How I work

I offer an 'advice, recommendation and implementation' service to provide a tailored solution to each client. Any recommended solution is regularly reviewed to ensure the product continues to meet expectations and remains on track to fulfil specific goals.

In order to achieve this, I take each client through the following 6-stage journey:

Step 1 - Initial Consultation 

This is where I identify personal needs and objectives and establish what benefit my services would provide you with. I disclose the full service offering and any associated costs. The initial consultation is complimentary and no-obligation to proceed further. 

Step 2 - Factfind

To provide you with the most suitable mortgage and/or life insurance recommendation, it's vital I fully understand what you want to achieve and understand your current circumstances. I start by completing a Factfind. This information is what my recommmendation will be based on. Any existing life insurance policies will be discussed to ensure they continue to meet your needs.

Step 3 - Research

I will be able to carry out the research to recommend the best mortgage and/or life insurance solution that meets the needs we identified during the factfinding stage.

Step 4 - Report & Recommendation

 I will share the results of the research and explain my recommendation to you. If required, this will include specific product solutions that will support your needs and future goals.

Step 5 - Implementation

The ‘Implementation’ stage involves submitting the mortgage or life insurance application based on my recommendation. I act as the intermediary between you and the product provider or mortgage lender. once the application has been submitted, I will be your point of contact until the mortgage completes or the life insurance has started.

Step 6 - Review Service 

An on-going relationship with clients has always been integral to my business. I believe this adds significant value to the service I offer. Depending on your circumstances will depend on how frequent the policy is reviewed.

I offer a complimentary initial review and monitoring service for all mortgages and protection policies. The purpose of this stage is to monitor your arrangements to ensure these continue to meet your expectations and objectives.

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.

Information, guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. 

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 Adviser Network Limited, authorised and regulated by the Financial Conduct Authority (FCA number 304155).

Joanna Stickings - Principal and Mortgage and Protection Adviser