How I can help you

On-going Review Service

As well as the initial recommendation, I strongly believe in maintaining client relationships over the long-term. This is why I provide all clients with an exceptional review service, which is available to new and existing clients and covers arrangements such as a mortgage, life insurance policy or home insurance. My review service starts with a full fact find that will enable me to estalish current and future needs to move on to reviewing against current policies in place. After the fact find has been completed, if it is clear that current arrangements are no longer suitable, this could be amended (depending on the arrangement type) or a new arrangement can be implemented as the most suitable product.

My on-going review service for mortgage and protection policies is complimentary and includes a one thirty-minute review meeting, per annum - (initial review only)).

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other debts secured on it. 

Some mortgages, such as commerical Buy-to-Lets, are not regulated by the Financial Conduct Authority.

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

Joanna Stickings trading as Certitude Wealth (FCA Number 618000) is an appointed representative of Julian Harris Mortgages Ltd (FCA Number 304155), which is authorised and regulated by the Financial Conduct Authority.

Joanna Stickings - Principal and Mortgage and Protection Adviser