Atom Bank Digital Mortgages Reviews

  Ratings based on 23 reviews       Last review 4 months ago    
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Wondering if a “digital mortgage” from Atom bank is right for you? Take a look at our reviews from people with the mortgage to see what they have to say about using the UK's first “digital” bank. For now, only Available to intermediaries, Atom hope to ...

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Wondering if a “digital mortgage” from Atom bank is right for you? Take a look at our reviews from people with the mortgage to see what they have to say about using the UK's first “digital” bank. For now, only Available to intermediaries, Atom hope to shake up the banking sector by offering digital-first products. Are you already an Atom Bank customer with one of their digital mortgages? Please leave a quick review of how you found the application process, the rates offered, and everything else! With the power of your reviews, we're helping drive change in financial services.

Overall Rating

Great

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Atom Bank Review Insight

What are people saying in their reviews?

Customer Service

50% of feedback is Process related

Customer profile

Top Age Profile: 25-34

Top Channel Preference: Online

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Your Digital Mortgages Reviews

23 reviews

Review Atom Bank's Digital Mortgages now

Simply fantastic

Easy to use app and great customer service

Reviewed on 26th March 2021
Joe walsh's avatar
Joe walsh
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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's avatar
Sarsarsar
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Fabulous

Would definitely use Atom for future products

Reviewed on 2nd March 2021
Sonja Todd's avatar
Sonja Todd
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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's avatar
Ajay
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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's avatar
WD
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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's avatar
Lisa Marie
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Awesome Atom

Brilliant customer service from end to end

Reviewed on 17th January 2020
Sarah Bell's avatar
Sarah Bell
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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's avatar
Tony Kelly
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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's avatar
LFLINTER
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Best and quickest experience

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

Reviewed on 14th January 2020
Phil's avatar
Phil
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Outstanding

great mortgage provider - would recommend to anyone

Reviewed on 13th January 2020
JT's avatar
JT
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Easy.

Quick, straightforward and remarkably human for a digital bank!

Reviewed on 13th January 2020
GeordieT's avatar
GeordieT
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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's avatar
Sunjay Chauhan
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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's avatar
Heather Shaw
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New way of getting a mortgage

Just revolutionary with great service

Reviewed on 31st December 2017
Paul Hunt's avatar
Paul Hunt
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Reply from Atom Bank

Thanks for your feedback Paul. It's lovely to see that you were pleased with the service.

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's avatar
Jonathan Evans
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Reply from Atom Bank

Hi Jonathan, Thanks for such great, detailed feedback. It is feedback like this that allows us to understand what we can improve upon, as well as feel proud of what we do well. So thank you for being so open. It's great to have you on board Jonathan. Have a great week, and enjoy banking with Atom. PM.

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's avatar
BC
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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's avatar
alun
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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's avatar
alun
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Reply from Atom Bank

Hi Alun, It's disappointing to read you've your negative experiences as you began applying for mortgages, and grown dissatisfied with the way the application was being handled. I'd like to thank you for your review, albeit not being positive, it will allow us to grow in awareness of where improvements can be made and customer feedback is vital in allowing us to do exactly that. Thank you for taking your time to leave this review Alun. PM

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's avatar
Cheryl Fulcher
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Reply from Atom Bank

Hi, Thank you for your feedback. I can see your feedback is in relation to a mortgage application. If you contact your broker they should be able to give you an update on what's happening with your application and what the next steps are. Your broker is in place to help with any inquiries you have during the period of your application, but if you feel this is definitely not the case after several attempts of getting clarification, you have the option to contact us and make us aware of any concerns you may have. I hope this information helps. Many thanks.