Write a review

Atom Bank: Mortgages reviews

Name: Mortgages
Rating: 3.9 (49 reviews)

View other Atom Bank products

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

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 (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

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

Made the process so simple!

It was our first time applying for a mortgage and they made the whole process so simple. They offered us a great deal and assigned us a fantastic solicitor. I would, and have, recommend them to friends Reviewed on: 11th November 2018

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

Mortgages
from Aldermore 3.30 from 7 reviews
Mortgages
from The Cumberland 4.11 from 23 reviews
Mortgages
from Multi Broker 0.00 from 0 reviews

There's still more to see!

Atom Bank has a range of products available. Check the ratings of each product to find the right one for you. 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