Purpose: This study examined the influence of metacognitive awareness, epistemological beliefs, and mathematical resilience on university students’ perceived mathematical problem-solving ability and explored the cognitive and affective processes students employ when solving mathematical problems. Design/methodology/approach: An explanatory mixed-methods design was employed. Quantitative data were collected from 350 undergraduate Mathematics Education students at a public university in Ghana using a structured questionnaire and analyzed using exploratory factor analysis, confirmatory factor analysis, and structural equation modeling. Qualitative data were obtained from 10 purposively selected students and analysed thematically to provide further insight into students’ problem-solving processes. Findings: Metacognitive awareness (β = .247, p < .001) and epistemological beliefs (β = .273, p < .001) significantly predicted perceived mathematical problem-solving ability, whereas mathematical resilience did not significantly predict perceived mathematical problem-solving ability (β = .105, p = .163). The qualitative findings indicated that students engaged in problem interpretation and strategy planning, monitoring and evaluation, persistence and strategy adjustment, and experienced varied emotional responses during problem solving. Practical implications: Mathematics instruction should incorporate activities that strengthen students’ metacognitive regulation and productive epistemological beliefs while developing resilience alongside mathematical knowledge and problem-solving strategies. Originality/value: The study combines structural evidence on cognitive and epistemological predictors of mathematical problem-solving with qualitative accounts of students’ cognitive and affective experiences, providing a more comprehensive account of problem-solving among university mathematics education students.