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Atom Bank: Mortgages reviews

Name: Mortgages
Rating: 3.92 (50 reviews)

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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

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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 (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

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

Fantastic Digital Bank

Took a mortgage out with Atom Bank with an excellent rate (best in the market at the time). Fantastic communication from start to finish, everything went smoothly (you can't say that for a lot of mortgages), excellent customer service. The app is great with many ways on how to log in making it very personal for those who use it. Everything is held within the app so there is no need to keep paper copies - saving the planet! Best experience i've had with any bank. Reviewed on: 14th January 2020

Best and quickest experience

In comparison to other mortgage providers this was the smoothest and most efficient experience. Reviewed on: 14th January 2020

Outstanding

great mortgage provider - would recommend to anyone Reviewed on: 13th January 2020

Easy.

Quick, straightforward and remarkably human for a digital bank! Reviewed on: 13th January 2020

Excellent service and use of tech

Every member of staff I have dealt with has been friendly and helpful. The platform is easy to use and my clients love it too. I need to mention the cost... rates have been brilliant which concludes a complete package to my clients. Reviewed on: 22nd November 2019

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