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Atom Bank: Mortgages reviews

Name: Mortgages
Rating: 3.83 (46 reviews)

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3.61

Based on 46 reviews, last reviewed 2nd Aug 2024

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

68%

3 star

2 star

28%

Latest highest rating:

5

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

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 (46)

Review of the Atom Bank, Mortgages:

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

Excellent remortgage process

I have recently remortgaged to atom bank by using a mortgage broker ...within 2 hours I had a mortgage offer and within 4 weeks to completion ..their app is amazing and so easy to use and navigate best experience so far and I would recommend to all my friends and family Reviewed on: 21st February 2022

Mortgage Broker less than impressed

After speaking to Atom bank multiple times about my case before submission to make sure it would be applicable to them, which all members of staff I spoke to confirmed, straight after submission my application was declined due to the criteria I had raised on the phone multiple times before submitting. I would hope that any self respecting financial institution would take the time and care to train their telephone staff to a basic level of competency on their lending criteria but it seems for Digital Mortgages and Atom Bank, this is a seriously tall order. Reviewed on: 13th January 2022

Simply fantastic

Easy to use app and great customer service Reviewed on: 26th March 2021

Good security, awful chat facility

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

Fabulous

Would definitely use Atom for future products Reviewed on: 2nd March 2021

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

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 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

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

Awesome Atom

Brilliant customer service from end to end Reviewed on: 17th January 2020

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

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