Joanna Grankin

“Working with Josh means I feel hugely more secure about my financial future.

Maureen Byrne

“Josh keeps everything simple; he doesn't use financial jargon.

Charles & Joanne Bloom

“We feel very safe and secure about our financial future knowing Josh is guiding us

Paul & Sandra Burns

“The Orchard Practice have given us the confidence that we can enjoy our retirement when the time comes

Sally Wilds

“Josh has made me feel much more positive about my future

Daniel Minsky

“My family's financial future is in safe hands with The Orchard Practice

What we do

We provide high quality financial planning services for individuals, families and business owners.

We’ve been dedicated to serving the whole range of our clients’ financial needs since 1997. But we never stand still because we know the world doesn’t either.

We ensure the services we offer evolve to keep pace with our clients’ needs as well as the wider world and the markets. Most importantly, we always tailor our work to the specific needs, goals and priorities of the person, or group of people, sitting in front of us.

We’re here to help you achieve your goals.

We can help with:

First time buyer mortgages


Home mover mortgages

Commercial property mortgages

Buy-to-let mortgages

Lifetime mortgages/ Equity release

Help to Buy mortgages



Retirement planning



Onshore Bonds

Offshore Bonds

Venture Capital Trusts

Enterprise Investment Schemes

Estate planning

Inheritance Tax planning

Cash management

Key person insurance

Unemployment cover

Employee benefits

Critical illness cover

Life insurance

Income protection

Business protection

Shareholder protection

Home insurance

Landlords insurance

Your home may be repossessed if you do not keep up repayments on your mortgage.

You will need to take legal advice before releasing equity from your home as Lifetime Mortgages and Home Reversion plans are not right for everyone.

* Please note: Commercial mortgages and some buy-to-let mortgages are not regulated by the Financial Conduct Authority.
** Please note: Will writing is not regulated by the Financial Conduct Authority.