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Mortgages you'll feel at home with

With independent advice, award-winning products, and a process you can follow every step of the way, our mortgages work for you.

Why choose Atom bank

Competitive rates

A range of terms, and some of the most competitive rates on the market. What’s not to love?

Independent advice

An independent broker will scour the market to find the best deal for you – even if it’s not with us.

In app updates

You get complete, real-time visibility of your mortgage on the app, from application to completion, and beyond.

Our latest rates

These are our fixed rates today, but they’re subject to change. So if you like what you see, contact a broker.

60% LTV
2 year fixed

No product fee

Initial rate

2.14%

SVR

(SVR) Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.
4.00%

APR

(APR) Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.
3.73%

Early repayment charge until Mon Jan 31 2022

2 year fixed

£900 product fee

Initial rate

1.79%

SVR

(SVR) Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.
4.00%

APR

(APR) Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.
3.71%

Early repayment charge until Mon Jan 31 2022

3 year fixed

No product fee

Initial rate

2.14%

SVR

(SVR) Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.
4.00%

APR

(APR) Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.
3.58%

Early repayment charge until Tue Jan 31 2023

3 year fixed

£900 product fee

Initial rate

1.84%

SVR

(SVR) Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.
4.00%

APR

(APR) Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.
3.55%

Early repayment charge until Tue Jan 31 2023

5 year fixed

No product fee

Initial rate

2.29%

SVR

(SVR) Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.
4.00%

APR

(APR) Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.
3.37%

Early repayment charge until Fri Jan 31 2025

5 year fixed

£900 product fee

Initial rate

1.99%

SVR

(SVR) Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.
4.00%

APR

(APR) Annual Percentage Rate is the cost of how much the borrowing will be over a year. This is normally shown as a percentage rate.
3.29%

Early repayment charge until Fri Jan 31 2025

Representative example:

A remortgage of £170,000 at 80% loan to value with an assumed start date of 01/04/2019 payable over 25 years initially on a fixed rate of 2.14% for 5 years and then on our current standard variable rate of 4% for the remaining 20 years would require 60 months monthly payments of £738.66 and 240 monthly payments of £873.47.

The total amount payable would be £253,943.02 made up of the loan amount plus interest of £82,443.02, a product fee of £1500 and a valuation fee of £0.

Please refer to your Mortgage Illustration for details on other fees payable on your mortgage.

The overall cost for comparison is 3.4% APRC Representative.

Your first monthly payment will be higher as it includes interest from the date the funds are released as well as the monthly repayment.

The amount payable could change as a result of changes in the Standard Variable Rate. Your home may be repossessed if you do not keep up your repayments on your mortgage.

Find a broker

Looking for a mortgage? First step is to chat to one of the brokers we work with to ensure Atom is right for you