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Digital Mortgages Mortgage Rates & Fees Comparison

Digital Mortgages offers a range of fixed and variable rate mortgages that could be suitable for you.

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By

Matthew Boyle

Updated

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Digital Mortgages is a venture from digital-only Atom Bank. The company has been operating an intermediary-only lending service since 2016, drawing customers with its competitive rates, effective technology and easy application process.

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’s mortgage rates

Updated daily
Name Product Initial rate Revert rate (SVR) Maximum LTV Borrower type Overall cost for comparison Cashback Apply link
Digital Mortgages by Atom Bank 30/09/2028 Fixed
Digital Mortgages by Atom Bank 30/09/2028 Fixed
4.79% fixed until 30/09/2028
6.99% variable
60%
First-time buyer, Moving home
6.2% APRC
View details
Digital Mortgages by Atom Bank 30/09/2028 Fixed
Digital Mortgages by Atom Bank 30/09/2028 Fixed
4.79% fixed until 30/09/2028
6.99% variable
60%
Remortgaging
6.2% APRC
View details
Digital Mortgages by Atom Bank 30/09/2028 Fixed
Digital Mortgages by Atom Bank 30/09/2028 Fixed
4.84% fixed until 30/09/2028
6.99% variable
75%
Remortgaging
6.3% APRC
View details
Digital Mortgages by Atom Bank 30/09/2028 Fixed
Digital Mortgages by Atom Bank 30/09/2028 Fixed
4.84% fixed until 30/09/2028
6.99% variable
75%
First-time buyer, Moving home
6.2% APRC
View details
Digital Mortgages by Atom Bank 30/09/2028 Fixed
Digital Mortgages by Atom Bank 30/09/2028 Fixed
4.89% fixed until 30/09/2028
6.99% variable
60%
Remortgaging
6.2% APRC
View details
Digital Mortgages by Atom Bank 30/09/2028 Fixed
Digital Mortgages by Atom Bank 30/09/2028 Fixed
4.89% fixed until 30/09/2028
6.99% variable
80%
Remortgaging
6.3% APRC
View details
Digital Mortgages by Atom Bank 30/09/2028 Fixed
Digital Mortgages by Atom Bank 30/09/2028 Fixed
4.89% fixed until 30/09/2028
6.99% variable
60%
First-time buyer, Moving home
6.2% APRC
View details
Digital Mortgages by Atom Bank 30/09/2028 Fixed
Digital Mortgages by Atom Bank 30/09/2028 Fixed
4.89% fixed until 30/09/2028
6.99% variable
80%
First-time buyer, Moving home
6.3% APRC
View details
Digital Mortgages by Atom Bank 30/09/2028 Fixed
Digital Mortgages by Atom Bank 30/09/2028 Fixed
4.94% fixed until 30/09/2028
6.99% variable
75%
Remortgaging
6.3% APRC
View details
Digital Mortgages by Atom Bank 30/09/2028 Fixed
Digital Mortgages by Atom Bank 30/09/2028 Fixed
4.94% fixed until 30/09/2028
6.99% variable
75%
First-time buyer, Moving home
6.2% APRC
View details
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Overall representative example
If you borrow £178,000 over a 25-year term at 4.56% p.a. (fixed) for 60 months reverting to 7.50% p.a. (variable) for the remaining term, you would make 60 monthly payments of £995.45 and 240 monthly payments of £1261.11. The total payable would be £362,773.40, which includes the interest of £184,393, valuation fees of £0 and a product fee of £0. The overall cost for comparison is 6.4% APRC representative.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

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).

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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