Meet the Team Behind Your Mortgage
We’re Meta Mortgages, an industry-recognised whole-of-market mortgage broker based in the UK. We’re not a call centre or a comparison site. We’re real advisers who take the time to understand your situation, search the entire market, and support you from first enquiry through to getting your keys.
CEO & Founder
Joel Bailey-Wilson
Recognised as the Financial Reporter 30 Under 30 Class of 2025, Joel is the founder of Meta Mortgages and a recognised name in UK financial services. With over 10 years of experience in financial services and 7 years as a mortgage and protection broker, Joel specialises in helping first-time buyers, low deposit applicants, and clients with more complex cases that other brokers often turn away.
Having worked closely with clients over the years, Joel saw the same issue happening across the industry: first-time buyers lacking financial understanding, being sold products without fully understanding them, or being pushed into deals that suited the broker more than the client.
Meta Mortgages was built to do things differently: whole-of-market advice, plain English communication, the same broker available to answer your questions throughout the process, and a free initial conversation so you can decide if it’s the right fit before committing to anything.
Outside of work, Joel enjoys watching and playing football, going to the gym, reading, and spending time with family and friends.
Mortgage & Protection Broker
Jelony Osa
Jelony has over five years' experience helping clients secure the right mortgage, from first-time buyers taking that first step onto the ladder to landlords growing a portfolio. She specialises in residential and Buy-to-Let mortgages, plus the protection that goes alongside them.
Her approach is the same with every client: understand the full picture first, then tailor the advice. Clients often mention her patience and her ability to make a stressful process feel calm and clear.
She handles each case end to end, from gathering documents to submitting the application, and believes the best outcomes come from clients who fully understand the choices in front of them.
Her goal is simple: a home you can call your own, secured on the right deal.
Mission & vision.
Our mission.
To empower clients to achieve their financial goals and secure their future through expert guidance, tailored solutions and access to the widest possible range of financial products on the market.
Our vision.
To be one of the most trusted financial services firms in the UK, known for exceptional service, a personalised approach, and a genuine commitment to helping clients build a brighter future.
Industry recognition & features
Featured on Pepper Money Podcast
S7 E2: Breaking Down Barriers in Mortgages & Building Homeownership
Joel joined the Pepper Money podcast to discuss breaking down barriers in mortgages and making homeownership accessible for everyone.
Working in Mortgages
A Day in the Life of Joel Bailey-Wilson
A behind-the-scenes look at what running a UK mortgage brokerage actually looks like day to day.
The Intermediary
Meet the Broker (June 2025)
Joel was profiled in The Intermediary magazine's Meet the Broker feature, talking about why Meta Mortgages was founded and what makes a good first-time buyer broker.
The Intermediary
Working in Mortgages event highlights the importance of mentoring
Joel joined an industry mentoring panel to mark International Women's Day, sharing how isolating it can feel making big business decisions without anyone to bounce ideas off.
Financial Reporter
Black Mortgage Professionals & Allies Networking Event (May 2025)
Joel took part in a fireside chat at the third BMPAN event at Barclays Canary Wharf, discussing what it actually takes to build a mortgage business from the ground up.
Financial Reporter
Financial Reporter's 30 Under 30 (2025)
Joel was named in Financial Reporter's 30 Under 30 list, recognising the next generation of rising stars shaping the future of the UK mortgage industry.
What “whole-of-market” actually means
It's a phrase that gets used loosely. For us, it means we are not tied to a single lender, a panel of two, or a parent bank. We can recommend a mortgage from any UK lender we have access to, and our recommendation is based on what's best for you, not what's best for our commission. If a high-street bank's deal is the right one, we'll tell you so, even if it costs us in fees.
- One named broker, start to finish. You'll never need to re-explain your situation.
- Free, no-obligation initial chat, usually 20 minutes by phone or video.
- Plain-English explanations. If we use a term, we define it.
- Transparent fees. We explain how we get paid before you sign anything.
- UK-wide. We work with clients across the country.
Why “Meta”?
In ancient Greek, "meta" means "beyond", going further than what's in front of you. We picked it because that's the goal: not just finding you a mortgage, but going beyond the transaction, explaining, advocating, and being there when something unexpected comes up.
Take the next step.
Book a free 20-minute chat. We'll listen, answer your questions, and tell you honestly whether we can help