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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

Dear Josh,

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.

Suraj Sodha, September 2013
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!

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.

David Jason, August 2013

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.

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

Dear Malcolm,

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