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Atom Bank: Mortgages reviews

Name: Mortgages
Rating: 3.9 (49 reviews)

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3.84

Based on 49 reviews, last reviewed 4th Mar 2025

300% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

69%

3 star

2 star

27%

Latest highest rating:

5

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 ... Read more Reviewed on: 4th March 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....

Atom Bank Mortgages reviews (49)

Review of the Atom Bank, Mortgages:

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 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

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 decla... 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

Efficient

Our mortgage applications was done in such short time. The app is super easy to use and the whole process is effortless Reviewed on: 16th March 2022

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