cornellmortgages.ca brings institutional-grade commercial real estate mortgage expertise directly to Ontario investors, developers, and asset managers. With 13+ years of hands-on experience in CRE appraisal, investment, and underwriting — and over $5.5 billion in transaction activity — this is not a generalist mortgage practice. Every deal is approached with the same rigour applied at the institutional level.
Whether you are acquiring a 200-unit purpose-built rental in Hamilton, repositioning a flex-industrial portfolio in Scarborough, or breaking ground on a mixed-use development in Guelph, the right capital structure begins with the right broker. cornellmortgages.ca operates across Ontario's major commercial markets and maintains active lending relationships across CMHC-insured, conventional, and private channels.
Why Institutional Experience Matters in Commercial Lending
Commercial real estate finance is fundamentally different from residential lending. A lender underwrites to NOI — not income statements alone. Debt service coverage ratios (DSCR), cap rates, loan-to-value based on stabilized income, and amortization structures all determine what a property can carry and what a lender will approve. Most mortgage agents have never underwritten a commercial asset from the inside. Cornell K. Haynes has practical investment experience across the industrial, retail, multi-family, and development asset classes, in both private REIT and institutional settings.
That background means faster, more credible deal packaging. It means knowing which lenders price best for a 35-year amortized retail strip in Niagara versus a CMHC MLI Select multi-family in Ottawa. It means deal structure that actually closes.
Commercial Mortgage Services — Ontario Property Types
cornellmortgages.ca arranges financing for the full spectrum of income-producing and development commercial real estate across Ontario:
Multi-Family (5+ Units)
Purpose-built rental apartments, apartment conversions, and portfolio acquisitions. Conventional and CMHC MLI Select insured structures with amortizations up to 50 years. Eligible properties may access Canada's lowest available mortgage rates when CMHC-insured. Served markets: Toronto, Hamilton, Guelph, Ottawa, London, Windsor, Kitchener-Waterloo.
Industrial
Warehousing, flex-industrial, logistics facilities, manufacturing plants, cold-storage, climate-controlled, and data centre assets. Deep first-hand underwriting experience in these asset classes, including unique properties that require specialized lender placement. Active markets: Scarborough, Brampton, Hamilton, Burlington, Cambridge.
Retail & Strip Plazas
Strip malls, anchored plazas, standalone retail, and ground-floor retail in mixed-use assets. Lender selection driven by tenancy mix, lease terms, and WALT. Active markets: Niagara–St. Catharines, Hamilton, Brantford, London, Windsor.
Office
Single and multi-tenant office buildings, medical office, and professional suites. Underwriting to in-place rents with vacancy haircuts appropriate to market. Active markets: Toronto, Oakville, Burlington, Guelph, Ottawa, Kitchener-Waterloo.
Development & Construction
Land acquisition, rezoning, construction draws, and multi-phase development financing. Experience structuring development cash flows for investment funds. Structures include progress draws, cost-to-complete provisions, and take-out commitment letters. Active markets: Hamilton, Guelph, Scarborough, Kitchener-Waterloo, Niagara, Brantford.
Hospitality
Hotels, motels, and conference centre assets across Ontario. Underwriting includes RevPAR, ADR, and occupancy-based NOI analysis. Active markets: Niagara Falls, Ottawa, London, Windsor.
Bridge Financing
Short-term transitional financing for value-add repositioning, lease-up properties, properties transitioning from private to conventional lending, and distressed acquisitions. Terms typically 12–36 months with clear exit strategy underwriting. Available province-wide.
Mixed-Use
Retail-plus-residential and office-plus-residential assets. Lender selection for mixed-use requires specific expertise — pure commercial lenders often discount the residential component, and residential lenders often cannot accommodate the commercial. cornellmortgages.ca structures these deals correctly from the outset.
Serving Ontario's Major Commercial Markets
cornellmortgages.ca actively arranges commercial mortgage financing across the following Ontario cities and regions:
Toronto and Scarborough (GTA East) · Hamilton (including Ancaster, Dundas, Stoney Creek, Flamborough, Glanbrook, Waterdown, Binbrook) · Niagara–St. Catharines (including Niagara Falls, Welland, Fort Erie, Thorold, Grimsby, Lincoln, Niagara-on-the-Lake) · Guelph · Brantford · Burlington · Oakville · Kitchener-Waterloo and Cambridge (Waterloo Region) · Ottawa · London · St. Thomas · Windsor.
In-person meetings are available at the Toronto/Scarborough office (2739 Eglinton Avenue East) and the Oakville office (302-2904 South Sheridan Way). Virtual consultations available province-wide.
The cornellmortgages.ca Difference
Most commercial mortgage brokers have a residential background with a commercial overlay. Cornell K. Haynes built his career inside commercial real estate — starting in CRE appraisal, growing to an associate director at a private Ontario REIT. Cornell's CRE Investment experience includes $5.5 billion in acquisitions and disputations across industrial and retail asset classes including over $250 million in capital deployed. The largest single deal underwritten: $213 million, 5-site industrial portfolio across Calgary and Edmonton.
Licensed as an Agent Level 2 under FSRA (License M22004316), operating under Ncompass Financial Inc. (Principal Broker: Mark Hart, 40+ years CRE) licensed under R.D.M. Financial Consultants, Lic No. 10716 (The Mortgage Centre Canada Commercial).
Get a Commercial Mortgage Assessment
Bring your property details, current financials, and acquisition or refinancing objectives. cornellmortgages.ca will provide a frank, institutional-grade assessment of deal viability, realistic rate expectations, and optimal lender placement — before you spend money on appraisals and legal fees on a deal that won't close.
Call +1-647-923-7499 · Available 7 days a week. Book an appointment to secure a time during regular business hours or send us an email at cornell@ncompassfinancial.ca to discuss at your convenience.
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Reviews
Definitely a personable guy and easy to work with. My first interaction with Cornell gave me no reason to look for any other mortgage brokers.
Cornell met up with me and carefully explored my mortgage options in a clear, thoughtful, and professional way. He took the time to explain everything without rushing, which made the entire process feel less overwhelming. His calm approach and deep knowledge really stood out. I felt supported every step of the way. Highly recommend Cornell to anyone looking for a reliable and knowledgeable mortgage agent!