Mortgages with Atom bank

With speedy decisions and a straightforward process, you'll feel right at home with Atom mortgages. And as we're an app-based bank, you can track your mortgage application securely at every stage.

People holding boxes

Why get a mortgage offer with Atom?

Independent advice

An independent mortgage broker will compare mortgage rates for you. If they recommend an Atom bank mortgage, you can trust that it’s the best deal for you.

Live app updates

We’ll update you with all the important info about your mortgage application as it happens, so you can keep track of progress.

Award-winning service

Applying for a mortgage loan can be stressful, but with Atom, you’ll always have award-winning customer service on-hand.

Best Online Mortgage Lender

We won the Best Online Mortgage Lender award at the What Mortgage Awards 2023 — the sixth year in a row we've taken home the prize! The awards are voted for by consumers, which means that people genuinely do think our products and services are among the very best available.

badge showing Atom's win of What Mortgage Awards' Best Online Lender 2023 for the 6th consecutive year

Best Online Lender

Find a mortgage loan that's right for you

Depending on which of Atom's mortgage products you choose, you’ll be on a fixed rate mortgage for the first 2 to 5 years of your term. This means you pay the same monthly rate for that period, which helps to provide you with certainty around your payments. You can also overpay on your mortgage by up to 20% each year without any charge.

Take a look at our products below and click through to find the latest rates.


Got a mortgage but looking for a new deal? Step this way and see our range of remortgage offers.

Moving Home Mortgages

If you’re thinking of moving home, do it with confidence with our simple, straightforward new purchase mortgages.

First Time Buyer

Buying your first home? Our range of first time buyer mortgages will help you take the first step on the property ladder.

Product Transfer Mortgage

Already an Atom bank mortgage customer and coming to the end of your fixed-rate mortgage deal or found your circumstances have changed? Take a look at our mortgage product transfer options.

Less-than-perfect credit

Missed a payment, have a CCJ or default? Our range of Near Prime mortgages is available to help you.

Have a mortgage question?

Head over to our mortgages knowledge hub to find useful guides that will get you back on track.

So how do I apply for a mortgage?

Existing customers

If you’re already an Atom mortgage customer and want to get advice about the best options for you, you can talk to the mortgage broker you worked with last time or find a new broker using our find a broker tool below.

You can also complete a direct product switch with us (subject to eligibility) if you’re happy to proceed without taking broker advice. We’ll get in touch when this option is available to you.

New customers

Atom bank mortgage loans are currently only available through independent brokers. This ensures you get advice on the very best mortgage deal for you, even if it’s not with us. Use the find a broker tool below to get started.

Find a mortgage broker

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

What is a mortgage broker?

A mortgage broker is a person or company that will provide advice and apply on your behalf to a lender when you want to secure a mortgage loan. They will listen to your needs, recommend the most suitable products for you and then help you to apply or apply on your behalf. You can use a broker whether you’re looking to buy your first home, move house or remortgage.

Why use a mortgage broker?

There are quite a few benefits to using a mortgage broker, and that’s why most people in the UK choose to apply through one.

Seeking the advice of a broker will save you time, effort and potentially some money. You will be speaking to someone who is an expert in their field, who might have access to products not available directly to consumers. They will also be able to help you put together your application to give you the best chance of being accepted.

What is the difference between a mortgage broker and a mortgage adviser?

There is no difference between a mortgage broker and a mortgage adviser - they are just different terms for the same profession.

Atom bank mortgages

It’s our mission to make getting a mortgage as simple as possible. Our products are straightforward and our application process is speedy and transparent. You won’t find yourself getting lost in complicated T&Cs and we won’t leave you wondering when you’ll get a decision on your application.

Atom mortgages are fully intermediated for new customers, which means that we only offer them through a mortgage broker. Using a mortgage broker means you will always be able to get advice and product recommendations, whether that’s with us or another lender.

When you speak to a mortgage broker, they’ll help you to decide if our mortgage products are right for you, then help you apply. You can then track everything in our Atom bank app.

We back this up with award-winning customer service to help you out if there are any problems or questions you need answering about your Atom bank mortgage.

What customers say about our mortgages

We use Feefo - an independent review company - to get feedback from real mortgage customers. It's impartial, honest and well worth a look.