Contact us

CCJs

History	Value	Notes
0 in the last 12 months Maximum of 4 in total	Maximum of £1000 total combined value of unsatisfied CCJs per applicant No limit if satisfied	Assessed independently from defaults

Defaults

History	Value	Notes
0 in the last 12 months 4 in 13–24 months Unlimited over 24 months	Maximum of £2,500 total combined value of unsatisfied defaults per applicant Additional £500 of unsatisfied for mail order, communications and utilities No limit if satisfied	Assessed independently from CCJs

These can be found on the MSO Broker log-in page.

No, a Home Buyer report can only be instructed if a physical valuation is being carried out.

All mortgage applicants need to download and use the Atom bank app - it’s part of their mortgage T&Cs. If they have it already that’s great, if not, it can be downloaded at the Apple App Store or Google Play Store.

At the DIP stage the customer will receive a code via email and SMS, and this allows them to access the mortgage part of the App. It’s essential they have the App by the offer stage of the process, as each applicant needs to view and accept their mortgage offer and T&Cs within the App - if they don’t their mortgage can’t complete. They’ll then use the App to service their account for the lifetime of their mortgage.

Log in to the portal and you can view case and tracking in the case summary.

90 days.