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 my business, Certitude Wealth. I have been operating for seven years and I have helped a multitude of clients achieve their goals of home ownership and protecting their financial position should anything happen to their health.
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 provide an 'advice and recommendation' service for all first charge mortgages. This could be for a first-time buyer, a next-time buyer looking to upsize or downsize as well a remortgaging existing properties.
I also look after property investors purchasing properties to rent for future investment returns. Furthermore, 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.
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 provide an 'advice and recommendation' service for all first charge mortgages. This could be for a first-time buyer, a next-time buyer looking to upsize or downsize as well a remortgaging existing properties.
I also look after property investors purchasing properties to rent for future investment returns. Furthermore, 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.
Services
I am delighted to welcome you to my website and to introduce you to my business.
I have enjoyed working in Financial Services for over sixteen years and have build strong working relationships with Housing Associations, lenders but more importantly, my clients over this time.
I provide a full advice and recommendation service to all my clients covering a spectrum of services.
These range from first charge residential and buy-to-let mortgages as well as life insurance, critical illness cover (CIC), income protection and home insurance.
I have enjoyed working in Financial Services for over sixteen years and have build strong working relationships with Housing Associations, lenders but more importantly, my clients over this time.
I provide a full advice and recommendation service to all my clients covering a spectrum of services.
These range from first charge residential and buy-to-let mortgages as well as life insurance, critical illness cover (CIC), income protection and home insurance.
My bespoke service offers an 'advice, recommendation and implementation' process to provide a tailored solution to every client.
Any solution that I recommend is regularly reviewed to ensure the product continues to meet your expectations and remains on track to fulfil your needs.
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 a complimentary, no-obligation consultation.
Any solution that I recommend is regularly reviewed to ensure the product continues to meet your expectations and remains on track to fulfil your needs.
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 a complimentary, no-obligation consultation.
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.
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.
Purchasing your first or next home is usually the biggest financial commitment.
I am here to "hold your hand" and guide you through each step of the mortgage process.
This starts with the initial consultation right through to completion and beyond.
I liaise closely with the lender and solicitor on your behalf to provide a stress-free house buying process.
Every recommendation is bespoke to each client depending on their needs and circumstances at the time of the meeting.
In current challenging times, it isn't always about recommending the cheapest interest rate - it is vital to discuss additional features, such as payment holidays or overpayments as well as additional costs, including lender arrangement fees, an application fee and a valuation fee.
I am here to "hold your hand" and guide you through each step of the mortgage process.
This starts with the initial consultation right through to completion and beyond.
I liaise closely with the lender and solicitor on your behalf to provide a stress-free house buying process.
Every recommendation is bespoke to each client depending on their needs and circumstances at the time of the meeting.
In current challenging times, it isn't always about recommending the cheapest interest rate - it is vital to discuss additional features, such as payment holidays or overpayments as well as additional costs, including lender arrangement fees, an application fee and a valuation fee.
Shared Ownership has been an ever-increasing popular way for purchasing a property.
This way of buying has become popular for people who cannot afford to purchase a property with a conventional residential mortgage.
This could be due to income not providing a sufficient mortgage lending amount or not having a large enough deposit to satisfy lender criteria.
Shared Ownership gives you a opportunity to buy a share of a property between 25% and 75% of the full purchase price.
The remaining share is then rented from a registered Housing Association.
This way of buying has become popular for people who cannot afford to purchase a property with a conventional residential mortgage.
This could be due to income not providing a sufficient mortgage lending amount or not having a large enough deposit to satisfy lender criteria.
Shared Ownership gives you a opportunity to buy a share of a property between 25% and 75% of the full purchase price.
The remaining share is then rented from a registered Housing Association.
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