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One of the UK's top 25 lenders

This lender lent over £1bn in 2018. That's 0.4% of all mortgage lending.

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20-day submission time

That's 4 days slower than the average across the 25 lenders we looked at.

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Borrow 4.75 x your income

You could borrow up to this amount if you meet the lender's requirements.

About Atom Bank

Founded in 2014 in the North East of England, Atom Bank is the first mobile-exclusive bank.  As such, their mortgage customers manage everything from an app – from accepting a mortgage offer to viewing statements.

They offer a number of mortgage options, including various fixed-rate, variable rate, remortgaging and first-time buyer mortgages.

Atom Bank mortgages are available to a wide range of people, but they generally won’t lend to you if you have particularly bad credit

We’ve reviewed some of the UK’s top mortgage lenders and measured their service, application speed and affordability. 

In this review we’ll cover:

All information on this page was up to date as of August 2019.

Is Atom Bank a good mortgage lender?

There are many ways to measure how good a lender is. We tend to focus on publicly available complaints data to estimate a mortgage lender’s quality of service.

Unfortunately Atom Bank’s customer complaints records are currently unavailable, but we’ll update this page as soon as we have access to them. 

How long does an Atom Bank application take?

During the last six months, the average speed that Atom Bank processed a Trussle customer’s successful mortgage application was 20 days. That’s slower than the 16-day average across all the lenders we’ve submitted applications to.

Bear in mind that the speed of application will vary depending on your own personal circumstances and the lender’s present day-to-day performance. In some cases, applications can be approved by the lender within 24 hours, while some can take weeks or even months. This can also be impacted by the quality of the application submitted, which is why you may want to consider using a mortgage broker. The average quoted speed therefore may not reflect your own experience.

How much could I afford to borrow from Atom Bank?

The amount you can borrow for a mortgage can vary. If your individual or joint earnings before tax are less than £100k, you could borrow up to 4.5 times your income before tax, or 4.75 times your income before tax if your earnings are over £100k.

You’ll find Atom Bank’s mortgage calculator on their website – this will give you an estimate of how much you may be able to borrow.

These details were last updated on 8th August 2019.

Atom Bank mortgage calculator

Calculate how much Atom Bank could lend to you with a mortgage. Explore what your Atom Bank monthly mortgage payments could be.

How much can I borrow?
Mortgage repayment calculator

Your home could be repossessed if you don't keep up repayments on your mortgage.

Talk to a mortgage broker or lender to get a more accurate remortgage savings amount.

You could borrow up to

Loan to value (LTV):00%
Including your deposit, you could afford a house price up to£000,000
Other fees you may have to pay:
Broker fee(free with Trussle)
Additional fees(learn more)

Next steps

If you're ready to get a mortgage, the next step is to answer a few more questions. Then a Trussle adviser will find the best mortgage deal for you.

Your home could be repossessed if you don't keep up repayments on your mortgage.

Talk to a mortgage broker or lender to get a more accurate remortgage savings amount.

Frequently asked questions (FAQs)

This information was updated in August 2019.

Atom Bank offers a range of mortgage products, ranging from first-time buyer and new build mortgages to remortgaging plans. 

When it comes to fixed-rate products, you can choose from two, three and five year plans. When your fixed-rate period comes to an end, it’ll transfer to Atom Bank’s current standard variable rate.

Atom Bank doesn’t currently offer buy-to-let mortgages.

Atom Bank’s mortgage offers are valid for 13 calendar weeks from the date the offer is made (26 weeks for new build properties).

Atom Bank’s fixed-rate mortgage rates vary depending on the type of mortgage you have. Their standard variable rate currently stands at 4% (Sept, 2019) but this can change at any time.

As with any mortgage provider, you need to meet Atom Bank’s criteria to be eligible for a mortgage with them. For instance, all applicants must evidence a three year address history and have no more than one instance of adverse credit history. 

Contact Atom Bank directly to find out more about their mortgage criteria.

Your initial payment is likely to be higher because it includes interest from the date the funds are released as well as the usual monthly amount. This is the same for most lenders.

You can find reviews of Atom Bank’s mortgages on a range of consumer review sites and forums, including TrustPilot and Moneysavingexpert.com.

How much you can overpay depends on the terms and conditions of your mortgage. If you overpay more than you’re allowed to you’ll have to pay an Early Repayment Charge (ERC).

No, Atom Bank is branch-free and you can only open an account or apply for a mortgage through their app. You can download and access the app on a compatible device.

Of course! In fact, all of Atom Bank’s digital mortgages are accessed online via the Atom Bank app.

Atom Bank customers can call the customer support team on 0333 399 0050. Atom Bank respond most efficiently via email - you can reach them at [email protected] or [email protected].

You can also Tweet them at @AtomHelp.

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Get a mortgage with Trussle today

  • Our remortgage customers save an average of £171 a month*

  • Trussle is fee-free for most customers**

  • 5-star Trustpilot rating from over 5,000 reviews

  • 12,000 mortgage deals from 90 lenders

  • Skip the paperwork: apply online any time

*The savings figure is from Trussle mortgage customers in September 2022. **You may have to pay a fee depending on your circumstances and credit history. Learn more.

Your home could be repossessed if you don't keep up repayments on your mortgage.

You may have to pay an early repayment charge to your existing lender if you remortgage.

What people are saying about Trussle...


All information was sourced from Atom Bank’s own website, unless referenced below.

  1. DigitalMortgages.net