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Mortgages that tick all the right boxes

Our mortgages are simple, great value and offered in hours and days, not weeks and months. Submit an application through our online portal and stay in control throughout the process. What’s not to love?

Broker rated best bank H1 2024 award from Smart Money People

Our products

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Prime Mortgages

Our core range offers up to 95% LTV products for purchase, remortgage and first time buyers, all wrapped up with straightforward criteria and fast decisioning.

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Near Prime Mortgages

Does your customer have less than perfect credit? Our Near Prime range offers purchase and remortgage products up to 85% LTV, with fee and no-fee options to choose from.

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What makes Atom mortgages different?

We’ve been making mortgages simpler, quicker and more transparent since 2016. Here’s how we do it:

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Straightforward lending criteria

We pride ourselves on our straightforward lending criteria, designed to help you get your customer the mortgage they need. This includes customers who are:

  • Self-employed or contractors
  • Have less than perfect credit
  • Require lending into retirement
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Easy affordability calculator

Our easy-to-use, online affordability calculator will give you an estimate of how much your customers could borrow. You’ll just need to know:

  • Property value, loan amount and term
  • Applicant details including age, postcode and income details
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Automated decisioning and valuations

Over a third of our mortgage applications receive an offer the same day or next day, while over half are supported with automated valuation (AVM) or automated income verification (AIV).*

This focus on technology and automation means less work for you, with:

  • Less need to submit payslips every time
  • AVMs being used for Prime, Near Prime, Remortgage and Purchase cases where eligible

*Data taken from Atom’s residential mortgage cases submitted July - Oct 2023

Our mortgage rates

Residential Mortgages Rate Table

Updated 04 December 2024

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Frequently asked questions

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