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
A range of terms, and some of the most competitive rates on the market. What’s not to love?
An independent broker will scour the market to find the best deal for you – even if it’s not with us.
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.
- Moving Home
- Remortgaging
- First Home
- Loan Value Under £350,000
- Loan Value Over £350,000
No product fee
Initial rate
2.14%SVR
APR
Early repayment charge until Mon Jan 31 2022
£900 product fee
Initial rate
1.79%SVR
APR
Early repayment charge until Mon Jan 31 2022
No product fee
Initial rate
2.14%SVR
APR
Early repayment charge until Tue Jan 31 2023
£900 product fee
Initial rate
1.84%SVR
APR
Early repayment charge until Tue Jan 31 2023
No product fee
Initial rate
2.29%SVR
APR
Early repayment charge until Fri Jan 31 2025
£900 product fee
Initial rate
1.99%SVR
APR
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.
Yeah, but what do customers think?
We use Reevoo – an independent review company – to get feedback from real mortgage customers. It’s impartial, honest and well worth a look.
How to apply
How to apply
Download the Atom bank app
If it’s a joint application, you’ll both need to download the app onto your own smartphone or tablet with your own, unique email address.
Activate your app
We send a unique activation code by email or SMS to each applicant. Enter this code into your app to start tracking your application.
Set up your biometric security
Simple, secure with no need to remember your mother's maiden name.
Review time
Your broker will submit your application and any documents we need to review and we’ll keep you updated via the app.
Accept your offer
You’ve done it! Just accept the offer in your app, and then continue to manage your mortgage through your device.
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