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.
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.
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.
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.
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.
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.
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.
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