Write a review

Go to business site

Atom Bank: Mortgages reviews

Name: Mortgages
Rating: 3.92 (50 reviews)

View other Atom Bank products

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

Read all reviews See your review

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:

Awful experience - do not use!

My partner & I were looking to purchase our first home and our broker suggested Atom banks digital mortgages. He said they were a new bank that would lend us the amount we needed for the first house of our dreams, he also said that as they were an 'only digital' bank they would be the quickest option as our seller was looking for a quick sale. We were obviously very excited when they offered us a mortgage in principle and we began to plan for our new home once they accepted our paperwork and put the property forward for valuation. Other lenders check and approve the borrower before sending the property to be valued (i.e they check that they will lend to the person before checking that they will lend on the property) so us & our broker assumed that Atom had approved of us and just needed to check on the property. This is not the case with Atom. The property was valued and came back fine, we were then told to wait 48 hours for our official mortgage offer. Atom has appointed a solicitor to us and we were told to pay £300 for the search fees - again, we assumed that we were going to be accepted as the property has been sent for valuation and all had been fine so far. 4 days later, and after paying £300 for the solicitor searches that atom had appointed to us and a further £350 valuation fee, Atom declined our mortgage. Our broker advised us that most lenders do not unnceccesarily charge for valuation fees if they do not plan to lend to the borrower, so he requested a refund of the valuation fees. Atom declined this request and refused to refund our valuation fee. So now, not only are we £650 down, we are totally disheartened because of this awful experience of trying to purchase our first property. We ended up losing the house that we loved because of this. DO NOT USE THIS BANK! Reviewed on: 10th April 2017

Reply from Atom Bank Hello L Watson Thanks for taking the time to leave a review, we really appreciate all feedback, especially if it helps us to make improvements. As our mortgages are still new, it’s even more important that we listen to our customers and keep making things better where we can. It’s very disappointing for us to hear you didn’t have a good experience and we’d like to ensure that we deal with this properly for you. Our team are investigating the specific details of your application and will be in touch with you really soon. Speak to you soon, Atom bank Response date: 21st April 2017

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

Thinking a caring for people seems to be one of your top priorities

I know people who work for Atom and they love working for Atom ...Happy workers ..Happy customer Reviewed on: 3rd March 2022

Fast & furious :)

Great Bank. Easy to use app. And once we got our valuation report the mortgage was offered the same day. Super fast and super easy Reviewed on: 3rd March 2022

Fabulous service

Great rates and amazing customer service Reviewed on: 1st March 2022

Excellent

Brilliant service very stress free Reviewed on: 1st March 2022

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

Do you have a different Atom Bank product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Fixed Rate Mortgage
from Ulster Bank 4.17 from 6 reviews
Mortgages
from Teachers Building Society 4.33 from 5 reviews
Mortgage
from Metro Bank 3.10 from 38 reviews

Want to see more from Atom Bank?

Savings
from Atom Bank 4.92 from 4594 reviews
Business Loans
from Atom Bank 4.26 from 7 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub