Daniel Minsky

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

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

What Our Clients Say


By The Orchard Practice

The success of our business depends on how well we look after our clients. We strive to ensure you are always taken care of. When updating our website we wanted to make sure we kept some of the lovely things our clients said about us:

I find Joshua and his team excellent in terms of professionalism, service, knowledge and full understanding. Very keen to offer, support and assist where applicable and would have no hesitation in offering their full range of services to family, colleagues and friends alike.

January 2020

Josh understood my needs, timescales and financial limits. Gave me a range of options and explained in detail the benefits of each.

DM July 2019

I needed to obtain a mortgage and Josh was able to secure an equity life time mortgage for us. I think he handled our situation with care and we felt very comfortable with him.

JM July 2019

Josh helped get the best mortgage for my first home. There is nothing he could have done better.

KT June 2019

As a first time buyer I was really unsure of the process, however Joshua was recommended to me and I could not be happier. The process was swift easy and pain free. Joshua was there every step of the way and so was his team. I would highly recommend the Orchard Practice and I myself personally would choose to go nowhere else for any financial reason. Fast, Commercial, Friendly, Professional and may I add fun. I was informed of all options open to me and jointly arrived at the best outcome for me.

MM March 2019

The service and advice we received from Joshua was not only perfect it was also delivered in a kind and considered manner. I would recommend the services of all at The Orchard Practice – it’s an exemplary company.

JR February 2019

By finding the right product for me and explaining thoroughly all aspects and advising me every step of the way.

CC February 2019

Found us a great new rate with minimum fuss and effort in our part.

BA January 2019

Joshua helped me to decide which was the best way forward in order to achieve my goals. In addition, he was able to find great deals several times for me. Following my first mortgage, I already bought a few more properties with Joshua’s help. I have seen all the outcomes I was hoping for.

PS January 2019

Yes, everything arranged as expected, with good interpersonal skills and in timely manner.

JM January 2019

He done everything for us and we didn’t need to worry.

JT January 2019

I have been working with The Orchard Practice since July 2013 following on from a recommendation. Since that time I have found Josh and his team to be very professional offering the most soundest of advice to suit my own personal needs. This level of service has been conducted in a very client friendly manner as has the after care service too. I would have absolutely no hesitation in recommending The Orchard Practise to family and friends alike.

SL January 2019

A big thank you to Josh, Eliot and the rest of the team for being extremely helpful, professional and efficient. Definitely recommend and will be using them again!

SM January 2019

After reviewing our financial suitability, we made a decision on what we can afford and Joshua helped us to find mortgage lender with best possible interest rates.

OD December 2018

Thank you very much to Joshua and his team. They have been very professional and effective. Everybody says that buying a house for the first time could be a pain, but for my partner and I, this has been a very easy and trouble free process

CV December 2018

Josh has worked tirelessly to help us with financing the purchase of our new home.
Him or his team have been always on hand to answer any questions we had, supporting us all the way through.
Thank you!

Roman & Ivana, November 2018

Many thanks to Josh, Nida, Sean and the team at The Orchard Practice. They were quick, contactable and extremely personable. I would have no hesitation using The Orchard Practice in the future. I would recommend to anyone.

Rob R, November 2018

So far we are extremely impressed with the Orchard Practice – professional, friendly, well-informed, innovative and most sympathetic to our needs.

Anonymous, November 2018

You guys are phenomenal!! Great customer service from everyone I’ve dealt with over the past year. Wealth of knowledge and patience. I do not just appreciate your ability to see what I couldn’t financially and steer me right, I also appreciate all the knowledge I’ve gained from you guys especially Josh. I am a proud home owner because of you guys!!! See you soon for my next financial milestone and thank you everyone.

Nicky, October 2018

Efficient service and would highly recommend, always helpful with expert knowledge.

Sanjay and Sukh, October 2018

We have used The Orchard Practice since the purchase of our first property almost 4 years ago and have used them for every new purchase and re-mortgage since. I have the utmost trust in their advice and am grateful for all the assistance they have given us. We will continue to both use The Orchard Practice and recommend The Orchard Practice to others.

Ricky, October 2018

Josh and Sean have put a tremendous amount of work to understand my lifestyle and help me work towards my financial goals. The great customer service makes me, as a client, feel like the Orchard Practice cares more about developing a long-term relationship than just making a sale.

Allison J, October 2018

I used Orchard Practice previously to arrange a mortgage on the recommendation of an Estate Agent.
I was happy with their services so I used them again recently to remortgage two properties.
Josh managed to get us a very competitive terms for both mortgages and they went through very quickly.
I will be happy to use Orchard Practice in the future and to recommend them to friends and family

Anonymous, September 2018

Josh was wonderful throughout the entire process of obtained our mortgage.He was patient, professional and explained everything in clear and concise ways.He was always available to take calls and his team were always fully abreast of where my application was up to. Couldn’t be happier with the service

Stuart, September 2018

Everything was fine with The Orchard Practice. The Orchard Practice is a good practice.

Peter J, August 2018

Thanks to Josh and his team for sorting out my recent financial matters. I have been using Josh for several years now and I cannot recommend them highly enough. Thoroughly professional, highly efficient and excellent communicators. I would recommend them for all financial services.

Jeremy L, August 2018

The team at Orchard Practice, and in particular Josh and Eliot, are an absolute joy to work with. They have been supportive and knowledgeable throughout a number of applications for us and have become reliant on their expert knowledge and diligent process. We would highly recommend them and once you do become accustomed to the level of service, it’s very difficult to contemplate progressing mortgages without them. I would thoroughly and whole heartedly recommend them.

Karl, July 2018

Josh invested a tremendous amount of time and effort to ensure that our needs were met. He delivered exactly what we needed and was helpful, friendly and accessible throughout the process.

I would definately recommend Josh and The Orchard Practice!

Toby, June 2018

Josh help us with our morgate application, he was very helpful and very friendly all the time, but between all him was very quick with my application and him find the best offer for us and we didn’t get any problem.

I really recommend Josh.

Andreea Loredana Rata, May 2018

Professional, friendly, knowledgable and honest. All key qualities needed to be amazing financial advisers! Thank you to Josh and the team for helping us newbies understand the world of mortgages, for patiently answering all our many questions and for helping us get a foot on the property ladder. We would definitely recommend The Orchard Practice to family and friends.

Roxanne & James, April 2018

We would like to thank Josh and all his team at The Orchard Practice. Everyone who we spoke to in the team have been very helpful and pleasant to talk to and have always promptly replied to our enquiries. Every effort was made to secure us with our new mortgage and remortgage. We highly recommend the services of The Orchard Practice and will definitely use their services again in the future.

D Sagir, December 2017

We would like to say a big thank you to Josh and his team. They have been amazing in helping us secure a mortgage and the purchase of our first home. We could always rely on Josh for a prompt response and excellent advice. He really went to extra mile for us and we couldn’t be more grateful. We have been recommending The Orchard Practice to all our family and friends.

Lisa Ozsdolay and Chris Kingston, September 2017

Great – Josh was very helpful, and the service was to the high standard I expected

Jonathan Buckley, September 2017

Thank you very much to Joshua and its team, especially Eliot. They have been very professional and effective.

Everybody says that buying a house for the first time could be a pain, but for my partner and I, this has been a very easy and trouble free process.

We have actually enjoyed the way and are looking forward to enjoying our house. Gracias Orchard Practice team 🙂

Carolina Velasquez, September 2017

This is the second time I am using Josh’s expertise to achieve the best possible package for my mortgage. I am really pleased with his advice and professional service throughout. Queries are always answered promptly (I have had a few and sometimes more than twice a day!) and as the saying goes “a happy customer is a returning customer.” that, I am!!

Katherine Cohen, September 2017

Our accountant of 25 years recommended Orchard practice, specifically Josh.

Over the last few years his investment advice has given us some of the best returns we have seen in a long time.

He was also very professional when arranging our buy to let mortgages.

Well done Josh!!

Charles & Joanne Bloom, September 2017

A big thank you to Josh, Eliot and the rest of the team for being extremely helpful, professional and efficient. Definitely recommend and will be using them again!

James & Shummi, September 2017

Josh has helped me secure the exact mortgage I wanted twice now. I’m always impressed by his professionalism, expertise and patience. Thank you again!

Zak, August 2017

I found that Josh and Eliot provided explanative, considered and professional advice and a personal service that has helped assist a smooth process
for my property purchase and other dealings.

Steven, August 2017

Always clear cut and comprehensive, easily approachable

Michael May, April 2017

Joshua has been extremely knowledgeable, helpful, efficient and effective throughout this process.

Mr and Mrs Kingston, March 2017

Malcolm is not allowed to retire

Aaron Saffer, February 2017

Used this company for a few issues ,and found staff very helpful indeed. they keep you well informed at all times

Keith Hathaway, February 2017

Excellent and professional service. Highly recommended!

Ilana Sasonkin, January 2017

Excellent professional & helpful service. Fully recommend this company

Lisa Stachini, January 2017

A family business who really make you feel like you’re the most important person in the world, whatever your financial query, be it mortgages, investments, protection or the like.

Joshua May, March 2016

An excellent service. Best value for money with best mortgage interest rates.Used The Orchard Practice since 2014. Would recommend to all our friends and family. Personalised service with Josh and his colleague Bobby. Can’t get it any better. Thanks guys.

Kishor Negandhi, March 2017

Josh was very helpful start to finish!

Hayley Iasonos , January 2017

Really happy with Joshua’s advice

Isabelle Segal, January 2017

Very helpful, friendly and very professional.

Joshua Pomerance, January 2017

A great firm with great service and ethos. Would highly recommend their services

Jeremy Van Den Bergh, January 2017

Everybody I have dealt with has been friendly and helpful

Rob Roskin, January 2017

Very professional, helpful, quick to respond. Very pleased with his professional services. Would definitely recommend.

Aizhan Omar , January 2017

A very nice and helpful company. A pleasure to deal with.

Steve Protheroe, January 2017

My husband and I have used the Orchard Practice a few times and they are always extremely helpful, quick to respond, get us the best deals, and generally just lovely people to work with. Highly recommend these guys to anyone looking for mortgage advice, they really are the bees knees!

Sophie Ambridge, January 2017

Informed and efficient, goes beyond his job description.

Jennifer Ducker, July 2016

Very polite, reliable and helpful service

Jihad Saleh, July 2016

Throughout the whole process I found Joshua and his support team to be efficient ,professional and understanding. Always available for any support or advice.

Lionel Kaye, June 2016

The service we received from the Orchard Practice was excellent. Malcolm, as always, was extremely helpful and got us the mortgage we wanted. I have recommended their services to friends.

Jill Ward-Smith, April 2016

I have always found Malcolm Isaacs to be very personable, knowledgeable and efficient. I have been more than happy with the service I receive from The Orchard Practice and would have no hesitation recommending their services.

Stephen Katz, March 2016

Excellent professional service. Experience and wisdom offered at a an excellent cost.

Irfan Menevili, March 2016

Malcolm and Derek are just wonderful. Friendly patient efficient

June Hyde, March 2016

Beyond excellence advice, support and amazing customer service by the whole team. Consistently professional services provided, wouldn’t know what to do with all these guys…. Thank you to everyone at Orchard Practice.

Shane Baptista, February 2016

We have been dealing with Malcolm for many years and always find him helpful and efficient

Jeff Serlin, February 2016

Joshua was excellent from the beginning to the end, highly recommended.

Daniel Landau, October 2015

Malcolm has worked with me for over eleven years, both as a mortgage broker and as an insurance broker. Malcolm has delivered results where others have delivered excuses. I have not seen anyone in the real estate industry who has achieved higher levels of competence, professionalism, and effectiveness. And service and advice have not just stopped when the fee is paid; Orchard Practice service what they sell. Kudos!

Philip Halperin, October 2015

Josh – thank you for your support and advice. As ever, a creative approach and excellent client service – you were trained well!

Joel Greenwood, July 2015

Nothing was too much trouble for Joshua who was responsive and helpful throughout the process thank you.

Richard Denton, July 2015

Josh provided excellent advice and guidance when we were looking to move home, making sure we found the best mortgage that was tailored to our needs and assisting when any issues arose.

Joshua May, July 2015

I was recommended to Malcolm and was not disappointed. I found him to be very approachable, knowledgeable and efficient and would certainly recommend him to others.

Stephen Katz, June 2015

Got me a mortgage on a buy to let where for 3 years others failed.

Lee B, April 2015

Great people, outstanding service and advice. Always happy and would highly recommend their services

Shane Baptista, April 2015

Josh has everything I look for in an advisor. He is very open and approachable,

Joel Minsky, April 2015

Malcolm was excellent – Very professional and responsive and got us a great mortgage – Thank you!

Robert Dallal, April 2015

Our buy-to-let investment was dependent on a substantial mortgage in unusual circumstances due to factors such as rate advanced, residency issues and other complicating aspects, banks on the whole do not wish to face.

Josh, our adviser at The Orchard Practice was able to overcome them all and skilfully advised on the best option possible which resulted in a successful mortgage application.

Many thanks for the professional and friendly service.

Michael & Lisa May, December 2014

I just wanted to say a huge thank you for the financial services you have provided to my clients. It is a very big deal as an accountant to recommend a financial advisor and you have proved a massive success to work with. I am very grateful for your efficiency, promptness and reliability in dealing with my clients.

The financial advice given has been first rate and I have had only compliments and thanks from the clients I have referred to you.

Finally, I would also like to say that it is an absolute pleasure to deal with you on a daily basis and together with Malcolm and everyone at The Orchard Practice, thank you for all of your hard work.

I look forward to continuing to grow our professional relationship and as you say at The Orchard Practice, “growing together”.

Many thanks again.

Benjamin Korklin, November 2014

Helpful, polite and quick to respond to our queries and changes in our circumstances. Josh was always happy to take the extra time to talk us clearly through our options.

Adam Pentelow & Regine Lee, October 2014

Very satisfied with your services!

Leonard & Mirela Barbulescu, October 2014

Outstanding people and service = outstanding quality. Happy and confident to highly recommend, all the time and every time.

Shane & Libby Baptista, October 2014

What can I say, wonderful.

J Loannou, September 2014

As usual, a friendly and professional approach by all the O.P. team, along with firm advice along the way.

Mr & Dr Morris, September 2014

Tigerish is not a word normally associate with mild-mannered Malcolm Isaacs, but when the proposed lender managed to mess up my agreed remortgage , in a manner which can only be described as right royally, Malcolm rode to the rescue, savaged the representative of the mortgagee and renegotiated the entire deal to my entire satisfaction.

L Knight, September 2014

There are many things in life that have great importance like health insurance, pension, life insurance and financial planning but generally it always gets pushed to the back of the priority list.

So I finally took the plunge and met with you to take my first steps in setting up a pension for myself. You were able to explain all my options in laymen’s language and even did a simple but effective questionnaire to see my risk factor towards investing my money. I was amazed at how quick the process took and felt very much at ease knowing my finances and future were being looked after.

I would like to thank you for your efficient service and guiding me through my first steps in planning my future. Now time to sort out my ISA

Harri Dhokia, August 2014

Hello Shane. Just a quick email to say thank you Shane for introducing me to Joshua from Orchard Practice. Although I live in Coventry on your strong recommendation I travelled to visit Josh and it was very worthwhile.

Josh was excellent at explaining options and giving his advice on my investments and future planning. I am now feeling more confident now these decisions are in place.

Thank you Shane for the excellent recommendation, much appreciated.

All the best

Sant Salotra, July 2014

Buying a house can be one of the most stressful things you do but thanks to Josh’s help and advice one of the key factors (namely can we afford this!) was considerably easier than it might have otherwise been.

Acting quickly was crucial to our offer being accepted and we were able to do so because Josh was always on hand, quick to reply and generally keep us informed with regular progress updates – as soon as he knew, we knew. His advice was extremely useful and allowed us to operate with confidence.

We were selling our place at the same time – with so many different things to deal with simultaneously it was comforting to know that our mortgage and related cover with Josh was not a worry!

Dov & Adina Birnbaum, July 2014

I would like to take this opportunity to say thank you to Josh for spending countless hours reviewing my financial status. He advised me whats best and how to grow my finances to its fullest potential for mine and my wifes future.

Josh and the soldiers at The Orchard Practice are truly masters of their profession. Josh called me and my wife over to their lovely office where he took his time to gather all the information needed. He sat us down and explained clearly and most importantly something we could relate to and understand whats going on with my finances.

Thanks to Josh and his professionalism I walked away confident and extremely happy with the services that he provided and in turn I will always highly recommend Josh from The Orchard Practice for anyone in need of financial advice.

Shane Baptista, June 2014

Thank you for all your help with securing my future. You took great care and asked me many questions to ensure the chosen route will be the right one for me. The product you offered is flexible and transparent so even I could understand where my money goes and what my gain will be.

I will not hesitate to recommend you to all my friends and family. I look forwards to us growing together.

Kind regards.

Ahikam Shai-Williams, May 2014

I would just like to big thank you for the recent business you undertook relating to my own pensions and investments.

Not only did I find you to be extremely professional and efficient, you came across as very approachable and caring which is so vital with matters of trust and importance.

I have thoroughly enjoyed our meetings to date at The Orchard Practice and I look forward to the first of many annual reviews and see the dividends of your conscientious hard work and impartial advice turn into fruition.

Anonymous, May 2014

Josh and The Orchard Practice were wonderful throughout the whole process of finding our mortgage.
My wife and I were looking for our first mortgage and Josh helped us from the beginning right until completion and even after. He was professional and friendly throughout and really helped us understand everything before we signed.

Josh took the time to find out about me and my wife and our personal situation and he was always open to hearing our thoughts and answering our calls if we ever had any questions.

I am grateful to him and The Orchard Practice for helping get us on the property ladder and I would (and have) recommend him to anyone looking for help finding a mortgage.

We couldn’t have been in the position we are today without the help of Josh and The Orchard Practice.’

Josh & Michelle Pomerance, April 2014

Our thanks to Josh at The Orchard Practice for guiding us through the very stressful mortgage application process and securing us a far better rate than we found elsewhere.
He made the process straightforward and clear, keeping us up to date at all times. The time you spent with us to understand our position made us feel comfortable that we were getting the best deal for our financial situation. It was that personal touch that we got from Josh that you don’t get elsewhere.

Knowing we had Josh handling our application meant we could spend more effort on other time consuming factors when buying our home and we would highly recommend him for mortgage advice as well as all aspects of financial planning.

Lord and Lady Minsky, April 2014

Many thanks for all your help and hard work in organising our mortgage for us.

We know you’ve gone above and beyond the call of duty at times and we all massively appreciate it. It’s clear you care. You’re always welcome to pop in to see us.

Now we’ll have to find a few new excuses to use your office as a playroom.

Thanks again

Anonymous, March 2014

Thanks Joshua and The Orchard practice for renegotiating my mortgage and getting me out of a pickle that was causing me some distress and worry.
Not only did you resolve the issue with my borrowings you have actually managed to cut my monthly payments by 30 percent.

You kept me informed throughout via email phone or text and you were quick to understand the predicament , and pro-actively came up with a solution which was above and beyond what I was expecting.

A highly recommended service to anyone reading and look forward to working with you guys in a few years time. No doubt you will be in contact with me before I even realise it’s time to re mortgage again. A happy customer.

Anonymous, February 2014

Thanks Joshua and The Orchard practice for renegotiating my mortgage and getting me out of a pickle that was causing me some distress and worry.
Not only did you resolve the issue with my borrowings you have actually managed to cut my monthly payments by 30 percent.

You kept me informed throughout via email phone or text and you were quick to understand the predicament , and pro-actively came up with a solution which was above and beyond what I was expecting.

A highly recommended service to anyone reading and look forward to working with you guys in a few years time. No doubt you will be in contact with me before I even realise it’s time to re mortgage again. A happy customer.

Anonymous, February 2014

On behalf of myself and the family I wanted to say a very big thank you to Josh for organising our new mortgage.
Our previous mortgage was running out so my wife & I met with Josh to discuss our options. As we had just had a baby & my wife was on maternity leave, this meant our options had been reduced.

After finding the best deal for us, Josh put in the application with the lender which had to be submitted before close of play that day as the rates where going up the following day. The lender said that the application was late but Josh challenged them and after a number of weeks won the battle.

This tenacity and strength is what makes The Orchard practice such an incredible firm & gives you full belief that they not only know their respective industry inside & out, but also truly care about their clients well being.

I look forward to working with Josh & the team again and can’t recommend them highly enough

I would have no hesitation in recommending The Orchard Practice for your financial needs.

Richard Peters, January 2014

I know nothing of financial matters and would be completely lost without someone like Josh guiding and advising me. Josh asked lots of questions and took the time to learn about my situation, then suggested how to move forward and make the most. Knowing that Josh and the Orchard Practice are just a phone call away makes things much easier, plus they explain things in a way that even I can understand! I simply could not have asked for a better financial adviser.
I would have no hesitation in recommending The Orchard Practice for your financial needs.

Bhavik Haria, January 2014

Just a quick note to thank you for guiding us through the pensions and investments options now I have reached the point of retirement. I appreciate your advice and feel you have made the process much easier to understand. Your investment knowledge and continued advice will I am sure protect our ongoing investments.

Gerald Wells, January 2014

Thank you for introducing us to Malcolm for mortgage advice. We were very happy with the service Malcolm provided, Malcolm travelled to Coventry outside of working hours to accommodate the time we were all available. He had dedicated the whole evening to us and did not make us feel rushed and pressurized to make decisions but instead took his time to see all of us.
Malcolm was able to offer independent mortgage advice and really listened to the requirements and what each client’s needs were. It was really clear that Malcolm cares about his clients and gives them the best possible advice. He explains the mortgage terms very clearly which gives the customer great confidence in what they are doing.

The terms and conditions are very clear so you really get the full picture and valuable general advice.

We would have no hesitation in recommending Malcolm to others.

Masih, Salotra and Devi family, December 2013

We would like to thank you and your office for your help in finding the most suitable mortgage for our new home and preparing all the necessary for our purchase to go smoothly.

You have assessed our circumstances, found the best deal available and we were very happy that we didn’t go with a mortgage from a bank as originally planned.

You also recommended additional products and throughout the whole stressful process we knew you were there for us along the way to answer any questions.

We were very pleased with your service and will not hesitate to recommend you to our friends.

Peter and Janka Gonsor, December 2013

I have been working with Orchard Practice since July 2013 following on from a recommendation. Since that time I have found Josh and his team to be very professional offering the most soundest of advice to suit my own personal needs. This level of service has been conducted in a very client friendly manner as has the ‘after care’ service too. I would have absolutely no hesitation in recommending Orchard Practise to family and friends alike.

Stuart Levy, November 2013

I don’t have words to tell how lucky I feel to have met Joshua. He is not only an exquisite professional but he is also very friendly and supportive, always there to help, guide, answer questions and put an end to your worries.
I would give him an award for Excellence in Customer Service but he has provided more than just customer service , he treated me like a friend and that has made me feel really looked after and gained my trust and lately my gratitude. He works very hard to meet all his client’s needs and he really cares about people.

If we could only meet people like him !”

Mirela Barbulescu, November 2013

Joshua is a first class professional and has been extremely helpful to our family in terms of assistance with Mortgages and other financial affairs.
We have been very well supported by The Orchard Practice for many years now, and Malcolm Isaacs has always been most helpful, however Josh is a great addition to the team and is really on the ball, his monthly financial newsletters are of great value.

Good work at a time when so many people are questioning the integrity of their financial advisers! — look no further!.”

David Roberts, November 2013

Josh is extremely knowledgeable and approachable when it comes to our financial needs. He is always on the end of the phone to answer queries no matter how trivial. Would highly recommend him and The Orchard Practice.

Marc & Danielle Shoffman, October 2013

Just a short note to say ‘thank you’ for your time and expertise recently when I came to you for help in setting up my pension. You took the time to understand my needs and based on that gave me expert advice on what my options were when it came to my financial planning.

I am very grateful for your help and I look forward to a long and profitable relationship with The Orchard Practice.

Thank you again!

Suraj Sodha, September 2013

I want to take this opportunity to share my thanks for the outstanding service received from the Orchard Practice. Malcolm has been truly amazing.

My case was complex with few options and not a straightforward mortgage or investment situation and could have been very stressful. Malcolm kept the stress away and sorted out my circumstances without worrying me. He called to update me but not to raise concern.

His professionalism and knowledge is second to none. He is also a wonderful lovely man. I am very close to moving into my new home thanks to Malcolm.

Everyone should have the Orchard Practice in their lives.

Thank you again Malcolm.

Jennie Wyatt, September 2013

I am very happy to provide this testimonial for Malcolm who helped my elderly father with a problem with his mortgage which was making him anxious. Coincidentally, some 10 years ago Malcolm obtained a mortgage for my father at a fixed rate. That fixed rate was now ending and Santander wrote to my father advising that the mortgage will cost him an extra £200 per month.

Malcolm made one telephone call to Santander and asked them if my father could buy a fixed rate deal to reduce the mortgage. Santander offered such a deal which my father accepted and which resulted in him paying £200 less than he had been paying under the previous fixed rate.

It may appear that Malcolm did not have to do very much in this instance but the point is he knew what to do and how to do it and dealt with it quickly and effectively and did not charge for his service.

David Jason, August 2013

I always look forward to my regular meeting with Josh, whether we’re discussing my family’s personal savings, pension, mortgage or protection, I know that he has my best interests at heart. Josh has a friendly and easy going demeanour which instantly puts you at ease. His ability to form an instant rapport with you and take a genuine interest in your financial planning and future security makes doing business a pleasure. You always know whatever challenge you put before him he will take up with zest and verve, returning with the best possible outcome. I look forward to continue to build and refine my family’s finances with him in the years to come.

Josh May, May 2013

I want to thank you very much for all the help you have given me over this rather stressful period. I had despaired of ever getting a mortgage particularly when I delt with an uninterested advisor before being advised to talk to you. You told me that I had had a bad experience and that you were going to make this a good experience – and you did. You dealt with all the headaches, and calmly rang me from time to time to tell me the progress – all the time keeping me cheerful with your lovely sense of humour. Now I have my little house which I am so in love with, and I am so grateful to you for your kind and efficient help – both so important.

I am sure we shall stay in touch regarding other things like wills, re-mortgaging etc.

Jo Dunbar, May 2013

Josh was very professional and knowledgeable when we reviewed our insurance policies. Having little knowledge about insurance policies and what we needed, he found us the best deals and told us which policies were right for us rather than just trying to sell us every one. Thanks Josh!

Gemma Roskin, April 2013

Josh was professional, clearly knowledgeable and friendly. He offered great advice and options and was able to save me money. He listened carefully to what I wanted and he delivered to his word. I would definitely recommend him, and The Orchard Practice, to anyone

Jonny Pearl, April 2013

Josh has provided helpful advice and found suitable products for us. He understood our requirements, is a good listener and is very approachable. We will be happy to use his services again.

Scott & Lauren Firestone, April 2013

Josh provides a 100% hassle free service! He is quick, efficient, detailed and thorough ensuring the best advice was given to me when purchasing a home.

Lloyd Kafton, April 2013

Malcolm came to see us about a mortgage.

During the second meeting he noticed that I was anxious about the sums involved and he asked why I was feeling uneasy. I explained that I had been seriously ill and I was upset that I had not been paid out by my three critical illness policies and if I had it would have made the mortgage less of a stretch for us.

Malcolm took up the gauntlet; he tirelessly worked till he managed to get me payment from all three different insurance companies. He did this without charge even though it took some six months to resolve. Moving was made easy as Malcolm took the financial burden away.

He always acts professionally, is a pleasure to meet and is very dedicated. I have no hesitation in recommending him as I have done already to friends and family.

R&N K, February 2013

Malcolm has been a godsend.

Five years ago Malcolm found the best mortgage for our holiday home rental as well as for our personal mortgage. Our situation was not straightforward and we didnt think there was a lender willing to give us the mortgages we needed. Malcolm assessed our needs and situation. He found the right product and lenders for us who offered us what we needed.

Last year we asked him to arrange a further loan . We are both self employed and our mortgages are interest only. A difficult order to work with. Eventually after 7 months of tirelessly working and refusing to give up, ( I believe any other financial advisor would have). Malcolm managed to find a suitable solution with an interest only further loan which at most times seemed an impossible goal.

I can recommend Malcolm for his professionalism, experience and knowledge – he is also a genuine and lovely person!

L& N R, February 2013

Joshua identified and produced a detailed finance plan for the purchase of our house, the whole process was smooth and without issue.

Andrew Kittredge, November 2012

Joshua listened carefully to our requirements and concerns, and provided sound advice that was appropriate for our individual situation. This was exactly what we needed, and we would happily recommend him, and the Orchard Practice, to our friends and family.

O&J Ingram, October 2012

Josh has been proactive and professional whilst acting as our Financial Adviser. He was always available to speak whenever we had a question, and ensured we got the right deal for us. I would highly recommend him and would no hesitation in using his services again.

M Goldstein & C Hartstone, October 2012

I turned to Joshua on a number of occasions when I needed in-depth knowledge of the marketplace and sound financial advice. He is extremely dependable and is able to tailor his knowledge of financial products to your individual situation. The results are always exactly what I was seeking, utilising reputable providers but remaining good value. I cannot recommend his services across the board highly enough.

Adam Lobatto, August 2012

Josh did some work for us in regards to savings and ISA planning. Provided personable and sound advice and happy to work with him in the future and also to recommend to my clients.

Joshua Finn, August 2012

Having known Josh for a number of years, I did not have to think twice before approaching him for help making sure my financial plans for the future were in order.

He has provided sound advice, whilst making sure he understood the needs of my family. He is everything you need from a financial advisor to put your mind at ease and make sure your families financial security is covered.

Marc C, August 2012

Joshua has provided me with excellent advice and great recommendations, I would certainly point others seeking good financial advice to Joshua (and already have).

Adrian Fisher, August 2012

I have used Josh’s services and have found him to be highly effective in understanding our needs and findinthe appropriate solution. He is reliable, professional and honest. It has been a pleasure dealing with him.

Toby Goodman, April 2012

Joshua provided me with advice that enabled me to reduce the cost of my mortgage repayments. He clearly is an expert in his field and I felt very comfortable in working with him. I would recommend anyone looking for financial advice to speak with Joshua.

Paul Hopkinson, March 2012

Joshua has been very helpful with the financial services he has provided. He is very efficient and explains things in a clear manner.

Richard Levy, March 2012

Josh did an amazing job when advising myself and my wife on purchasing a house and managed to get us a great mortgage plan and life insurance cover. He was a pleasure to work with and I would highly recommend him to anyone looking to buy a house or in need of financial advice.

Ben Mitchell, March 2012

Joshua Gerstler provided us with an excellent service, and saved us a great deal of money. First, he found us a very good life insurance product, and helped us apply for it. His advice was clear and to the point. We were very satisfied. He then offered to try to find us a better mortgage deal. We had previously been advised to stick with the mortgage we had, but we asked Joshua for a second opinion. Joshua quickly found us an astonishingly good product. We were delighted. Joshua has saved us a remarkable amount of money on our mortgage, and gave us very good advice about life insurance, mortgages, and about our finances more generally. I would strongly recommend him.

Laurie Scher, January 2012

I am truly grateful for the excellent service Joshua provided us. Joshua is extremely professional, diligent and personable in the way he carries out his work. I would not hesitate in providing a positive recommendation for Joshua

Jeremy van den Bergh, Jeremy 2012

Very knowledgeable and flexible to your needs, Josh works with you to help identify products to best suit your requirements. He made himself available at times to suit and was discrete throughout. Would recommend highly.

Dan Fox, December 2011

Josh provided a very personable service when I was buying my first property. He was knowledgable, trustworthy and hugely helpful during what could have been a very stressful process. He was always available to give advice and guide me in the right direction. I literally spoke to him every day over a period of 2 months. The purchase went extremely smoothly and I am 100% happy that I went with The Orchard Practice. Josh was recommended to me by a colleague and I would highly recommended him to my friends, family and peers.

Sophie Ambridge, December 2011

Joshua has been my financial advisor for a while and I have always found him to be professional and extremely knowledgable of a whole raft of financial products on the market. If you are looking for advice on your pension, mortgage or anything else – Joshua is your man!

Daniel Minsky, December 2011

Joshua was able to provide me with the right advice and product when I began to look into an insurance product. He is very personable and gives straight forward advice.

Gary Green, December 2011

Discreet, knowledgeable and hard working. Couldn’t recommend highly enough

Alan Glenville, December 2011