1. Book a call or email me
No obligation consultation.

I'm Rachelle Czartorynskyj, an independent Mortgage Broker serving Stratford, Perth County and clients throughout Ontario. With access to a wide network of banks, credit unions and alternative lenders, I help you compare mortgage options and find financing that suits your needs — not just what one bank has to offer.
More than just a Mortgage Pre-approval
A pre-approval is only as reliable as the information behind it. I take the time to review your financial situation, assess your borrowing power and identify potential challenges before you make an offer.
My goal is simple: fewer surprises, informed decisions and a smoother path to homeownership.
Mortgage Solutions Taylored to You
Whether you're buying your first home, moving, renewing, refinancing, consolidating debt or investing in real estate, I'll help you understand your options and make confident financial decisions.
Mortgage Financing Made Simple
Apply online, securely upload your documents and receive personalized mortgage advice without unnecessary appointments or paperwork.
Local expertise. Province-wide service. Personal attention every step of the way.
No obligation consultation.
Fast and Secure application that takes as little as three minutes to complete.
I will get back to you with all of your options, so you can confidently move forward.

My business has grown through repeat clients and personal referrals — something I truly value. I believe in honest advice, clear communication and being there for my clients long after their mortgage closes.
Giving back is also part of who I am. As the founder of Hearts4Paws Senior Cat Rescue and Stratford Cares 100, I'm passionate about making a difference in our community. A portion of every mortgage commission helps support animals in need, while Stratford Cares 100 brings neighbours together to support local organizations and vulnerable residents.
Whether you're purchasing your first home or making your next financial move, you can count on personalized guidance and a genuine commitment to your best interests.
Ready to explore your mortgage options? Contact me for a free, no-obligation consultation or mortgage pre-approval.
Don't just take my word for it — read my Google Reviews and client testimonials to see what my clients have to say.
Direct communication, quick responses & efficient mortgage approvals.
Competitive rates, multiple lender options & transparent fees.
Trusted by clients who return and confidently refer others.
Honest advice, experienced guidance & support from start to finish.

Finding the right home starts with the right team. I work closely with trusted local REALTOR® partners who can help you confidently navigate buying or selling a home. Together, we make the mortgage and real estate process easier, with experienced professionals supporting you every step of the way.
Have questions or ready to get started? Contact me for a free, no-obligation consultation. I'm always happy to help!
Real experiences. Trusted advice. Happy homeowners.
Based on 52 Google reviews
Read My Google Reviews