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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

Dear Josh,

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

Dear Josh,
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

Dear Joshua Gerstler,
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

Dear Uncle Malcolm,
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 in [Removed].

Now we’ll have to find a few new excuses to use your office as a playroom for [Removed!

Thanks again

Anonymous, March 2014

hanks 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

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

Hi Josh
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

Dear Josh,
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