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

Those arranging a mortgage

We know that securing a mortgage can be stressful but we’re here to take as much of the weight from your shoulders as possible. In fact, we’re multiple award-winners, recognised for our outstanding service and advice in this area. Our team are highly qualified in advanced mortgage advice, ensuring you get the best advice.

First time buyers and home movers

Whether it’s your first step on the property ladder or you’re looking for a forever home where you can put down roots, moving home is an exciting time. But buying that property may also be the largest financial investment you will ever make.

We have plenty of experience when it comes to helping clients secure some of the most advantageous mortgages, best suited to their need and financial goals. We’re here to help you work out what’s right for you, secure the mortgage you need to make your dreams a reality. And just as importantly, we’ll be on hand, every step of the way on your journey, to answer your questions and advise you.


Remortgaging may save you money and is probably a lot easier than you think. If the deal on your current mortgage is coming to an end, or if your home has risen in value and you are looking to release some equity, The Orchard Practice can help. Changing your mortgage can be a beneficial way of reducing your monthly outgoings or borrowing larger sums of money by remortgaging on a lower interest rate.

Whether you want to refinance to borrow more, borrow less or re-balance your portfolio, we can help you achieve your goals in the most cost-effective way.

Investing in property

Being a landlord, whether it’s of one property or a portfolio of properties, can be a full-time job. We understand the need to make the finance as simple as possible for you. Buying a property to let is different from buying your own home however it can be just as stressful without experience and advice.

If you’re looking to invest in property, our significant expertise in this area will mean you gain from our technical knowledge and experience of how to get the right mortgage product to suit your needs.

Equity release

Or perhaps you are considering equity release as a way of raising money to fund your plans. Your home is likely to be your biggest asset and releasing capital tied up in it can be one way to afford the things you want in life. But you will need to feel sure you’re taking the right decision as there are some big, long-lasting implications that must be considered with a lifetime mortgage. We will help you fully explore your options and place them in the context of your long-term objectives, helping you to make a decision with confidence that it is the right thing for you.

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: As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

Commercial mortgages and some buy-to-let mortgages are not regulated by the Financial Conduct Authority.

Our awards

Moneyfacts – Protection Adviser of the Year 2022 – Shortlisted
Moneyfacts – Tax and Estate Planner of the Year 2022 – Shortlisted
Money Marketing Awards - Best Protection Advice Firm 2022 - Shortlisted
Health & Protection Awards 2022 - Best High Net Worth Client Advice Firm - Finalist
Health & Protection Awards 2022 - Best Individual Protection Advice Firm - Finalist
Health & Protection Awards 2022 - Best Protection Adviser - Finalist
Health & Protection Awards 2022 - Best Small Protection Advice Firm - Finalist
Professional Adviser New Talent Awards Administrator of the Year 2020 – Finalists
Boring Money - 2021 Highly Commended
Family Wealth Report – Family Business of the Year 2021 – Finalist
Moneyfacts – Tax and Estate Planner of the Year 2021 – Finalists
Moneyfacts – Protection Adviser of the Year 2021 – Finalists
Moneyfacts – Tax and Estate Planner of the Year 2020 – Shortlisted
Moneyfacts – Tax and Estate Planner of the Year 2019 – Commended
Moneyfacts – Protection Adviser of the Year 2019 – Shortlisted
MoneyAge – Equity Release Broker of the Year 2021 – Shortlisted
MoneyAge The Mortgage Awards 2021 – Best Buy-to-Let Broker
MoneyAge – Small Broker of the Year (Southern Regions) 2021 – Shortlisted
MoneyAge – Best New Homes Broker of the Year 2021 – Shortlisted
MoneyAge – Overall Broker of the Year (Southern Regions) 2021 – Shortlisted
MoneyAge – Micro Firm of the Year 2020 – Shortlisted
MoneyAge – Micro Wealth Management Firm of the Year 2020 – Shortlisted
MoneyAge – Wealth Management Firm of the Year 2019 – Shortlisted
MoneyAge – Mortgage Adviser or Mortgage Broker of the Year 2019 – Shortlisted
MoneyAge – Micro Firm of the Year 2019 – Shortlisted
MoneyAge – Best Mortgage Adviser 2019 – Shortlisted
VouchedFor Top Rated Adviser 2021
VouchedFor Top Rated Adviser 2020
VouchedFor Top Rated Adviser 2019

Clients tell us...

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

When I met Josh at the first meeting I was impressed with the level of detail he went into, modelling from information I had provided and then making the output simple to understand in both graph form and numbers format. I have not come across anything that could be done better. Josh is on the button with regard to planning ahead and keeping abreast of my funds. Profits on the funds he advised to invest in are very impressive, far exceeding anything that could be gained through my own efforts.

Sam, July 2021

I have recently retired with a very substantial pension fund accumulated following the assistance advice of The Orchard Practice. After lockdown, the stock market fell off a cliff and I braced myself for some serious losses on my pension funds. Instead, my funds increased whilst remaining in solid and sound investments! Normally, I never give testimonials, but I feel The Orchard Practice deserve recognition for the dedicated service they have given me for over 35 years.

A, Middlesex, January 2021

Josh and his team were knowledgable, understanding and super helpful for me and my entire family. I wouldn't trust anyone else to look after our financial interests. Have we seen the outcome you were hoping for? 100% And more!

D, June 2021

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

Sanjay and Sukh, October 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

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

Exceptional service was provided by Josh, Andy and Georgia throughout the whole process from start to finish. They would always be ready to answer any questions I had with very prompt replies. I would definitely recommend and I will be using The Orchard Practice again in the future.

C, London, February 2021

We were looking at purchasing our first home and needed a mortgage broker to find us the best deal and apply for help to buy. Josh explained the process from start to finish clearly and answered any questions we had. He then found us the best deal and secured us a mortgage offer for our first home, keeping us updated throughout the process. We received our offer very quickly all thanks to Josh and the team. They exceeded our expectations.

Client, Kent, October 2021

Joshua was very kind with his time. As first time buyers we were extremely nervous about the process. Both Joshua and his team reassured us every step of the of the way. Each meeting was well thought out and we will now be moving into our first home in the coming weeks.

Client, London, October 2021

How we work

Our approach is all about getting to know you, what’s important to you and building the strategies that make it as easy as possible for you to achieve your financial aims and your lifestyle goals.

Find out more