Atom Bank was founded in 2014 as the UK's first app-based bank and was the country's first digital-only bank. They offer mortgages with up to 95% LTV on a range of fixed and variable rate mortgages.

What are the mortgage products Atom Bank offers?

Atom Bank offers savings accounts, a range of mortgages & business loans to their customers.

How can I apply for an Atom Bank mortgage product?

Atom first time buyer mortgages and new customer mortgages are only available through independent brokers, other products can be applied for via the banking app directly.

Can Atom Bank help residential mortgage customers?

Both residential and buy-to-let mortgages are available at Atom Bank.

Can Atom Bank help Self-employed mortgage customers?

Atom Bank offers mortgages to the self -employed. Applicants must have been self-employed for a minimum of two to three years and the business must have been profitable throughout that time.

Can Atom Bank help first time buyer mortgage customers?

Atom Bank has a range of mortgages to choose from, including low deposit options, with LTVs up to 95%.

Can Atom Bank help adverse mortgage customers? Or customers with poor credit rating?

Atom Bank has some conditions for adverse credit applicants. Applications with more than one instance of adverse credit history will be declined and adverse credit will limit LTV to 85%.

Can Atom Bank help later life or retired mortgage customers?

Atom Bank states that the applicant should be no more than 80 years old at the end of the mortgage term.

Can Atom Bank help with second charge mortgages, secured loan or homeowner customers?

Atom Bank will only allow second charge mortgages to remain if the bank is granted the first legal charge over the property.

Can Atom Bank help buy to let mortgage customers?

Atom Bank does not currently offer buy to let mortgages.

Can Atom Bank help with commercial or short-term mortgage customers?

Atom Bank does not currently offer commercial mortgages.

What Credit scoring agency does Atom bank use?

Atom uses Credit Kudos for credit scoring.