Business Details
12 Years
experience
Your Trusted Mortgage & Protection Adviser in Rochester
Certitude Wealth was established to provide tailored mortgage and protection advice, combining over two decades of financial industry expertise with a client-centric approach. Since 2014, we have specialised in helping clients achieve homeownership, investment goals, and financial security through mortgages, life insurance, and protection policies. Our services cover first-time buyers, next-time buyers, and property investors across Kent and surrounding areas.We prioritise long-term relationships, offering complimentary reviews to ensure solutions adapt to evolving client needs. Our commitment to transparency, regulatory compliance, and ethical advice is underscored by our authorisation through the Financial Conduct Authority. Client testimonials highlight our professionalism, efficiency, and ability to secure cost-effective mortgage arrangements.
Services
Shared Ownership Mortgages
Buy-to-Let Mortgages
Life Insurance
Income Protection
Mortgage Reviews
Critical Illness Cover
Conveyancing Referrals
Home Insurance
Wills Referrals
Re-mortgage Services
Details
- Year established: 2014
Highlights and features
- We offer over 20 years of experience in mortgage and protection advice.
- Our tailored solutions prioritise long-term client relationships.
- We provide complimentary mortgage and insurance policy reviews.
- We serve clients across Kent with local market expertise.
- Our advice is regulated by the Financial Conduct Authority.
Associations and certifications
- Financial Conduct Authority
What people say
Professional and prompt service
Saved 150 per month
Stress-free process
Thoroughly impressed
Highly recommend
Services
Shared Ownership Mortgages
We specialise in Shared Ownership mortgages, enabling first-time buyers to purchase a share of a property while paying rent on the remaining portion. Our expertise ensures clients navigate eligibility criteria and secure competitive rates. This service supports homeownership for those unable to afford full market value purchases.
Buy-to-Let Mortgages
Our Buy-to-Let mortgage advice caters to property investors seeking rental income. We assess market trends, loan-to-value ratios, and tax implications to recommend profitable investment strategies. Clients benefit from tailored solutions aligned with their portfolio growth objectives.
Life Insurance
We provide life insurance policies to safeguard families against financial hardship in the event of illness or death. Our advice ensures coverage amounts and terms match clients' dependents' needs and long-term financial commitments.
Income Protection
Our income protection policies replace a portion of earnings if clients are unable to work due to illness or injury. We tailor coverage durations and payout percentages to maintain living standards during unforeseen circumstances.
Mortgage Review Service
We offer complimentary annual reviews to assess existing mortgages and insurance policies. This ensures ongoing suitability, identifies cost-saving opportunities, and aligns products with clients' evolving financial goals and life stages.
People
Joanna Stickings
Principal and Mortgage and Protection Adviser
Joanna Stickings, with over 20 years in finance, founded Certitude Wealth in 2014. She specialises in mortgage and protection advice, prioritising client relationships and regulatory compliance. Her expertise spans first-time buyers, investors, and insurance solutions.
Questions
What mortgage services do you offer?
We provide Shared Ownership, Buy-to-Let, re-mortgage, and first-time buyer mortgages, along with life insurance and income protection advice.
Do you offer free mortgage reviews?
Yes, we provide complimentary annual reviews to ensure your mortgage and insurance policies remain suitable for your needs.
Which areas do you cover?
We serve clients across Kent, including Rochester, Gravesend, Maidstone, and the Hoo Peninsula.
How are you regulated?
Certitude Wealth is authorised by the Financial Conduct Authority through Julian Harris Mortgages Ltd.
Can you help with protection policies?
Yes, we offer life insurance, critical illness cover, and income protection tailored to your financial security needs.
