Atom Bank
Atom Bank

Atom Bank

Atom, the UK’s first exclusively app-based bank.

Our mortgage proposition launched in December 2016 through a panel of selected intermediaries, providing a speedy and straightforward mortgage experience directly from customers’ mobiles or tablets.

We use the latest technology and integrated systems, so everything is processed in real-time using next-generation Mortgage Sales and Originations software from IRESS.

Brokers can provide their clients with instant decisions, backed up with automated processes, that remove unnecessary delays. Using the Atom bank app, customers receive instantaneous updates and can see their mortgage application journey with complete transparency through every stage.

Proc Fees

Product Gross Net
All Product 0.40% 0.55%

Overview

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Register to place business with Atom Bank Mortgages:

 

Register

At Atom bank, we want to do the best thing for our customers. Thanks to our app-only platform and our use of the latest technology and integrated systems, we offer a quick and efficient service with straightforward products and a high degree of transparency. We’re here to make things easier for you and your customers.

We’re fully intermediated, and we’d love for you to join our broker panel.

Geographical / Postcode restriction or other important note before advisers go through  application process:

Our products

We have a great range of mortgages that you can offer your customers. We ensure our products are simple and of good value, with a speedy process via our app.

  • Prime purchaseand remortgage products — 85%, 90% and 95% LTV products with fee/nofee and cashback options available.
  • Near Primepurchase and remortgage products — 60%, 65%, 70% and 75% LTV products withfee/no fee and cashback options available.

What can we offer you?

Alongside our great product range, when you join the Digital Mortgages panel you will also get access to a number of benefits, including:

  • Competitive pricing — Our rates offer excellentvalue to your customers — you can check the latest Prime and Near Primerates on our website.
  • Flexible criteria — It’s our aim to help moreto move, so we’ve made sure our criteria are suitable for a wide sectionof potential customers.
  • Straightforward lending policy — Affordabilitycalculations you can rely on, a common-sense approach and a simple softfootprint DIP process. Take a look at our full lending criteria here.
  • Great incentives — We can provide the likesof free valuations and legals, as well as a selection of cashback offers.
  • Fast, efficient service — Our automated processdelivers a quick turnaround.
  • Dedicated broker portal — We have a dedicatedbroker portal where you can submit and track applications and easilyupload documents.
  • Personal contact — You will get your ownpersonal contact you can speak to if you have any problems or questions — meet our intermediary team here.

Tools & Calculators

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