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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:

Disappointment and time wasted!

We applied through Atom Bank for a remortgage to free up some equity in our house. The rate was competitive and the terms of the mortgage appealed to my Wife and I so we instructed our broker to progress. Affordability was fine, documentation was provided and a decision in principal was referred to the underwriters which I am told is common practice with a new mortgage lender. Digital required much more documentation than I have ever provided to a lender before, some of which was completely unnecessary. We were assigned a legal company for the conveyancing and a valuation visit was also booked. Out of the blue I received notification from the mortgage broker asking if I could explain transactions on my bank statement which showed adhoc payments being transferred to my parents....sums of money I choose to save each month, often coming back in to the account. I gave the explanation as required and thought no more of it as these payments were well within my surplus. After a week with no news I received a call from my broker advising that Digital 'didn't like the look of the payments to my parents' and had declined our application......3 weeks into the process! I am now in a position of having to push through the remortgage with another mainstream lender (whom, may I add, instantly approved us using all the same documentation) with only 3 weeks until my fixed rate ends. My wife and I have exemplary credit records, have never missed a payment on any debt and passed the affordability check with ease. Digital offer a very appealing rate but seemingly use odd criteria to determine whether or not to lend. If there was a solid reason for our rejection other than 'we don't like the look of the payments' I could appreciate their stance however I am left baffled and almost out of time...... EDIT following a response from Atom on TrustPilot and a phone call with them...... This was apparently a stress test taking into account the amount I save each month - which is obviously something I can stop immediately. Conclusion - they don't seem capable of assessing affordability correctly. The stress test was attempted with interest rates reaching 5% which I'm sure you'll agree isn't going to happen anytime soon. In addition I was applying for a fixed rate! Reviewed on: 8th August 2017

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

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

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