Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Digital Mortgages Mortgage Rates & Fees Comparison
Digital Mortgages offers a range of fixed and variable rate mortgages that could be suitable for you.
Updated
A true product of the digital age, the company doesn’t have branches or a sales team – most of the process is done through the purpose-built app or with the help of their telephone and e-mail support teams.
Compare Digital Mortgages by Atom Bank mortgages
Overall representative example
If you borrow £170,000 over a 25-year term at 1.75% p.a. (fixed) for 62 months reverting to 4.74% p.a. (variable) for the remaining term, you would make 62 monthly payments of £700.04 and 238 monthly payments of £912.95. The total payable would be £261,424.58, which includes interest of £90,685 and a product fee of £495. The overall cost for comparison is 3.6% APRC representative.
If you borrow £170,000 over a 25-year term at 1.75% p.a. (fixed) for 62 months reverting to 4.74% p.a. (variable) for the remaining term, you would make 62 monthly payments of £700.04 and 238 monthly payments of £912.95. The total payable would be £261,424.58, which includes interest of £90,685 and a product fee of £495. The overall cost for comparison is 3.6% APRC representative.
What types of mortgages can I get with Digital Mortgages?
- Fixed rate With this mortgage, your interest rate will remain locked for a set period of time. After your fixed-rate period ends, you’ll be switched onto the lender’s standard variable rate.
- Remortgages You can switch from your existing mortgage provider to Atom Bank by applying for one of its remortgage products.
- Tracker With this mortgage, your interest rate shifts up and down in line with the Bank of England base rate.
- Buy to let A buy-to-let mortgage is needed to borrow money for the purchase of an additional property to the one you’re living in.
How to apply
All mortgage applications are handed exclusively through the Atom Bank mobile app.
What information do I need to provide?
You’ll need to provide personal details and financial information, including details of your address history, income and regular outgoings. You may be asked to back up this information by uploading documents using the Atom Bank app.
How do I contact Digital Mortgages?
There is a customer service feature available on the mobile app. Alternatively, call 0333 399 005, tweet @digitalmortgages or email support@digitalmortgages.net.
Eligibility criteria
You must be a UK resident or a European Economic Area resident who has been living in the UK for at least 12 months. You must be at least 18 years old. Your mortgage term must be due to end before you turn 85.
You’ll need a minimum annual income of £16,000 to be considered. Atom Bank will lend no more than 4.75 times the earnings of the applicant(s).
Compare Digital Mortgages using a mortgage broker
There are huge benefits to choosing to use a mortgage broker to help you get the right deal. They will do all of the hard work and research for you. They are experts in comparing the hundreds of loans and lenders out in the market based on your individual needs and eligibility, so you won’t have to worry about being forced into a deal. Your broker will also negotiate with your chosen lender on your behalf to make sure you are getting the right deal for you.
L&C work with over 80 different mortgage lenders, including Digital Mortgages, giving you a great opportunity to compare different mortgage deals in the market. To apply for a mortgage through L&C click the link below.
London and Country Mortgage Experts
L&C is a specialist broker offering mortgage comparison & free advice.
- Compare over 80 mortgage lenders
- Fee FREE mortgage advice
- Personal customer service from start to finish
- Open 7 days a week
The finder.com mortgage service is provided by London & Country Mortgages (L&C). Beazer House, Lower Bristol Road, Bath BA2 3BA.
L&C are authorised and regulated by the Financial Conduct Authority (reg no. 143002). Please note the FCA does not regulate most Buy to Let mortgages.
L&C are authorised and regulated by the Financial Conduct Authority (reg no. 143002). Please note the FCA does not regulate most Buy to Let mortgages.
Find a mortgage using a broker to compare the market
Mojo Mortgages
The Mojo mortgage calculator compares rates in less than one minute. A free online mortgage broker.
L&C
The UK's largest fee-free mortgage broker and adviser. No hidden costs. L&C compares rates from over 80 lenders.
Simply Adverse
Simply Adverse is a national mortgage broker specialising in sourcing mortgages for people with bad credit.Frequently asked questions
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.
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