“As a first time buyer, Joel and Meta Mortgages was fantastic at providing me with a great amount of personal help through each stage of the buying process. They went above and beyond in every aspect, making sure I was getting the best service and best deal. I'm extremely grateful to Meta Mortgages for their help.”
Turning First Home Dreams into Reality
Low deposit or not sure where to start? We search the whole UK mortgage market and guide you all the way to getting your keys. Buying your first home should feel exciting - not overwhelming.
Industry Recognised Firm
Recognised as a Future Leader
Google Reviews
What Our Clients Say
Real people. Real results. Real reviews.
“I highly recommend MetaMortgages, particularly for first-time buyers. The team provided exceptional end-to-end support, guiding me from the initial property search through to post-completion. Beyond the mortgage itself, they walked me through my building and life insurance options, which I found incredibly helpful and valuable. They were incredibly efficient with the mortgage delivery and proactive in addressing the technical questions and 'hidden' stresses I hadn't even anticipated. Their expertise turned an overwhelming process into a seamless one. Highly recommended!”
“I can't recommend Jelony and Meta Mortgages highly enough. From start to finish, she has been absolutely incredible throughout my property-buying journey. Not only is she extremely knowledgeable and professional, but she also provided genuine emotional support during what can be a very stressful process. Jelony truly puts your needs first. She took the time to understand my situation in detail and tailored mortgage options around me, rather than offering a one-size-fits-all solution. Over time, she's become more than just a mortgage advisor - she's been a mentor and a friend, guiding me with honesty, care, and integrity.”
“From the very start of my home-buying journey, Joel at Meta Mortgages showed nothing short of professionalism, dedication, and genuine care. He took the time to understand my situation fully and worked diligently to gather all the relevant details to secure the best possible mortgage offer for me. Even when delays occurred that were completely beyond our control, Joel remained proactive, following up with all necessary parties without any prompting from me and keeping me informed at every stage. His warm, approachable manner created a safe, judgment-free space to discuss my financial matters, always with a focus on finding solutions rather than dwelling on obstacles. I wholeheartedly trust and recommend the Meta Mortgages team.”
You May Be Able to Borrow More Than You Thought
We have access to the whole market, let us tell you how much you can actually borrow.
Higher Income Multiples
Borrow More With the Right Lender
We have lenders that can potentially give you up to six times your income depending on your circumstances. That can mean tens of thousands of pounds more borrowing power.
Lenders eligibility/criteria applies.
Low Deposit
Get On the Ladder With as Little as 5%
You don't need a 20% deposit to buy your first home. We have access to lenders who accept deposits as low as 5% of the purchase price.
On a £200,000 home, a 5% deposit is just £10,000.
Figures are illustrative examples only. Actual lending is subject to lender criteria and affordability assessment.
Our services
How we help
First-time buyers
Buying your first home should be exciting - not overwhelming. We guide you through every step in plain English, find the best deal for your deposit and income, and stay by your side all the way to getting your keys.
Learn MoreYour home may be repossessed if you do not keep up repayments on your mortgage.
Remortgages
Want to save money on your mortgage or get a better rate? Whether your fixed deal is ending or you just want a better deal, we search the whole market to find you the lowest rate available - and it could save you hundreds a month.
Learn MoreYou may have to pay an early repayment charge to your existing lender if you remortgage.
Specialist mortgages
Think your situation is too complicated? Self-employed, contractor, adverse credit, complex income or expat - we specialise in finding solutions where high-street banks can't help. If you've been told no before, talk to us.
Learn More
Personal Protection
What would happen to your home if you couldn't work - or weren't here? We help you put the right cover in place so your family never has to worry about losing their home, whatever life throws at them.
Learn MoreAs with all insurance policies, conditions and exclusions will apply.
Buildings & Contents Insurance
Protect your home and belongings with the right insurance cover. We help arrange buildings and contents insurance to give you peace of mind from day one.
Learn MoreWhy Meta Mortgages
Tailored advice, unhurried conversations, and dedicated adviser support from start to completion.
Whole of Market Access
10 yrs
Financial services experience
1:1
Same adviser from application to completion
£0
To book an initial, no-obligation consultation
The process
How it works
Free Tools to Get You Started
Not sure what any of it means? Not sure if you can afford it? Start here - completely free.
Mortgage Mumbo - Jargon Buster
Confused by mortgage jargon? We've put together a plain-English guide to all the terms you'll come across on your home-buying journey. Download it free.
Budget Planner
Wondering if you can afford to buy? Use our free budget planner to map out your income, outgoings, and what you could realistically afford as a monthly mortgage payment.
Common questions
Frequently asked questions.
Contact Us
Ready to Talk?
Book a free, no-obligation chat with a friendly UK mortgage broker. No pressure, no jargon, no commitment until you're ready.