Atom Bank is a UK-based, app-only digital bank. It was the UK's first bank built exclusively for smartphones and tablets to be granted a full regulatory licence. Under its "Digital Mortgages" brand, it offers a range of residential and commercial mortgage products.
A key feature of Atom Bank's mortgage service is that for new customers, it is exclusively an intermediary-led lender. This means you cannot apply for a new mortgage directly with them as a member of the public. Instead, their products are accessed via an independent mortgage broker.
At Money Helpdesk we have access to every lender across the market, so we can act as an intermediary for you, should you choose to apply with Atom Bank. You can access the latest rates from this lender below and compare them with the rest of the market for free.
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About Digital Mortgages by Atom Bank
Atom Bank's mortgage proposition is built on using technology to create a faster, more transparent process. While the application is submitted by a broker, the bank's automated systems can lead to very fast decisions, sometimes on the same day.
Once an application has been submitted, customers can use the Atom Bank app to track its progress at every stage, from submission to valuation and final offer. This app-based tracking is a core part of its "digital mortgage" experience, designed to reduce the uncertainty that can be felt during a traditional mortgage application.
Mortgage Products
Atom Bank offers a focused range of residential mortgage products for customers in England, Wales, and Scotland. Their product set includes:
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First-Time Buyers: Mortgages for those getting onto the property ladder, with options for 95% Loan-to-Value (LTV) products
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Home Movers: Standard mortgages for those buying a new home
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Remortgaging: Products for homeowners looking to switch their deal from another lender
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Near prime mortgages: This is a specialist area of lending designed for borrowers who may not have a perfect credit history. It may suit applicants with minor credit issues, such as a past missed payment, default, or County Court Judgement (CCJ)
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Product Transfers: For existing Atom Bank mortgage customers, the bank offers a range of product transfer deals. Customers may be able to switch to a new rate directly with the bank, without needing a broker
Compare today's best mortgage rates
We work with 90+ UK mortgage lenders, including Digital Mortgages. You can use our service to compare mortgage rates from across the market to find the right deal.
Our mortgage sourcing tool is FREE and will show you the latest deals from Digital Mortgages and others so you can make an informed decision about which to choose.
Click the button below to get started comparing the entire market for free.
Pros and Cons of an Atom Bank Mortgage
Here is a balanced overview of the advantages and disadvantages of choosing Atom Bank for your mortgage.
Pros:
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Speed and efficiency: Atom's technology and automated processes can result in significantly faster application-to-offer times compared to traditional lenders
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Application tracking: The customer-facing app provides excellent, real-time transparency, allowing you to see exactly where your application is in the queue
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Specialist "Near prime" lending: Atom provides a clear solution for borrowers with "less-than-perfect" credit, a market that many high-street lenders avoid
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Award-winning: The bank has won "Best Online Mortgage Lender" at the What Mortgage Awards for seven consecutive years, reflecting positive customer feedback
Cons:
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Broker-only access: New customers must use a mortgage broker. You cannot apply directly, which may not suit those who prefer to manage the process themselves
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App-only: As a digital-only bank, there are no branches or call centres for mortgage applications. All service is via the app or your broker
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Rates can be less competitive: While strong in its specialist niches, independent reviews (like those from Which?) have noted that its standard "Prime" mortgage rates are not always the most competitive on the market
Customer Service and Reviews
Atom Bank generally receives very positive reviews and has a high rating on Trustpilot. For mortgages specifically, customer feedback is largely positive, particularly regarding the speed of the application process and the usefulness of the in-app tracking. A 2025 review from Which? gave Atom a customer score of 72%, which was slightly below the industry average but included many positive comments.
How to Apply for a Mortgage with Atom Bank
As a new customer, you cannot apply directly to Atom Bank. The process is as follows:
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Find an Independent Mortgage Broker: You must find a mortgage adviser or broker who is on Atom Bank's approved panel.
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Track Your Application: Once the application is submitted, you will be prompted to download the Atom Bank app which you can use to accept your Mortgage Illustration (KFI) and track your application's progress in real-time.
Get started here to begin a free, no-obligation chat with a broker who specialises in Atom Bank's products, can help you access them and compare them against the market for you for free.