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Atom Bank: Mortgages reviews

Name: Mortgages
Rating: 3.92 (50 reviews)

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3.82

Based on 50 reviews, last reviewed 15th Jun 2025

No new 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.

Atom Bank Mortgages reviews (50)

Review of the Atom Bank, Mortgages:

Horrific experience AVOID

We were a pilot for Atom bank mortgages via our broker. It started off very well, but progressively got worse to the point that 10 days before the completion date , the app would not let me sign the terms and conditions. We were abroad and Atom bank did not reply to any emails, as not only were they having app problems, but apparently their emails were not working either. It totally ruined our few days away whilst we were going a simple remortgage , as Atom did not liaise with us, the broker, or even their own solicitors. In the end they emailed us 3 days after the initial problems telling us to use yet another code, and then phone them etc... we decided not to go through the remortgage With them , as they never apologised, or kept us informed about rectifying the problems , and we were left to deal with it alone . Do not jeapordise your home , or more importantly peace of mind, by taking out a mortgage with Atom bank ! Reviewed on: 27th February 2017

Reply from Atom Bank Hi Meera Firstly, thanks for taking the time to leave a review. We are new and always listening to our customers to see what we can do better and what we can learn from. Most importantly, you’ve not had the experience that our other customers are enjoying and that’s hugely disappointing to hear. We’ve taken everything you’ve said on board and are already investigating what’s gone wrong here. We’ll be in touch with you shortly. Thanks Nina Athey Atom bank Response date: 1st March 2017

Nice app & good service

Good customer service when needed and very nice app to monitor mortgage and make overpayments. Reviewed on: 3rd April 2023

Excellent Bank.

Great Bank to work quick set up service superb service, Reviewed on: 3rd March 2023

Quick decision

Quick decision and good terms. Broker very helpful. Reviewed on: 2nd March 2023

Go full Digital mortgage

Atom is offering various digital mortgage products and many more benefits of dealing mortgage product via APP on your phone. its the first digital mortgage business running bank in UK. Reviewed on: 2nd March 2023

Technology forward

Given the current climate within the industry, auto-offers are fantastic for customer experience. Reviewed on: 2nd March 2023

Amazing service

Absolutely amazing company. Quick, responsive and generally amazing customer experience Reviewed on: 21st February 2023

Miruna

Recomand cu incredere este specială Reviewed on: 24th January 2023

The spiders web

Very easy to get into Aton Bank and extremely difficult to leave. Even if you don’t want any interest and want to move your money you can’t. So you then have the old guard banking syndrome of it’s not your money it’s our money and you just say thank you for the privilege. Be aware you will be quoted all their T & C’s that are written by them and for them. Needless to say I won’t be using them again and my advice is don’t enter into their fixed agreements as you have to declare and prove a hardship clause which will be reviewed and decided by them if you qualify. Still not 2022 it’s more like 1922 - archaic! Reviewed on: 7th November 2022

A simple mortgage port NOT simple

I am still waiting for my mortgage port to be offered, it’s been over 8 weeks of one issue after the next, along with total inaction. The app shows application submitted twice over a 4 week period despite the message saying a decision would be made with 1-2 weeks. Getting nowhere and now delaying exchange Reviewed on: 16th June 2022

Offered us a mortgage within days

After being a little sceptical about taking out a mortgage with an online bank, we were over the moon to find that we received our mortgage offer within 2 days after applying! Reviewed on: 26th May 2022

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