Kayla
Joseph

Understanding the first home journey
Kayla's story so far...

Kayla Joseph has learned that a mortgage can look very different depending on which side of the desk you sit. For the team handling it, a case may be familiar. For someone buying their first home, every update and unanswered question can feel enormous.

She joined Blue Moon Mortgages at 19 through a financial services apprenticeship, starting in administration. Seeing everything that happened after advice was given helped her understand where clients needed reassurance. At 21, she now manages all the firm's first home buying cases from that point until clients receive their keys. Around 90% of its Google reviews since she joined mention her personally.

Kayla has also put what she has learned into a mortgage administration manual, which she updates as procedures change. It has already been used to train three colleagues, whom she continues to support. She has encouraged the firm to communicate differently too, introducing TikTok and creating Inside Blue Moon to share the people and everyday work behind the business.

In 2026, she completed her apprenticeship with distinction. She has also completed CeMAP 1 and CeMAP 2 while working full time and is progressing towards becoming an adviser. The experience she wants to take with her is the one she has gained from clients: knowing the process matters, and so does understanding how it feels to go through it.