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.

The below products are only available to existing Atom mortgage customers. We will keep assessing the market to ensure we can relaunch products for new customers when the time is right. We’ll continue posting updates here and on our COVID-19 help page, so keep your eyes peeled for more information.

60% LTV
2 year fixed

No product fee

Initial rate

2.34%

SVR

(SVR) Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.
3.50%

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.
3.35%

Early repayment charge until Fri Sep 30 2022

5 year fixed

No product fee

Initial rate

2.34%

SVR

(SVR) Standard Variable Rate is the mortgage interest rate that will be applied to your loan once any introductory deal ends.
3.50%

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.
3.09%

Early repayment charge until Tue Sep 30 2025

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