Taking out a mortgage is one of the biggest financial decisions you will probably ever make, so it’s important to get it right first time. We pride ourselves on going above and beyond to support you throughout your mortgage journey, from application to completion.
About Us
Let us help
Why choose us
- Friendly, approachable and reliable team
- Bespoke and impartial advice
- On hand 7 days a week
- Industry expertise and lender knowledge
- Save time
Meet the Team

Karen Willis
Karen founded Charlie Victor Mortgages in 2021 and is the sole director of the company, which she runs alongside juggling a busy home life with 5 children. Karen qualified as a mortgage and protection adviser over 20 years ago. She brings a wealth of knowledge and experience to even the most challenging circumstances, specialising in cases that might be more complex and not always fit with the standard high street criteria. Karen prides herself on always going the extra mile and ensuring that no stone is left unturned to provide a solution that will meet her client’s needs. Clients are always appreciative of Karen’s level of dedication and often comment on her ability to go above and beyond what is expected.
Outside work, Karen is active in her community, sponsoring a local football team within Wellesbourne Wanderers. She likes to unwind with a glass of wine or an evening stroll with her cockapoo Bonnie.

Sebastian Voicu
Sebastian has been in the financial services industry for a number of years and has accumulated a vast amount of experience. His passion for property and finance led him to take the decision to concentrate and specialise his skills on mortgages and protection.
Sebastian is fluent in both English and Romanian and takes great pride in sharing his knowledge and helping his clients. Holding their hand throughout the journey until getting the keys to their dream home.
When he’s not at work, Sebastian’s passions are hiking, travelling, discovering nature, and exploring new cultures. He loves to light the BBQ as frequently as possible with friends and family.
Testimonials
“Karen took the time to carefully explore every option for my remortgage and explained everything clearly throughout the process. She was incredibly patient, supportive and always happy to answer my questions. I never felt rushed or pressured, just genuinely looked after. Her knowledge and dedication really stood out, and she worked hard to find the…
“Karen was very professional and quickly found a great mortgage deal for us. She explained all of the options clearly and made what seemed like a complicated process feel easy and straightforward.”
“Karen was fantastic throughout the entire mortgage process. She was incredibly helpful, patient and always quick to respond to my many questions. She made what can be a stressful process much easier, and I really appreciated her guidance. Highly recommended!”
“Karen has been absolutely brilliant with both our remortgage and house move. She thought outside the box to find solutions we didn’t even know existed. She is efficient, a great communicator and genuinely lovely to deal with. I would have no hesitation in recommending her to anyone.”
“My wife and I needed to remortgage in our 60s to help out our family. Karen was superb at understanding our needs, finding the right lender and product, and guiding us through what was far from a straightforward process. She was professional, approachable and a pleasure to deal with. I have no hesitation in recommending…
“I don’t often leave feedback, but the service Karen provided was first class. We had a few complexities that she handled simply and efficiently. I can’t rate her highly enough.”
