Meet the Team

Mission Statement - Our Vision for You

Our unwavering dedication to integrity, honesty and ethics is the foundation of all of our relationships. Our Mission is to provide you with the best solution for all your mortgage and protection needs with professionalism and integrity.

Avron Nourse

Director &  Senior Protection & Mortgage Specialist

Julie Wilson

Director &  Senior Mortgage Specialist

Jacques Chery

Mortgage & Protection Specialist

Tanya Kloppers

Senior Mortgage & Protection Specialist

Lee Freer

Mortgage and Protection Specialist

Paul Patel

Senior Mortgage Adviser

Megan Davies

Mortgage & Protection Support

Chris Dobson

Head of Protection Administration

Gary Green

Mortgage & Protection Specialist

Ashley Fredericks

Protection, Wills and Estate Planning Specialist

Charlotte Osgerby

Mortgage Adviser

Emma Hughes

Admin Staff


Thank you so much for your help with the mortgage – very professional, knowledgeable & friendly.

Mr & Mrs Meissel

“Thank you again to CMS for professional advice and guidance. Avron helped and advised us when we wanted to re-write our wills, with great patience and understanding. The whole business of dealing with anyone at CMS is a huge pleasure – they are unique – and we would certainly recommend their services without hesitation.”

Maggie & Mike

“Thank you to everyone at CMS, you have all been very helpful and friendly, Avron especially has gone to great lengths to help us, we will certainly recommend you to anyone needing mortgage services.”

Laura & Stuart

“Julie and her team worked tirelessly to help me through my finances following separating from my husband. Julie found the correct mortgage to enable me to stay in my family home with my children. Without the support and advice from Julie I would have given up and sold my home and I would not be in the situation that I am in now. I cannot thank her enough. The service provided by CMS is outstanding. I highly recommend them for their honest and caring approach.”

Ms Chester, Carterton

“We are VERY happy in our new home and wish to convey our thanks yet again for the advice, expertise and hand-holding given to Mike and I throughout the whole process. I have already recommended yourself and CMS in general to many friends and to our family. Thank you again.”

 Maggie & Mike

“I have life insurance and home insurance in place thank you . I have always had a good service from yourselves, and would recommend Julie as a mortgage adviser to anyone. Thanks again for all your help.”

 Brian Summerfield

“Julie has been my mortgage broker, the past 13 years. She always sources the mortgage with the best possible terms, suited to my needs at that time. Always professional, always caring, and always making the process as seamless as possible. That’s why I go back to her year after year.”

 Ms Naraine

Avron Nourse

Avron is a director of Cotswold Mortgage Solutions with over 20 years financial services experience. Currently, he manages the team together with advising clients. His specialist areas are mortgages, mortgage protection, income protection, family protection and private medical insurance.

For most of us, our largest asset will be our home and our family members are the most important people in the world. I make it a priority during our client meetings and discussions, to not just explore all your mortgage options but also the most appropriate financial protection plans for your personal circumstances.

My aim is to always deliver top quality advice and excellent customer service with a professional and friendly approach.

What is your favourite film?
Wall Street(1987)

If you won the lottery what would be your first purchase?
Bugatti Veyron 16.4

Have you got any tattoos, how many, what are they and why?
1 Tattoo – a British Bulldog – I had it done the day I became a British citizen.

Julie Wilson

Julie is director of Cotswold Mortgage Solutions, managing the team as well as being an adviser in all aspects of mortgages, including Equity Release, Buy to Let, Shared Ownership and Help to Buy. Over the years, Julie has built a strong relationship with accountants, solicitors, surveyors and estate agents throughout the country to offer her clients a seamless service. 

I pride myself on offering a personal service to all of my clients ensuring that the minefield of the complex mortgage world is on my shoulders and not theirs. All areas are covered but with your best interest at heart.

The mortgage world is always changing and I have recently obtained a higher qualification in mortgages which I feel offers my clients a wider angle and have been able to help with the more complex mortgage matters. I am also qualified in Equity Release which means I have a wide range of options available for my clients.

I’ve always referred to myself as, ‘The One Stop Shop’ so why go elsewhere when I will hold your hand the whole way through. 

What song would get you up on the dance floor?
Well that should read, what song would make me sit down, that would be easier but if I had to pick a song it would be Michael Jackson, Billie Jean as soon as the intro starts there’s no stopping me.

What’s your guilty pleasure?
Lulu Guinness handbags

If you weren’t here where would you be?
Somewhere warm on a sunbed reading a good thriller!

Megan Davies

I have worked in a number of opportunities in my working career. I started off in a travel agency which I really enjoyed but with internet bookings becoming easily available I decided to make a change and moved into retail where I stayed for the next 7 years, after which I went on to become an administrator at a PR agency where I found I could put my organisation skills to good use. Having known Julie for over 15 years when I saw the job vacancy at CMS I jumped at the chance to work with her & the team and am looking forward to learning more about the mortgage and protection side of things.

Beyond office life, I have been enduring home & garden renovations and enjoy the occasional Netflix binge. 

Which celebrity would I most like to go to dinner with?
Maggie Smith, I thinks she’s absolutely brilliant.

If I could be invisible for a day what I do?
I would follow the cast of Game of Thrones around so I could find out the ending!

If I could be on any TV programme what would it be and why?
Goggle-box as I’m always shouting at the telly.

Chris Dobson

Having been in the customer service industry since I left school in 2001 I have worked within various organisations of different sizes including retail, charity, marketing and telecom’s.

I have acquired vast knowledge of customer service across all areas of these organisations and understand the important of transparency, efficiency and customer service excellence, allowing me to give that personal and individual touch to each client that I work with.

When not working I love spending time with my daughter watching her grow and explore the world around her. I adore history and love to visit historic properties and watch period dramas. I also love musical theatre, socialising with friends and anything related to Harry Potter. 

What is your most significant achievement?
Losing 10 stone. When I was 21 I weighed 22.5 stone I managed through diet and exercise to get down to 12.5

What super power would you like to have?
I’d love to be able to take on another person’s appearance because, let’s face it, who wouldn’t love to be the queen for a day.

What poster did you have on your wall as a teenager?
I’m not ashamed to admit I had the Spice Girls, Hanson and Harry Potter.

Jacques Chery

I’m a Protection & Mortgage Specialist at Cotswold Mortgage Solutions with over 15 years of financial services experience. Currently, a will writer and I also advise clients with protection & mortgage needs. My specialist areas are will writing, trusts, mortgage protection, income protection, family protection, business insurance, general insurance, and private medical insurance. I am a fully qualified mortgage adviser via the CII holding CII (MP) status.

What is your favourite city in the world?

What did you want to be when you were growing up?
Medical Doctor

What was the first CD/album you bought?
Michael Jackson / Dangerous

Tanya Kloppers

I have joined the team at Cotswold Mortgage Solutions after moving up from London, having advised clients holistically for many years. I have chosen to specialise in providing Mortgage and Protection advice as this is where I feel I can add the most value to clients.

I believe that my skills and experience in the industry can help clients have a smooth experience, in a process which can become complicated if not navigated properly.

My aim is to bring the personal touch to financial services and ensure that my clients feel that they have an adviser that they can trust who help them through the mortgage process, getting their home and protecting it. 

What’s the most satisfying thing you’ve done recently and why? 
Relocating from London to the Cotswolds. Beautiful surroundings. Lovely People. What more could one want.

The world ends tomorrow. What do you do today?
Time with family and friends; whilst drinking white wine – ; overlooking a fjord… and… of course – use my time machine for bucket list…

You’ve found a time-travel machine. Where do you go?
Apparently, as the world is ending tomorrow, I’d go backwards in time 😊.. repeatedly…

Paul Patel

I’ve worked in Financial Services for over 20 years and been mortgage advising for over 14 of them. Working with numerous UK clients and some overseas. Helping them purchase or remortgage. The majority of my clients are self-employed, which itself brings some complexities. Finding a solution to these problems is something I enjoy and getting a deal agreed gives me a little extra job satisfaction.

Away from work I have a wife (Nik) and three children, so much of my spare time is spent with them. If I manage any other spare time you’ll be likely to find me on the golf course (somewhere) and if I’m lucky/unlucky, watching Charlton. I also very proud to have bullied my children into supporting Charlton also.

What’s your best scar story?

Dislocated my shoulder so many times, I ended up having a “tightening up” op! It got so bad I sometimes woke up with my shoulder dislocated! Big scar on my shoulder to show for it. 

You can have an unlimited supply of one thing for the rest of your life, what is it? 

Golf balls. Literally water magnets.

Lee Freer

I have been working within the Financial Services Industry for 10 years enjoying a number of roles, starting my career with the bank, Santander. I have specialised in all areas of providing tailored advice around regulated protection products for my clients. Focusing around life assurance, critical illness, income protection and private medical Insurance. I also provide all aspects of advice for businesses in terms of key man insurance, shareholder protection and relevant life insurance. I work with companies also looking at group schemes.  

I’ve also developed my skill set with being a fully qualified mortgage adviser via the CII holding CII (MP) status. This allows me to provide mortgage advice to help round off a full service that I can offer to my clients within the residential and buy to let industry. I have a real passion for helping and supporting my clients to provide tailored solutions. For me, my clients always come first ensuring they start on a journey, for the long term relationship between adviser and client. 

What was your favourite toy as a child?
My favourite toy was my collection of Britain’s farm toys that have now been given to my eldest son.

If you are stranded on a desert island, what 3 things could you not live without and why?
As corny as it sounds I would say my wife and two boys. But otherwise it would be: Coffee, a cold beer and a hammock. 

Who was your celebrity teenage crush?
Megan Fox

Gary Green

Gary Green is a passionate mortgage advisor at Cotswold Mortgage Solutions, driven by a wealth of life experiences and a genuine commitment to providing tailored financial protection advice. Having served in Afghanistan with the 4th Battalion, the Rifles in 2009, Gary understands the importance of securing one’s financial future. His book, “Bombs for Breakfast,” published in 2018 and selling over 2,000 copies, showcased his exceptional communication skills and storytelling talent. After a career in warehouse management, Gary seized an opportunity to learn about wills and estate planning, which opened doors to further ventures in financial protection and mortgages.

Drawing on his personal experiences, Gary is dedicated to ensuring his clients receive comprehensive guidance and protection. With a personalised approach, he takes the time to understand their unique needs, aligning solutions with their goals. Gary is also actively involved in supporting veterans and their families. In summary, Gary Green is an empathetic mortgage advisor who combines his diverse background, exceptional communication skills, and passion for helping others to provide exceptional service and secure his clients’ financial well-being.

What’s your biggest claim to fame?

I am a published Author. I have also met Prince Harry and had dinner at 10 Downing Street.

What’s your best party trick?

Throwing and catching food in my mouth, I can also dance very badly.

What is a weird fact that you know?

If a flee was the same size as a human, they would be able to jump over the Eifel Tower.


Ashley Fredericks

Ashley joins the team at Cotswold Mortgage Solutions as a Protection, Wills and Estate Planning Specialist. He is fairly young to the finance and insurance industry even having had his first taste of insurance advising for “Discovery Life” many years ago. He studied at Cape College obtaining his qualification in Human Resource Management. He has since gone on to work for various global corporate brands such as LG Electronics, Samsung, Sony, Virgin Media, etc. in various sales management, training, and executive advisory roles. He has an affinity for people’s well-being and a wealth of corporate and life experience to draw from to ensure that personal touch.

What followed was a career changing opportunity presented to Ashley which opened the doors to learn about Wills and Estate Planning and obtaining a qualification in Financial Protection.

His approach is professional, personalised tailored advice, with his motivation coming from his desire for helping others.
He is keen to ensure his clients have peace of mind in knowing that they have taken positive steps in planning for their own future or making sure that their spouse, children, or family will be financially supported in the event of their early passing.

His specialist areas include Income Protection, Life Assurance, Critical Illness Cover, Family Income Benefit and Wills & Estate Planning.

“I work with an amazing team of people in an award-winning company which provides total inclusiveness for all, along with that good family value vibes. Therefore, I would like to invite you to be a part of my journey and in doing so you allow me to be a part of yours, while providing tailored consultative advice and an excellent client experience with a human touch.”

What’s the craziest thing you’ve ever done after getting really drunk?
Cannot say without my lawyer present.

What’s the weirdest thing you’ve given someone as a gift?
An invite to their own surprise birthday party.

What law would you introduce if you had the chance to make one?
A two-day working week on a full week’s salary.


Charlotte Osgerby

Starting my career in financial services was somewhat an accident, after leaving school and a short time at college, I started an apprenticeship in Business and Administration with a local broker firm. Following completion of this and working in administration, I took a ‘gap year’ to figure out what it was I wanted to do, I took 6 months off and travelled Bali and Australia. On my return I decided to throw myself into my studies and qualified as a Mortgage Adviser 6 years after falling into my apprenticeship, 4 years on I still love what I do and enjoy every moment of helping people, whether it be buying their first homes or finding what works for them next.

What one piece of music would you keep on repeat and why?
Anything Lewis Capaldi, I think he is an amazing artist and seeing him live in Amsterdam was something I’ll not forget!

What is the funniest thing that has happened to you recently?
I don’t know, weird things seem to happen to me all the time…

What is your favourite childhood memory?
One of the best must be a family trip to Gibraltar, walking around amongst the monkeys – of course no food signs everywhere. A monkey jumped on my mums back-pack, stole it from her back and proceeded to empty it to find the snacks she thought had gone un-noticed.

Emma Hughes

I have lived in the local area for majority of my life, Chipping Norton now being my home. I have always worked generally in administrative roles starting my working life at age 16 with a Youth Training Scheme at Thames Valley Police! Over the years working in admin roles within various organisations, I have also worked in Catering/Hospitality field but found it too restrictive working evenings and weekends so decided an office role was preferable.
I am delighted to have found a role within a local company here in Chipping Norton and it’s great to be able to walk to work. I am new to working within the Mortgage / Financial sector but am enjoying the challenge of my administrative role here at CMS. I have many interests and hobbies and a love of crafts and quilting is a great past time I enjoy when I have the time.

What animal would you compare yourself to and why?
I would be a bird – as I like to fly, as this would give me a feeling of freedom and being able to travel to many different areas or even countries and I love to travel and explore.

What one piece of music would you keep on repeat?
Bruce Springsteen – so any of his songs on repeat would be good, I’ve seen him live 3 times and he is brilliant.
I also love the songs of Elvis Presley and have been lucky enough to go to visit Graceland.

If you ran away and joined the circus, what type of performer would you be?
I would love to be trained on the high rope swing, again a sense of flight, I love the feeling of flying through the air, but would want a nice big safety net underneath of course!

Join Our Team

If you have a passion to succeed, you’re looking for a new opportunity and you have integrity, honesty, accountability, trust and commitment we’d be keen to hear from you. Leave you name, email address and a brief message and we’ll be in touch.

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