Toronto Founding
Established our corporate headquarters in Toronto, anchoring our core valuation services within the Greater Toronto Area.

About the firm
CHS Realty Advisors Inc. was established in 2016 in Toronto, Ontario, by founders Toivo Heinsaar, AACI, P. App., MRICS and David Scott, AACI, P. App. What began as a focused commercial appraisal practice rapidly evolved into a comprehensive valuation and advisory service covering both commercial and residential property classes across Ontario.
Our story
Both founders brought extensive industry experience to the firm, driven by a commitment to data-driven precision and elite market analytics. To better serve our expanding client base of institutional lenders, developers, and fund managers, the firm executed a regional expansion strategy across Southern Ontario and the Golden Horseshoe.
Established our corporate headquarters in Toronto, anchoring our core valuation services within the Greater Toronto Area.

Opened our physical office in Niagara Falls to provide specialized industrial, commercial, and residential appraisal services across local municipal markets.

Established a dedicated footprint in Brantford to support the accelerating development and valuation needs of the Brant and Waterloo Regions.

Opened our Hamilton branch, completing our connected regional network to seamlessly service Hamilton, Burlington, Caledonia, Ancaster, Stoney Creek, and surrounding communities.

Our professional standards
At CHS Realty Advisors, an appraisal is more than a report — it is a defensible framework upon which critical financial and legal decisions are made. We operate under a strict professional promise rooted in absolute independence and objectivity.
Our value conclusions are derived strictly from empirical market evidence, rigorous data transparency, and objective evaluation methodologies. We never compromise our professional independence or allow external client timelines or pressures to influence our valuation outcomes.
Every cross-functional assignment undergoes a thorough internal peer-review process. This guarantees that all reports are meticulously researched, clearly articulated, and compliant with institutional guidelines before delivery.
We understand that timing is a critical risk factor in corporate lending, closing schedules, and legal proceedings. Our digital workflow infrastructure allows us to maintain a 98% on-time delivery rate without ever sacrificing accuracy.
We maintain strict adherence to the highest standards of professional competency and ethical conduct defined by the AIC.
Every valuation report issued by our firm is fully compliant with the stringent regulations set out by CUSPAP.
Our leadership team includes designated MRICS professionals, aligning our valuation methodologies with global property standards and institutional parameters.

CHS team
A cross-disciplinary team of designated appraisers, AIC candidates, and operational leadership serving institutional, legal, and private clients across Ontario.
President
Toivo leverages more than 25 years of distinguished expertise across the Canadian real estate appraisal sector. He specializes in forensic valuation, comprehensive litigation support, appraisal review, and robust financial reporting for institutional, investment-grade assets and extensive multi-jurisdictional portfolios. Annually managing over $2 Billion in real estate asset evaluations, his corporate experience includes executive tenures as Senior Vice President and Valuation Director at Avison Young, Vice President at Cushman & Wakefield, and Associate Vice President at Colliers International.
Valuation & Consulting
Cindy brings over 9 years of direct real estate valuation and consulting practice within the Greater Toronto Area (GTA) and the Greater Golden Horseshoe (GGH). Serving as the Vice Chair of the Toronto Chapter of the Appraisal Institute of Canada, she has built a flawless track record collaborating with the nation's leading financial institutions, institutional developers, and private equity funds. Her specialized expertise spans portfolio valuations and single-asset appraisals across retail plazas, office towers, high-density development land, and multi-residential complexes. She previously refined her institutional market analytics framework at Cushman & Wakefield.
VALUATION & LITIGATION SUPPORT
Victoria commands more than 8 years of localized and international experience executing highly complex commercial and residential valuations. Known for her meticulous research methodologies and deep comprehension of localized municipal market dynamics, she handles high-stakes files for asset sales, strategic corporate estate planning, and court-ready legal purposes. Her career includes professional roles as a Residential Real Estate Appraiser at Avison Young and an Appraisal Review Analyst at Solidifi, alongside foundational valuation positions as a Collateral Appraiser for major financial corporations overseas.
Project Lead
Kerianne directs the end-to-end implementation of firm-wide operational initiatives and delivery frameworks at CHS Realty Advisors. Functioning as our core Project Lead, she applies highly structured control models to maximize resource allocation, enforce strict risk mitigation, and guarantee that client deliverables consistently surpass institutional standards. Drawing on her deep administrative background within the executive financial services sector, Kerianne successfully bridges the gap between high-level strategic intent and timeline precision across our cross-functional teams.
VALUATION & LITIGATION SUPPORT
Leveraging a foundational Bachelor of Science from the University of British Columbia, Amber integrates a data-driven, highly analytical methodology into complex valuation assignments across Southwestern Ontario. Her core focus lies at the direct intersection of traditional asset valuation and forward-looking development feasibility strategy. She provides advisory documentation and risk assessments to Tier-1 financial institutions, prominent real estate developers, and institutional property networks.
VALUATION & LITIGATION SUPPORT
Heather combines a sharp technical understanding of built forms with professional valuation rigour, holding a Bachelor of Architectural Science from Ryerson University alongside her ongoing AACI candidacy through the UBC Sauder School of Business. Operating as a specialized commercial appraiser within the Niagara Market Area, she focuses on independent research, market asset data processing, and single-asset valuations for agricultural acreage, development land parcels, commercial storefronts, and multi-residential assets.
Valuation & Advisory
Jolanta possesses over 5 years of experience in real estate valuation, lending analysis, and advisory services across the Greater Toronto and Hamilton Areas. Pursuing her AACI licensing through the UBC Sauder School of Business, she blends extensive appraisal knowledge with a multi-disciplinary corporate background — holding a Commercial Lending and Loans Administration Certificate, alongside historical credentials as an OREA Real Estate Sales Representative and a corporate Law Clerk. Her unique background allows her to provide comprehensive asset support services to financial institutions, investors, developers, and corporate legal teams.
VALUATION & ADVISORY
Kevin brings an immersive local perspective to the Niagara Region real estate landscape. Having held a valid real estate realtor license since 2005, he commands an intimate, on-the-ground understanding of neighbourhood parameters, historic pricing trends, and regional property value shifts. He handles traditional real estate service deliverables for a wide range of clients.
VALUATION & ADVISORY
Lorne holds a Bachelor of Arts in Economics from York University and brings a highly technical financial overview to his valuations, backed by previous experience as a licensed FSRA/CMBA Mortgage Broker. Maintaining deep professional roots across Niagara, his broad valuation background spans residential sales tracking, vacant land parcels, agricultural zoning matrices, and urban multi-residential investment structures. He works directly with Canada's institutional lenders and private developers to deliver rigorous, market-verified real estate appraisals.
VALUATION & ADVISORY
Tatyana leverages more than 17 years of deep, multifaceted experience within the Canadian real estate industry. Holding a Bachelor's degree in Engineering from the National Technical University of Ukraine, she utilizes her experience to execute complex asset reviews across the GTA. Her comprehensive valuation portfolio spans standalone retail plazas, commercial office units, complex industrial spaces, and mixed-use development assemblies. She delivers sophisticated property analysis tailored to institutional criteria.
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