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Atom Bank: Mortgages reviews

Name: Mortgages
Rating: 3.92 (50 reviews)

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3.86

Based on 50 reviews, last reviewed 15th Jun 2025

67% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

70%

3 star

2 star

26%

Latest highest rating:

5

Great Customer Service and Easy Process I have my first mortgage with Atom Bank. Application process was smooth and their customer service is superb. Reviewed on: 15th June 2025

Latest lowest rating:

1

Name must be on the mortgage to live there Basically applied for a mortgage and got accepted only to find out that me and my boyfriend cannot live together as he won’t be on the mortgage. He is... Read more Reviewed on: 2nd August 2024

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About this product

Atom Bank was the UK’s first app-based banking provider. It offers a range of ‘digital-first’ services, including a variety of mortgage products. Before committing to a new mortgage, always make sure you’re confident with the Ts and Cs and interest rate. Speak with the lender or an independent advisor if you need help understanding your options.

Buying your dream home might be the biggest investment you ever make, so finding the right mortgage deal is important. We collect Atom Bank digital mortgage reviews to give you valuable insight into the product. Make an informed decision when choosing your mortgage by reading the reviews on Smart Money People.

Opting for a digital bank can be daunting, but our reviews can help you understand the options available to you. Learn why existing borrowers chose Atom Bank as their lender and what the main differences are with a digital mortgage. Find out how satisfied borrowers are with Atom Bank’s customer service. Learn whether they would recommend the digital mortgage to family and friends. All of this and more can be found in our Atom Bank digital mortgage reviews.

If you have a digital mortgage with Atom Bank, write an honest review on Smart Money People today. Why did you choose a digital bank as your mortgage lender? What are the main differences you’ve experienced compared to a traditional lender? What was the application process like and was it easy to understand? Does the lender keep you up to date with any important mortgage news and changes? Whether good or bad, write an honest Atom Bank digital mortgage review. Together, we can help others like you make better financial decisions.

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Atom Bank Mortgages reviews (50)

Great Customer Service and Easy Process

I have my first mortgage with Atom Bank. Application process was smooth and their customer service is superb. Reviewed on: 15th June 2025

The process from DIP to offer has been very smooth s...

The process from DIP to offer has been very smooth sailing and quick! Service was amazing with regular communication by email and within their app. I love that you can check the case status from the app! The underwrite was very quick during the application review as each time documents were uploaded they were satisfied within under 24h. How amazing! Will highly recommend this lender! It was so interesting had to check watch the CEO vlog on what the aim of the bank within the market and service was 1# which you can really feel they took time meet this expectation. You don’t get this anywhere else! Reviewed on: 4th March 2025

Really easy mortgage experience for first time buyers

Really easy mortgage experience for first time buyers Reviewed on: 28th February 2025

The bestest and quickest service ever!

Atom’s service was phenomenal! Very fast, quick and easy. Regular updates from the DIP being submitted, Application, Valuation to the offer being issued. All in a week. Would highly recommend Atom to our family. Love that we can access our documents via the app and able to track the progress of your application. Love the app, it is very slick and let’s not start on the Underwriting! Absolutely fantastic and quick! Reviewed on: 18th February 2025

Name must be on the mortgage to live there

Basically applied for a mortgage and got accepted only to find out that me and my boyfriend cannot live together as he won’t be on the mortgage. He is a student and is due to qualify next august but until then they won’t allow him to move in. I have had to sign paperwork stating he won’t live there etc but now I have been refused the mortgage as they do not believe that he won’t live there before being added on to the mortgage. What sort of company won’t allow someone to live in a property without being on the mortgage…..its crazy Reviewed on: 2nd August 2024

Smashing at everything.

Smashing at everything. couldn't ask for more Reviewed on: 15th January 2024

Customer over the moon

Client can to me wanting a mortgage had a few defaults form his x dipped and offered with atom in less than 5 mins Reviewed on: 15th January 2024

Mortgage In a Minute

Simple and automated application and supportive retention process. Happy days! Reviewed on: 11th January 2024

Atom are brilliant at Mortgages!

Ahhh Atom are brilliant at Mortgages! The application through to offer is truly digital, open and transparent! Fantastic in 2 mortgages I've done with them. So much so I've brought my savings over! Reviewed on: 11th January 2024

Criminals

Where to start with this company! If I can stop at least 1 person using this awful company I’ll be happy! I have a mortgage with atom and in the 18 months since I took it out I’ve had issue after issue, having to use a broker to change the payment date being the 1st, 2nd was they agree to further borrowing (10k) then again you pay your broker to submit paperwork they’ve then changed policy to min of 25k, get my house valued by a local company numbers add up, again submit paperwork, atom use a Zoopla valuation to decline! Fast forward a year and I’ve sold my house and want to port my mortgage, great I can and it’s at same rate! Me knowing atom move the goalposts was shocked at that but eventually they did and I’ve now lost a sale and payed out hundreds of pounds! Cut my affordability by nearly 50k for the same 3 children that don’t live with me and didn’t 18 month ago when the happily gave me a mortgage! (Ages 15,9,7) and used the excuse the pics online of my house show there is children!! Yes the same ones that were there when you gave me a mortgage! Absolute criminals these people wait for you to pay brokers then move the goalposts! Reviewed on: 16th April 2023

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