributorMeridian Credit Union is a credit union partner that accepts appraisals from Machel & Associates for mortgage financing purposes.
• York North Credit Union (YNCU)coreChannel Partner/ Reseller/ DistributorYNCU is a credit union partner that accepts appraisals from Machel & Associates for mortgage financing purposes.
• EQ BankcoreChannel Partner/ Reseller/ DistributorEQ Bank is an alternative/online lender partner that accepts appraisals from Machel & Associates for mortgage financing purposes.
• Home TrustcoreChannel Partner/ Reseller/ DistributorHome Trust is an alternative lender partner that accepts appraisals from Machel & Associates for mortgage financing purposes.
• Community TrustcoreChannel Partner/ Reseller/ DistributorCommunity Trust is an alternative lender partner that accepts appraisals from Machel & Associates for mortgage financing purposes.
• MCAPcoreChannel Partner/ Reseller/ DistributorMCAP is an alternative lender partner that accepts appraisals from Machel & Associates for mortgage financing purposes.
• RMG MortgagescoreChannel Partner/ Reseller/ DistributorRMG Mortgages is an alternative lender partner that accepts appraisals from Machel & Associates for mortgage financing purposes.
• First NationalcoreChannel Partner/ Reseller/ DistributorFirst National is an alternative lender partner that accepts appraisals from Machel & Associates for mortgage financing purposes.
• CWB (Canadian Western Bank)coreChannel Partner/ Reseller/ DistributorCWB is an alternative lender partner that accepts appraisals from Machel & Associates for mortgage financing purposes.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• CBRE: World's largest commercial real estate services firm offering valuation and appraisal services alongside brokerage, investment management, and advisory. Competes with Machel on commercial and complex-property appraisals.
• Cushman & Wakefield: Global commercial real estate services firm with established valuation and advisory capabilities. Comparable as a broader incumbent offering appraisal within a diversified real estate services portfolio.
• Colliers International: Global professional services and investment management firm with a significant real estate valuation and appraisal practice serving lenders and investors. Overlaps with Machel's lender-facing appraisal work as part of a much wider real estate services platform.
• Avison Young: Canadian-founded global real estate services firm with valuation, advisory, and brokerage capabilities. Comparable as a Canadian-rooted incumbent operating across property types with appraisal expertise.
• JLL (Jones Lang LaSalle): Global real estate services and investment management firm with valuation and appraisal offerings. Overlaps with Machel on commercial property valuations and lender/investor-facing work.

Others

• Royal LePage: Canadian real estate brokerage network with adjacent valuation and appraisal-adjacent services. Comparable as a channel and customer ecosystem in which Machel brokers and competes, though not a direct appraisal competitor.

Direct peers

• Winsborough Ltd. Canadian appraisal and real estate advisory firm serving financial institutions, law firms, and private clients across Ontario. Highly comparable regional peer focused on lender and legal-professional appraisal work.
• North American Appraisal Group: Canadian-based appraisal firm offering residential, commercial, and specialty property valuations with lender-focused service delivery. Closely comparable mid-sized appraisal peer operating in the Canadian market.
• Landmark Appraisals: Canadian real estate appraisal firm providing residential and commercial valuation services to lenders, brokers, and legal professionals. Directly comparable in scope and target customer segments.
• Altus Group: Canadian-headquartered (TSX-listed) real estate advisory and appraisal firm with broad valuation, consulting, and data offerings. Most directly comparable as a Canadian-focused appraisal business operating at much larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/1888625

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about M. Machel & Associates