Office: 01634 222579    


Hello and welcome to Certitude Wealth


My name is Joanna Stickings and I am the Principal of Certitude Wealth and a fully qualified Mortgage and Protection Adviser. I'm based in Rochester and serve the county of Kent; typically Rochester, Strood, Walderslade, Sittingbourne and Maidstone.


I specialise in shared ownership mortgages but provide an 'advice and recommendation' service to all first-time buyers, next-time buyers, for re-mortgages and buy-to-let property investors.


I also provide a range of additional advisory services including life insurance, critical illness cover and income protection for families as well as insurance arrangements for businesses. 



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.


Equity Release will reduce the value of your estate and can affect your eligibility for means-tested benefits.


The Financial Ombudsman Service (FOS) is an agency for arbitrating in resolved complaints between regulated firms and their clients.

Full details of the FOS can be found on their website,



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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