Remortgage with Atom

Find out everything you need to know about remortgaging and our range of remortgage products below.

A woman wrapped in a blanket holding a cup

What is a remortgage?

In a nutshell, remortgaging means staying in your current property but taking out a new mortgage deal. If you’re already with Atom and you're choosing to continue your mortgage journey with us once your current fixed term deal ends, we call this a product transfer instead of a remortgage.

Why remortgage?

Why might a remortgage be right for you? Here’s a scenario. Your fixed term with another lender is coming to an end. There’s an option to drop onto the Standard Variable Rate (SVR) with your current lender, but the unpredictability of a SVR means you could end up paying more in the long-term. You come to the decision that you want to lock in a new, competitive rate for a fixed period of time as you plan on staying in the property for a good few years yet. This would be remortgaging.

Talking through your circumstances with a broker will make sure you get the best remortgage for you, as the right remortgaging deal can be a tricky choice to make.

Father and daughter excited about their Atom bank remortgage

What remortgages does Atom offer?

These are our current remortgage deals but they are subject to change. If you like what you see, contact a broker.

You could lose your home if you don’t keep up your mortgage repayments

How to apply for a remortgage

New to Atom?

Speak to an independent broker and ask them about a remortgage with Atom. Our products are only available through brokers, which ensures you get the right advice on rates and deals.

Use our find a broker tool at the bottom of this page to get started.

Already an Atom customer?

Glad to hear you’re sticking around! You can get advice on a remortgage with us by talking to the broker you worked with before. Or, if you need to speak to a new broker, use 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.

Find a broker

You can use the search tool below to find a broker who works with Atom bank.