Joshua Gerstler

What were the circumstances that caused you to initially look for an adviser?

Financial planning, savings and mortgage advice

How has Joshua Gerstler helped you?

Provided responsive, measured and insightful advice on all our financial planning decisions

Have you seen the outcome you were hoping for?

Absolutely, all advice has led to us feeling more confident about our financial choices

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

To help organise my pension

How has Joshua Gerstler helped you?

Really helped me to organise my funds

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

I wanted to make sure my money was working for me in the background, gaining interest etc.

How has Joshua Gerstler helped you?

He has helped me to create an investment portfolio

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

What were the circumstances that caused you to initially look for an adviser?

Ongoing financial advice

How has Joshua Gerstler helped you?

Joshua has provided brilliant advice regarding retirement

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

Me and my girlfriend were purchasing a property as first time buyers and needed help to find a mortgage.

How has Joshua Gerstler helped you?

Josh helped us through the application processes for the mortgage, finding us the best deal for our circumstances. Once everything had been approved, Josh then talked us through protection, to ensure we had suitable cover should anything happen.

Have you seen the outcome you were hoping for?

Yes, we were able to get a mortgage to purchase our home, and we now also have sufficient cover in place should anything happen.

What could they have done better?

Nothing, we were happy with the help from start to finish. It was made very easy, with regular updates throughout the whole process.

What were the circumstances that caused you to initially look for an adviser?

Securing financial stability

How has Joshua Gerstler helped you?

Joshua has been valuable in helping secure my financial future

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

What were the circumstances that caused you to initially look for an adviser?

We got an unsolicited call from Joshua to sell us his remortgaging service.

How has Joshua Gerstler helped you?

He has not helped, just caused problems.

Have you seen the outcome you were hoping for?

No

What could they have done better?

Being honest and don't lie to us.

What were the circumstances that caused you to initially look for an adviser?

Remortgage

How has Joshua Gerstler helped you?

I’ve dealt with several brokers but the Orchard practice stood out to me due to their personal touch and clear communication. Josh and Chaya were really good at finding us a good deal and they were always available to answer our questions and communicate effectively which you don’t get with a lot of brokers. I would definitely recommend the Orchard practice.

Have you seen the outcome you were hoping for?

Yes I have

What could they have done better?

No

What were the circumstances that caused you to initially look for an adviser?

Remortgage

How has Joshua Gerstler helped you?

The Orchard Practice provided a cool and calm approach to my remortgage, saving us hundreds of pounds in monthly repayments. Their staff helped ensure we were prepared and in the best position and were patient with our persistent questions and concerns. Would highly recommend

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

My parents needed help to remortgage.

How has Joshua Gerstler helped you?

I have nothing but praise for Joshua and his team for being able to help my parents with their remortgage application. They truly made us feel well taken care of during the entire process of this application. A massive thank you to Chaya Warner for going that extra mile just to make sure we get the best possible rates for our offer as well as being prompt with replies to all of our queries. Overall, this is a company you can trust! My family and I highly recommend them and will definitely use their service in the future!

Have you seen the outcome you were hoping for?

Yes. Joshua and his team definitely did more than what was asked for. We cannot recommend them enough.

What could they have done better?

I could not think of anything they could have done better as they have dealt with our situation exceptionally well.

What were the circumstances that caused you to initially look for an adviser?

My mortgage rate was coming to an end and I had some debt that I also wanted to consolidate.

How has Joshua Gerstler helped you?

He made the whole process really easy, and helped me to get my mortgage and consolidate my debt so it is easy to manage moving forward

Have you seen the outcome you were hoping for?

Yes, it has simplified everything for me moving forward.

What could they have done better?

We were happy with everything and have no suggestions for what could do be done better

What were the circumstances that caused you to initially look for an adviser?

Wanted the comfort of not worrying about my finances in later life

How has Joshua Gerstler helped you?

He explained everything clearly, professionally with great care and attention.

Have you seen the outcome you were hoping for?

Most definitely

What could they have done better?

Nothing, as the way they dealt with me personally was outstanding

What were the circumstances that caused you to initially look for an adviser?

We were in need of good mortgage advisor, who we can rely

How has Joshua Gerstler helped you?

We were really happy to be back to TOPFC this year! As always got a support as expected, excellent service and customer approach. We were very satisfied customers and since have been back, as well as recommending Joshua and his team to friends

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

We wanted to buy the house and we needed an adviser .

How has Joshua Gerstler helped you?

I know Joshua and his team for over 10 years now , the service provided is very professional and simply outstanding. It is always the pleasure to meet Josh and the team ! The entire process of getting the house remortgaged run always smooth! Big thanks to you Josh and his team for the hard work and providing such a positive experience. Looking forward to meet again !

Have you seen the outcome you were hoping for?

Every time we contact Josh and his team , myself and my husband are extremely pleased with the services they provide. They are working to the highest standards, always have their clients needs at heart .

What could they have done better?

Just continue to provide the same services!

What were the circumstances that caused you to initially look for an adviser?

Interested in using some of my pension pot to buy an annuity.

How has Joshua Gerstler helped you?

Very happy with the service provided by Joshua and Raj. They got me a great annuity quote and handled all the interactions with L&G who messed us about and had to be chased every step of the way.

Have you seen the outcome you were hoping for?

Yes. In fact got a bit lucky with the delays caused by L&G because interest rates went up improving the amount delivered by the annuity.

What could they have done better?

Everything went great from Josh's end. He and Raj from the Orchard Practice communicated regularly throughout the process.

What were the circumstances that caused you to initially look for an adviser?

Having no clue where to start on pensions, Josh and his team put me at Ease and sorted out my pensions and explained what is going to happen and kept me informed with an online portal

How has Joshua Gerstler helped you?

The Orchard Practice took over the Account, gave me good news, advice, service & information about my Personal Pension. They took over a lot of work that I couldn't have managed. Keeping me updated regularly with calls, emails & Personal meetings. Great to deal with.

Have you seen the outcome you were hoping for?

Most definitely

What could they have done better?

N/A

What were the circumstances that caused you to initially look for an adviser?

Both myself and my husband have used Josh and the Orchard Practice for many years, the advice Josh gives is practical and insightful - I trust Josh and his team so know the advice I am given is sensible and correct.

How has Joshua Gerstler helped you?

Josh and his team at the Orchard Practice have a wealth of knowledge, are extremely proactive and deal with any financial needs in a timely manner, I can highly recommend their services.

Have you seen the outcome you were hoping for?

Yes, always get a great outcome

What could they have done better?

Josh and his team work to an extremely high level and I am satisfied with their advice and financial help

What were the circumstances that caused you to initially look for an adviser?

mortgage advice

How has Joshua Gerstler helped you?

very responsive, helpful advice to enable us to plan our financial future

Have you seen the outcome you were hoping for?

it is a longer term investment

What were the circumstances that caused you to initially look for an adviser?

I had various pensions spread across a couple of companies. My works pension was withJoshuas company and it was performing well and I was being given good advice and more input than the other pensions I had

How has Joshua Gerstler helped you?

Positive: Professionalism, Responsiveness, Value

Have you seen the outcome you were hoping for?

I’m sure we would all welcome a better outcome. But as I prefer to be low risk it is what I would expect

What were the circumstances that caused you to initially look for an adviser?

I moved on from my previous one

How has Joshua Gerstler helped you?

Josh and team are proactive, attentive and considerate of all or financial needs. Definitely recommend them. He gives a calm reassurance and support.

Have you seen the outcome you were hoping for?

Yes - so far

What could they have done better?

Occasionally, I'd like comparison performance from other investment options.

What were the circumstances that caused you to initially look for an adviser?

I needed mortgage and pension advice.

How has Joshua Gerstler helped you?

I really trust the advice I get it is both friendly and professional. Josh is very approachable and easy to talk to. Above all Orchard Practise has integrity and will go the extra mike to ensure you have the right advice.

Have you seen the outcome you were hoping for?

Absolutely very pleased with the advice I have been given.

What could they have done better?

Nothing - I just wished I listened to the advice sooner regarding savings and pensions

What were the circumstances that caused you to initially look for an adviser?

We were at a stage of life which required more detail planning.

How has Joshua Gerstler helped you?

Excellent to work with, professional and knowledgeable.

Have you seen the outcome you were hoping for?

It is an ongoing process and signs are positive

What could they have done better?

NA

Please provide a brief comment about your experience with Joshua

Easy to talk to

What were the circumstances that caused you to initially look for an adviser?

First up a mortgage application and advice on my portfolio

How has Joshua Gerstler helped you?

I have been a client of the Orchard Practice for many years, and I cannot recommend them highly enough. They have always achieved the best interest rates on the market and did so with professionalism and a personal attention and care. They will always be at the end of the phone for a reassuring chat, explaining things thoroughly. I sincerely believe they have been invaluable in keeping me afloat throughout the difficult financial times of the past and present. A particular thank you to Josh: I will always be grateful for his support.

Have you seen the outcome you were hoping for?

Yes I have had mortgages and re-mortgages over the years, with the best interest rates . Called Joshua and the team when worried or unsure and I always have had a positive response and a lovely personal interaction.

What could they have done better?

I cannot really think of anything they could have done better.

What were the circumstances that caused you to initially look for an adviser?

To manage my dads money as his power of attorney

How has Joshua Gerstler helped you?

Helpful, friendly and professional Practice. Very welcoming, good & easy to understand advice and always available for any queries. Would highly recommend them.

Have you seen the outcome you were hoping for?

Yes. Am very happy with the help I received

What could they have done better?

I have no complaints

What were the circumstances that caused you to initially look for an adviser?

I am self employed and needed help starting a savings and pension account.

How has Joshua Gerstler helped you?

The orchard practice are a very friendly and helpful establishment, all Staff are very professional and are happy to help with any queries that I have. I would highly recommend them:)

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

Great expertise and support when buying a new property and remortgage another.

How has Joshua Gerstler helped you?

Wonderful expertise and support from a fully dedicated team. Thank you!

Have you seen the outcome you were hoping for?

All achieved on good time.

What were the circumstances that caused you to initially look for an adviser?

I am a buy-to-let property investor in the UK, with a growing portfolio in London. In turn, I have been actively seeking borrow money from mortgage lenders.

How has Joshua Gerstler helped you?

My company has been a client of Orchard Practice for 5 years now. Throughout this time, I have been extremely impressed with the competency, professionalism and responsiveness that the entire team at The Orchard Practice have demonstrated. I have always felt that they put their clients wishes at the forefront of their work, and as a result, they've provided me with some great mortgage deals for my property portfolio. I would highly recommend using them as a reliable and trusted broker.

Have you seen the outcome you were hoping for?

Absolutely, and more to be honest. Joshua Gerstler has always gone that extra mile to ensure that all of our targets are promptly met in a timely and efficient manner.

What were the circumstances that caused you to initially look for an adviser?

New home

How has Joshua Gerstler helped you?

Josh and Andy at The Orchard Practice have been helping us with our house move and mortgage application. They’ve both been incredibly helpful and very responsive, giving us peace of mind about our mortgage application. Andy has kept estate agents and solicitors up to date without our asking which has helped things move along on the purchase really quickly. They’re also on top of mortgage protection matters and have scheduled a call to review these. This is our third purchase with Josh and each time has been seamless. Overall a very positive experience and highly recommended.

Have you seen the outcome you were hoping for?

Yes we love our new house!

What were the circumstances that caused you to initially look for an adviser?

Mortgage renewal / new house

How has Joshua Gerstler helped you?

Excellent service as always from Josh & his team! Would highly recommend and will certainly use them again in the future.

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

Our existing mortgage had come to the end of its term we needed to remortgage.

How has Joshua Gerstler helped you?

Excellent professional financial advice. Respond quickly to every email and always returned phone messages. They researched the market thoroughly on our behalf ending with a great result to our mortgage request.

Have you seen the outcome you were hoping for?

Yes we are very happy and have already recommended friends

What could they have done better?

I don’t think so at all

What were the circumstances that caused you to initially look for an adviser?

Buying a new house

How has Joshua Gerstler helped you?

I've been dealing with Orchard Practice for over 5 years, however they've been part of our family for much much longer. They've always delivered on their promise which is to find the most affordable mortgage to suit your personal needs. I would highly recommend Orchard Practice for anyone looking for a professional service when seeking a mortgage.

Have you seen the outcome you were hoping for?

Yes we did

What could they have done better?

I was secured a low rate mortgage, so nothing else.

Please provide a brief comment about your experience with Joshua

Very professional and friendly

What were the circumstances that caused you to initially look for an adviser?

We were buying our first home

How has Joshua Gerstler helped you?

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.

Have you seen the outcome you were hoping for?

Yes, we were able to secure a mortgage. We also asked Josh and his team to provide their services for our insurance and protection.

What were the circumstances that caused you to initially look for an adviser?

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.

How has Joshua Gerstler helped you?

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.

Have you seen the outcome you were hoping for?

Definitely, we received our offer very quickly all thanks to Josh and the team.

What could they have done better?

Nothing at all, they exceeded any expectations we had.

What were the circumstances that caused you to initially look for an adviser?

I needed a financial advisor based in the South of England, as I moved from Manchester, where my Financial Advisor was based. It wasn't practical to stay with him due to the distance. I was recommended to Josh, when I met him 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.

How has Joshua Gerstler helped you?

Provided options to invest my money in, based on my risk appetite. The advise was really good and the planning, with follow up meetings are regular to review any financial planning. Josh is also available for ad hoc advise, when I was looking for mortgage advise and options. So he has the range of financial options available to cover a wide variety of scenarios.

Have you seen the outcome you were hoping for?

Yes, profits on the funds he advised to invest in are very impressive, far exceeding anything that could be gained through my own efforts.

What could they have done better?

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.

What were the circumstances that caused you to initially look for an adviser?

Needed to plan for my future.

How has Joshua Gerstler helped you?

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 you seen the outcome you were hoping for?

100% And More!

What were the circumstances that caused you to initially look for an adviser?

Retirement

How has Joshua Gerstler helped you?

Good financial advise, clearly explained, professional service with a personal and friendly approach.

Have you seen the outcome you were hoping for?

So far so good

What could they have done better?

Everything was as expected

What were the circumstances that caused you to initially look for an adviser?

Inheritance, better financial management

How has Joshua Gerstler helped you?

Josh and his team will look after you and your money in an honest and professional way. Financial management can be a minefield at the best of times, helped by professional guidance

Have you seen the outcome you were hoping for?

No not yet could be many years in the making

What could they have done better?

Better understanding extra charges for services.

What were the circumstances that caused you to initially look for an adviser?

Everyone needs a Pension.

How has Joshua Gerstler helped you?

Professionalism and Respectful and very Helpful.

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

Feel we needed expert advice from a financial adviser with experience for our mortgage options

How has Joshua Gerstler helped you?

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 - would definitely recommend and I will be using 'The Orchard Practice' again in the future.

Have you seen the outcome you were hoping for?

Yes the firm were very quick and responsive in helping me achieve the outcome I was hoping for

What were the circumstances that caused you to initially look for an adviser?

Investment Mortgages i.e. Buy To Let . Obviously then my home mortgage was also added. Gradually, Joshua also assisted with my Pension planning and some investments. Practically he offers all services very professionally and to my satisfaction with a nominal fee. I have personally recommended all my family and friends to get his advise and to the best of my knowledge at least 5 - 8 of them have used his services.

How has Joshua Gerstler helped you?

Good value for money.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Due to Covid, we don't get a chance to meet but in his industry a personal meeting makes a huge difference. However we did talk over a video call but that is not the same.

What were the circumstances that caused you to initially look for an adviser?

I was always too busy to commit to the amount of research needed to completely manage my savings without expert dedicated assistance. I was personally recommended to Malcolm Isaacs, the founder, who originally dealt with my affairs and handled everything with expert attention to detail even though, at that time, my investments were rather small. His expertise and advice complimented my hard work and together we built a substantial investment portfolio enough to fund a prosperous retirement Latterly Joshua has handled my account with the same level of service though his depth of knowledge and expertise seems even more impressive (sorry Malcolm)

How has Joshua Gerstler helped you?

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 I have been advised and assisted by them for over 35 years. As a self made businessman I have always tried to only employ the most effective professional advice. I selected Orchard from a personal recommendation, and I have never regretted appointing them. Their fees seem appear to be similar to others in their industry, but the performance is totally exceptional Whilst committing myself wholeheartedly to my own business I have always relied upon Orchard for efficient savings and pensions advice and management. I particularly appreciate the genuine personal service provided as I hate pressing combinations of buttons to get service only to end up talking to a stranger who knows nothing about me In a long active business career one makes some good decisions and some not so good decisions. In hindsight appointing Orchard turned out to be the most sensible financial decision I ever made.

Have you seen the outcome you were hoping for?

Absolutely

What were the circumstances that caused you to initially look for an adviser?

Our previous advisor retired and we were not comfortable with the company that took over his clients

How has Joshua Gerstler helped you?

Good sensible advice with a thorough overview of our investments

Have you seen the outcome you were hoping for?

So far all is well

What could they have done better?

At the moment we are happy with the advice

What were the circumstances that caused you to initially look for an adviser?

Initially I was introduced to Josh after being made redundant. I wanted to make my pensions were secure and would grow for the future.

How has Joshua Gerstler helped you?

He helped me invest and manage multiple pensions I had. He advised me how maximise the potential of my investments.

Have you seen the outcome you were hoping for?

With his advice and guidance, I was able to retire early and still have confidence that my finances were in good order.

What were the circumstances that caused you to initially look for an adviser?

Mortgage renewal

How has Joshua Gerstler helped you?

Josh and the team were incredibly helpful! They set out my options clearly and provided great advice. I really felt like they had my best interests at heart.

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

I wanted to open a private pension as my work pension wasnt enough

How has Joshua Gerstler helped you?

Friendly and helpful - nothing is too much trouble. I have confidence that they will manage my pension well. Josh and Ryan are really great. I would very happily recommend them!

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing - I am happy with the service I have been provided so far

What were the circumstances that caused you to initially look for an adviser?

Help with my pensions

How has Joshua Gerstler helped you?

From the start Josh and his team have been friendly, helpful and made me feel at ease. They have listened to me, got to know me and given me great advise on my pensions. They are always on the end of the phone to help if I have any concerns. I would highly recommend the Practice.

Have you seen the outcome you were hoping for?

I only did this at the beginning of the year, so it is too early to say

What could they have done better?

Home visits would be helpful

What were the circumstances that caused you to initially look for an adviser?

Help with my pensions

How has Joshua Gerstler helped you?

From the start Josh and his team have been friendly, helpful and made me feel at ease. They have listened to me, got to know me and given me great advise on my pensions. They are always at the end of the phone to help if I have any concerns. I would highly recommend the Practice.

Have you seen the outcome you were hoping for?

I only did this at the beginning of the year, so it is too early to say

What could they have done better?

Home visits would be helpful

What were the circumstances that caused you to initially look for an adviser?

I had a few different work pensions and wanted advise on what to do with them

How has Joshua Gerstler helped you?

From the start Josh and his team have been friendly, helpful and made me feel at ease. They have listened to me, got to know me and given me great advise on my pensions. They are always on the end of the phone to help if I have any concerns. I would highly recommend the Practice.

Have you seen the outcome you were hoping for?

Only transferred them a few months ago, so its early days

What could they have done better?

Sometimes home visits wicks be helpful (but obviously not at the moment)

What were the circumstances that caused you to initially look for an adviser?

Remortgage

How has Joshua Gerstler helped you?

Andy, Josh, Georgia and the team were a pleasure to deal with, found a mortgage to suit our circumstances perfectly. Friendly and always ready to get back to us with any questions we had. Highly highly recommended.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not much to be honest, took in our circumstances and ideal outcome then explained what we needed to. Not much more to improve on really.

What were the circumstances that caused you to initially look for an adviser?

I was after a mortgage broker to guide me through the process of applying for a mortgage on my first house.

How has Joshua Gerstler helped you?

Josh guided me and my fiance with the purchase of our house and while it was a daunting experience as first-time buyers, he helped allay any fears that we had. Josh was very professional throughout the process. He explained things in a clear and calm manner and I would certainly recommend him.

Have you seen the outcome you were hoping for?

Yes I have.

What could they have done better?

The only reservation I had was that at the beginning of the process my financial advisor could have chased Metro harder to progress the mortgage quicker as I was concerned at various points along the way they would fall through.

What were the circumstances that caused you to initially look for an adviser?

The fixed term on my mortgage was expiring and I wanted to sort a new deal

How has Joshua Gerstler helped you?

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

Have you seen the outcome you were hoping for?

Yes, absolutely. Josh saved me money on my mortgage and made the process painless

What could they have done better?

Not a lot to be honest, everything was very efficient and Josh and his staff kept me up to date regularly which is important

What were the circumstances that caused you to initially look for an adviser?

finding competitive fixed term mortgages for a buy-to-let property

How has Joshua Gerstler helped you?

by supporting decision making on proposed options according to set requirements and supporting implementation thoughout the process until delivery of positive result

Have you seen the outcome you were hoping for?

we received the requested mortgage amount at the most advantageous rate

What could they have done better?

Perfection can not be improved upon

What were the circumstances that caused you to initially look for an adviser?

Looking for ever more competitive lenders for a buy-to-let mortgage with a fixed term. Being supported throughout the process by an attentive, responsive and pleasant team of advisers headed by Josh Gerstler made the matters easy but professionally sound.

How has Joshua Gerstler helped you?

As in the previous years The Orchard Practice Team headed by Joshua Gerstler was most helpful in arranging a particularly competitive re-mortgaging scheme and assisted all the way to overcome clerical errors produced by other participating companies. No hesitation whatsoever to highly recommend this outstanding personalized service . Michael May

Have you seen the outcome you were hoping for?

Yes, all done to my fullest satisfaction and even my wife has not find a single reason to complain.

What could they have done better?

In this particular case perfection could not be improved upon!

What were the circumstances that caused you to initially look for an adviser?

Remortgage

How has Joshua Gerstler helped you?

From start to finish, Josh and his team were on top of everything and were only too happy to go the extra mile to sort out any bumps along the way. A 1st class/5 star service

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing as he was always there for me