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Atom Bank mortgage review

Our Atom Bank mortgage review combines expert analysis with customer feedback to help you decide whether your should apply for a mortgage with this lender.

In this article
Atom Bank mortgage customer ratings What kinds of mortgages does Atom Bank offer? Does Atom Bank offer the best mortgage deals? Interest rates on Atom Bank mortgages
How much can I borrow from Atom Bank? Can I make overpayments? How can I contact Atom Bank?

Atom Bank mortgage customer ratings

Atom Bank review
Which? Customer Score
21st out of 23 mortgage lenders
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Atom Bank is a challenger bank which was publicly launched in 2016. Because it offers primarily mobile and online banking, its mortgages are branded as 'Digital Mortgages'. 

You can see how Atom Bank performed in our latest mortgage satisfaction survey in the table below.

The results are based on feedback from real Atom customers for everything to do with their mortgages, from customer service to online access. 

Customer rating for: Star rating
Customer service

2 out of 5

Application process -
Value for money

2 out of 5

Keeping you well informed

3 out of 5

Clarity of statements

2 out of 5

Transparency of charges

3 out of 5

Query and complaint handling

3 out of 5

Ability to overpay or underpay mortgage

3 out of 5

Online access

3 out of 5


Star ratings based on a June/July 2020 Which? survey of 3625 members of the general public in which 52 people told us they had their mortgage with Atom Bank.

What kinds of mortgages does Atom Bank offer?

Many mortgage lenders have significantly cut their offerings this year due to the coronavirus outbreak.

When we checked in September 2020, there were just 12 mortgages available from Atom Bank. They were all fixed-rate mortgages, meaning your interest rate will not change for a fixed 'initial period'.

Atom's deals were available with initial periods of two or five years. 


Does Atom Bank offer the best mortgage deals?

Our experts analysed hundreds of mortgages over a four-week period in July 2020. They compiled a total of 208 ‘top-10 cheapest deal’ tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

The average number of times a lender made it into a table was 16, but Atom Bank failed to feature at all, meaning it rarely offers the cheapest rate on the market. (Data source: Moneyfacts.)

Interest rates on Atom Bank mortgages

In September 2020, the average interest rate on Atom's two-year fixed-rate mortgages was 1.83%, considerably lower than the overall market average of 2.33%.

How much can I borrow from Atom Bank?

Atom Bank offers mortgages to first-time buyers, home movers and remortgagers at 60%, 75% and 80% loan-to-value.

Applicants can apply to borrow four-and-a-half times their annual income. 

Can I make overpayments?

Atom Bank lets borrowers overpay their mortgage in regular payments or lump sums. Borrowers can overpay by up to 20% each year.

How can I contact Atom Bank?

Atom Bank's mortgages are only available via a mortgage broker.

Existing customers can reach Atom on 0333 399 0050, through customersupport@atombank.co.uk or via the app. 

Atom's website is atombank.co.uk.