Atom Bank mortgage review
Atom Bank is an app-based mortgage lender that prides itself on simplicity. It promises to pass the savings from low overhead on to customers.
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Atom Bank is a mortgage lender that you can only access through a smartphone app. It became the UK’s first smartphone-based bank when it launched in April 2016.
The bank prides itself on simplicity and passes on the savings from having no branches to its customers. This leads to ultra-competitive mortgage rates.
In order to access Atom Bank mortgages, each applicant has to own a compatible smartphone. You’ll monitor the application process and conduct customer service queries through the Atom Bank app.
The bank aims to take the stress out of applying for a mortgage through this streamlined application process.
We've teamed up with L&C Mortgages to help you compare live rates from over 80 lenders.
The first step to applying for an Atom Bank mortgage is to speak to one of its independent brokers. These brokers are regulated by the Financial Conduct Authority and will only recommend an Atom Bank mortgage if it’s suitable for your needs. There is a list of brokers that work with Atom Bank, including their contact details, on the lender’s website.
If you’re happy with the mortgage recommended to you, the broker will pass your application onto Atom Bank. You can monitor the progress of your application within the Atom Bank app. All further communications about your application will take place via the app too.
The app is available on the newest versions of iOS and Android.
Atom Bank encourages you to conduct all customer service queries via its smartphone app. However, it also provides an email address (info@atombank.co.uk) and a phone number (0333 399 050) for you to get in touch. Customer service is available 24 hours a day.
Eligibility criteria
To be recommended and approved for an Atom Bank mortgage, you’ll have to meet the following criteria:
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