Moving home mortgages with Atom
Find out everything you need to know about new purchase mortgages and our range of products below.
What’s a new purchase mortgage?
It’s exactly as it says - a mortgage for buying a new home. When you want to move, you’ll need your shiny new mortgage set up and ready to go.
Why a moving home mortgage might be right for you?
Upgrading, downsizing or relocating? Whatever your reason for moving home, making sure you get a mortgage that’s right for your plans is essential.
What moving home mortgage options does Atom offer?
These are our current deals but they are subject to change. If you like what you see, contact a broker.
Term
2 Year Fixed
Early repayment charge until Fri Mar 31 2028
Initial Rate
4.89%
SVR Rate
6.99%
APRC
6.8%
Product fee
£0
Term
3 Year Fixed
Early repayment charge until Sat Mar 31 2029
Initial Rate
4.89%
SVR Rate
6.99%
APRC
6.6%
Product fee
£0
Term
5 Year Fixed
Early repayment charge until Mon Mar 31 2031
Initial Rate
4.84%
SVR Rate
6.99%
APRC
6.2%
Product fee
£0
Representative Example:
2 Year Fixed — 90% LTV with no product fee, 4.89% rate
A capital and interest repayment mortgage of £178,253.13, payable over 30 years and 0 months, initially on a fixed rate of 4.89% for 2 years, and then on our current standard variable rate of 6.99% for the remaining 28 years and 0 months, would require 24 monthly payments of £944.95 and 336 monthly payments of £1,168.10.
The total amount payable would be £415,160.40, made up of the loan amount plus interest of £235,054.62, with no product fee and no valuation fee.
The overall cost for comparison is 6.8% APRC Representative.*
*The above representative example is for illustration purposes only and is not an offer. The figures are representative of the typical costs and repayments for this type of mortgage and customer type. As a result your actual costs and repayments will vary depending on your personal circumstances/mortgage.
YOU COULD LOSE YOUR HOME IF YOU DON’T KEEP UP YOUR MORTGAGE REPAYMENTS
How to apply for a moving home mortgage
Are you a new customer?
We only offer our mortgages through independent brokers. Why? It ensures that you’ll get advice on the best deal for you, even if they end up recommending another provider.
Are you a returning customer?
Thanks for thinking of us again with your new home!
It’s probably worth finding out if you can port your existing mortgage (take it with you to your new home).
If your new home’s worth more than your current, you may need to borrow more. To get things moving, you can either speak to the broker you used before or use our find a broker tool below.
Find a broker
Looking for a moving home mortgage? First step is to chat to one of the brokers we work with to ensure Atom is right for you.