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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. 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 (49)

Review of the Atom Bank, Mortgages:

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 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

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 Response date: 17th October 2017

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

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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