Hello and welcome to my website, thank you for stopping by.


I'm Joanna and I am a fully qualified Mortgage and Protection Adviser. After working in the Finance industry for almost a decade, I decided to set up Certitude Wealth. My business has been running for seven years and I have helped a multitude of clients achieve their goals of home ownership. My office is situated in Rochester but I serve the county of Kent; typically Rochester, Strood, Walderslade, Sittingbourne, Canterbury and Maidstone.


I specialise in shared ownership mortgages but I do provide an 'advice and recommendation' service for all first charge mortgages. This could be recommending a mortgage for a first-time buyer, a next-time buyer looking to upsize or downsize as well as via the Help to Buy Scheme. I also look after property investors purchasing properties for future returns. Aside from buyers, I provide the same bespoke service to new and existing clients needing to re-mortgage their current property. This could be because their fixed rate is coming to an end or already on the lender's Standard Variable Rate and wanting to reduce their monthly repayments.


Moreover, I provide a range of additional advisory services including life insurance, critical illness cover and income protection for individual clients as well as arrangements to protect businesses should the worst happen to valued employees or fellow directors. I also provide an advice and recommendation service or a 'Gold' referral service for home insurance.



Your home may be repossessed if you do not keep up repayments on your mortgage.


The Financial Conduct Authority does not regulate on Buy-to-Let mortgages.


The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on it's website at www.financial-ombudsman.org.uk.


My Services


Shared Ownership Mortgages

Home Insurance

Equity Release

Personal Protection

Business Protection

The guidance and information contained within this website is subject to the UK regulatory regime

and is therefore targeted at consumers based in the UK only. 

Joanna Stickings trading as Certitude Wealth is an Appointed Representative of Julian Harris Mortgages Ltd, authorised and regulated by the Financial Conduct Authority (FCA) Number 304155.

Joanna Stickings - Principal and  Mortgage and Protection Adviser

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