Good security, awful chat facility

Friendly to deal... Read more

Friendly to deal with.
Love signing in using my face! So easy :)
Good interest rates on my savings and great mortgage rate.
BUT - big issue with the chat - it reloads or times out* very* quickly, so in order to ask a question you must reduce it to as few words as possible, or else try to copy and paste while the thing reloads. If your paste doesn't work in time you have to start again... ?! Bewildering and bizarre.

Reviewed on 4th March 2021

Sarsarsar

Thanks for helping during covid

Atom's team was very helpful and the experience to request a payment holiday was totally stress free one compared to some others banks that I am dealing with. Thanks!

Reviewed on 10th July 2020

Ajay

No trust in their customers

I have saved hard to pay off my mortgage and now I am able to do so Atom bank are not allowing me without a list of additional proofs as to there the money is from. I am outraged by this. Having worked all my life and payed full taxes as PAYE, paying... Read more

I have saved hard to pay off my mortgage and now I am able to do so Atom bank are not allowing me without a list of additional proofs as to there the money is from. I am outraged by this. Having worked all my life and payed full taxes as PAYE, paying high interest rates to Atom bank on my mortgage and a high leaving fee they have the cheek to tell me to prove how I am paying my mortgage off. They have been happy to take my money with interest each month. The money is being paid from my Bank account which is paid to me by my employer. Who do they think they are? I will NEVER bank with them again. Greedy, distrusting and distrustful. I would give them zero stars if this was an option. I DO NOT recommend Atom bank.

Reviewed on 31st May 2020

WD

Excellent customer service and service

I have a mortgage with Atom and couldn’t be happier with their service and support as a home owner.

Reviewed on 27th March 2020

Lisa Marie

Awesome Atom

Brilliant customer service from end to end

Reviewed on 17th January 2020

Sarah Bell

Best Digital bank in Scotland

I became so frustrated with my high street bank and was looking for a new bank with a new look and vision. I found it in Atom bank. Moved commercial mortgage business over to them to test them out and now talking to the same guys to give them the rest... Read more

I became so frustrated with my high street bank and was looking for a new bank with a new look and vision. I found it in Atom bank. Moved commercial mortgage business over to them to test them out and now talking to the same guys to give them the rest of my business. It was so painless and took up very little of my valuable time.
Well done Atom. It’s time to expand in Scotland because I am always recommending you guys with no fear to my reputation.

Reviewed on 14th January 2020

Tony Kelly

Fantastic Digital Bank

Took a mortgage out with Atom Bank with an excellent rate (best in the market at the time). Fantastic communication from start to finish, everything went smoothly (you can't say that for a lot of mortgages), excellent customer... Read more

Took a mortgage out with Atom Bank with an excellent rate (best in the market at the time). Fantastic communication from start to finish, everything went smoothly (you can't say that for a lot of mortgages), excellent customer service.
The app is great with many ways on how to log in making it very personal for those who use it. Everything is held within the app so there is no need to keep paper copies - saving the planet!
Best experience i've had with any bank.

Reviewed on 14th January 2020

LFLINTER

Best and quickest experience

In comparison to other mortgage providers this was the smoothest and most efficient experience.

Reviewed on 14th January 2020

Phil

Outstanding

great mortgage provider - would recommend to anyone

Reviewed on 13th January 2020

JT

Easy.

Quick, straightforward and remarkably human for a digital bank!

Reviewed on 13th January 2020

GeordieT

Excellent service and use of tech

Every member of staff I have dealt with has been friendly and helpful. The platform is easy to use and my clients love it too. I need to mention the cost... rates have been brilliant which concludes a complete package to my clients.

Reviewed on 22nd November 2019

Sunjay Chauhan

Made the process so simple!

It was our first time applying for a mortgage and they made the whole process so simple. They offered us a great deal and assigned us a fantastic solicitor. I would, and have, recommend them to friends

Reviewed on 11th November 2018

Heather Shaw

New way of getting a mortgage

Just revolutionary with great service

Reviewed on 31st December 2017

Paul Hunt

Great service, great rate, annoying legals

I remortgaged to Atom as they had the market leading rate on a 5 year fix. the process was fairly smooth and the app made it easy to get the information and stay up to date. The one problem was the inefficiency of the law firm they chose to provide... Read more

I remortgaged to Atom as they had the market leading rate on a 5 year fix. the process was fairly smooth and the app made it easy to get the information and stay up to date. The one problem was the inefficiency of the law firm they chose to provide the (admittedly free) legal service. Perhaps I was unlucky in which firm was selected for me, but they missed my target completion date and so I had extra costs from higher interest rates with my original mortgage provider.

Edit: One thing I would add is that as the mortgage is app controlled, it can be difficult to read all the small print /T&Cs for the product on a phone. You can download to your phone these so that you don't get timed out of the app, but you may still need to crack out your varifocals.

Reviewed on 24th November 2017

Jonathan Evans

I would give zero if it was possible

Terrible company to deal with, after being accepted for a remortgage and then completing an approved valuation we were disgusted to be advised we were being classed as having mortgage appears as our current payments are collected at the end of the... Read more

Terrible company to deal with, after being accepted for a remortgage and then completing an approved valuation we were disgusted to be advised we were being classed as having mortgage appears as our current payments are collected at the end of the month. Having never missed a payment in 17 years they could not explain their decision and we have now went elsewhere. The delay caused by their incompetence has caused me hundreds of pounds. Avoid this company and don’t be attracted by the low rate. The sign up digital process was also a hassle and my wife’s set up was still not complete at the time we cancelled our application. This company has a lot to learn.

Reviewed on 28th October 2017

BC

much easier with a professional mortgage company

I had originally posted a review about 7 days back the review was terrible as the service was terrible however i have since used a proper mortgage company so glad i have i have already got my mortgage in place in less than 7 days dont waste your time... Read more

I had originally posted a review about 7 days back the review was terrible as the service was terrible however i have since used a proper mortgage company so glad i have i have already got my mortgage in place in less than 7 days dont waste your time with digital its like a police interrogation use a bank dont waste your time i see they like to post a reply but not with my review as they have no excuse USE A PROPER HIGH STREET COMPANY ITS YOUR BIGGEST PURCHASE IN LIFE DONT BE DICTATED TO

Reviewed on 9th October 2017

alun

a waste of my time

at the start of the application it was very good to the point i had approval (not hard with a credit score of 940)then only to find out that yet another person (gemma) has taken the case over and has requested more info again that has already been... Read more

at the start of the application it was very good to the point i had approval (not hard with a credit score of 940)then only to find out that yet another person (gemma) has taken the case over and has requested more info again that has already been supplied all this i thought ok its a mortgage and thats the way it works however i was asked to produce tenancy agreements for my existing tenants again fine but as we all know data protection does not allow me to share peoples info without permission as confirmed by my local authority i explained this and her response was i doubt that thats not how it works i was so tempted to tell her to look up the data protection act but given her tone i told her to put the application where the sun does not shine and im back in square 1 with 3 weeks lost thank you so much digital mortgages not 1 person will reply to any of my emails and this should be a big big warning to anyone thinking of using this service just dont you will waste time you will mess about the vendor and you will lose your dream house dont take the chance I am the stupid one for not reading the reviews before hand dont make the same mistake

Reviewed on 4th October 2017

alun

Awful

Awful experience. They've had my application for nearly a month and haven't actioned anything. Customer service has been non exsitant.

Reviewed on 20th August 2017

Cheryl Fulcher

Disappointment and time wasted!

We applied through Atom Bank for a remortgage to free up some equity in our house. The rate was competitive and the terms of the mortgage appealed to my Wife and I so we instructed our broker to progress. Affordability was fine, documentation was... Read more

We applied through Atom Bank for a remortgage to free up some equity in our house. The rate was competitive and the terms of the mortgage appealed to my Wife and I so we instructed our broker to progress. Affordability was fine, documentation was provided and a decision in principal was referred to the underwriters which I am told is common practice with a new mortgage lender. Digital required much more documentation than I have ever provided to a lender before, some of which was completely unnecessary. We were assigned a legal company for the conveyancing and a valuation visit was also booked. Out of the blue I received notification from the mortgage broker asking if I could explain transactions on my bank statement which showed adhoc payments being transferred to my parents....sums of money I choose to save each month, often coming back in to the account. I gave the explanation as required and thought no more of it as these payments were well within my surplus. After a week with no news I received a call from my broker advising that Digital 'didn't like the look of the payments to my parents' and had declined our application......3 weeks into the process! I am now in a position of having to push through the remortgage with another mainstream lender (whom, may I add, instantly approved us using all the same documentation) with only 3 weeks until my fixed rate ends.

My wife and I have exemplary credit records, have never missed a payment on any debt and passed the affordability check with ease.

Digital offer a very appealing rate but seemingly use odd criteria to determine whether or not to lend. If there was a solid reason for our rejection other than 'we don't like the look of the payments' I could appreciate their stance however I am left baffled and almost out of time......

EDIT following a response from Atom on TrustPilot and a phone call with them......

This was apparently a stress test taking into account the amount I save each month - which is obviously something I can stop immediately. Conclusion - they don't seem capable of assessing affordability correctly. The stress test was attempted with interest rates reaching 5% which I'm sure you'll agree isn't going to happen anytime soon. In addition I was applying for a fixed rate!

Reviewed on 8th August 2017

Daniel Cole

Awful experience - do not use!

My partner & I were looking to purchase our first home and our broker suggested Atom banks digital mortgages. He said they were a new bank that would lend us the amount we needed for the first house of our dreams, he also said that as they were an... Read more

My partner & I were looking to purchase our first home and our broker suggested Atom banks digital mortgages. He said they were a new bank that would lend us the amount we needed for the first house of our dreams, he also said that as they were an 'only digital' bank they would be the quickest option as our seller was looking for a quick sale. We were obviously very excited when they offered us a mortgage in principle and we began to plan for our new home once they accepted our paperwork and put the property forward for valuation. Other lenders check and approve the borrower before sending the property to be valued (i.e they check that they will lend to the person before checking that they will lend on the property) so us & our broker assumed that Atom had approved of us and just needed to check on the property. This is not the case with Atom. The property was valued and came back fine, we were then told to wait 48 hours for our official mortgage offer. Atom has appointed a solicitor to us and we were told to pay £300 for the search fees - again, we assumed that we were going to be accepted as the property has been sent for valuation and all had been fine so far. 4 days later, and after paying £300 for the solicitor searches that atom had appointed to us and a further £350 valuation fee, Atom declined our mortgage.

Our broker advised us that most lenders do not unnceccesarily charge for valuation fees if they do not plan to lend to the borrower, so he requested a refund of the valuation fees. Atom declined this request and refused to refund our valuation fee.

So now, not only are we £650 down, we are totally disheartened because of this awful experience of trying to purchase our first property. We ended up losing the house that we loved because of this. DO NOT USE THIS BANK!

Reviewed on 10th April 2017

L Watson