Atom Bank
Challenger BankAtom Bank is the UK's first app-only bank, offering residential and buy-to-let mortgages with competitive rates driven by low overhead costs. Based in Durham, Atom has challenged traditional banking by delivering a fully digital mortgage application experience with human support when needed.
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Lending Focus
Atom Bank offers mortgage products across 2 categories including Residential, Buy-to-Let.
Key Features
- App-based mortgage management and application
- Competitive rates driven by digital-first low-cost model
- Available direct and through mortgage brokers
- Residential mortgages up to 90% LTV
- Buy-to-let products for individual landlords
Pros & Cons
Pros
- UK's first app-only bank — fully digital mortgage experience
- Competitive rates driven by low overhead, digital-first model
- Available both direct and through mortgage brokers
- High LTV of up to 90% for residential mortgages
Cons
- –No physical branches — all interactions are digital
- –Does not offer bridging, commercial, or specialist lending
- –Limited product range compared to high-street banks
Fees & Charges
Arrangement Fee
No arrangement fee on most products — product-dependent
Valuation Fee
Free valuation on many products — otherwise varies by property value
Early Repayment Charge
Typically 1–5% depending on product and remaining term
Overpayment Allowance
Up to 10% of outstanding balance per year
Mortgage Rates
Rate data coming soon
We're working on adding live mortgage rate information for Atom Bank. In the meantime, visit their website for the latest rates.
View rates on Atom BankApplication Process
Processing Time
2–4 weeks from application to offer
Online DIP
Yes — available online
Offer Valid For
6 months from date of offer
Lending Criteria
Maximum LTV
90%
Frequently Asked Questions
Is Atom Bank a real bank?
Can I apply for an Atom Bank mortgage through a broker?
Does Atom Bank offer buy-to-let mortgages?
What is the maximum LTV for an Atom Bank mortgage?
How to Apply
Direct & Broker Access
You can apply directly with Atom Bank or through a mortgage broker. Using a broker gives you access to the whole market and may secure better terms. Find a broker
Contact Information
Need a Atom Bank Broker?
Find FCA-regulated mortgage brokers who have Atom Bank on their lender panel.
Find a BrokerRegulatory Status
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.