We've made finding a mortgage simple
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.
Why get a mortgage offer with Atom?
An independent mortgage broker will scour the market for you, so if they recommend to get a mortgage with Atom, you can trust that it’s the best deal for you.
We’ll update you with all the important info about your mortgage application as it happens, so you can keep track of progress.
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.
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.
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? 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.
Not only will seeking the advice of a broker 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 an 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 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 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.