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Atom Bank mortgage review

Our Atom Bank mortgage review draws on expert analysis and 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 have 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 eligibility What Atom Bank mortgage customers say

Atom Bank mortgage customer ratings

Atom Bank review
Which? Customer Score
Joint 19th out of 25 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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£1 for first month then £12.75/month unless cancelled


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

3 out of 5

Keeping you well informed 3 out of 5
Clarity of statements 3 out of 5
Transparency of charges

2 out of 5

Query and complaint handling 3 out of 5
Ability to overpay or underpay mortgage

2 out of 5

Online access 3 out of 5


Star ratings based on a June 2019 Which? survey of 3,574 members of the general public, in which 31 people told us they had their mortgage with Atom Bank.

What kinds of mortgages does Atom Bank offer?

When we checked in September 2019, there were 108 mortgages available from Atom Bank. They were mostly fixed-rate mortgages, meaning your interest rate will not change for a fixed 'initial period'. Atom's deals had initial periods of two, three and five years. 

Does Atom Bank offer interest-only mortgages?

No, Atom Bank's mortgages are all currently capital and interest repayment mortgages


Does Atom Bank have the best mortgage deals?

Which? analysis of the mortgage market found that Atom Bank offers far fewer cheap mortgage deals than the average lender. 

Our experts analysed thousands of mortgages over four weeks of August 2019, compiling 208 'top-10 cheapest deal' tables - based on a number of different borrower scenarios - and tracked how many times each lender appeared in a table. 

The average number of times a lender appeared was 15. Atom didn't make it into any of the tables. 

Interest rates on Atom Bank mortgages

Even though none of Atom Bank's deals made our tables, the average interest rate on its two-year fixed-rate mortgages was 2.04% - lower than the average of 2.77%.

How much can I borrow from Atom Bank?

As you can see from the table below, the loan-to-value ratio (LTV) of your mortgage - in other words the proportion of a property's value you can borrow - will depend on the size of your loan. 

Loan Maximum LTV
up to £300,000 95%
£300,001 - £500,000 90%
£500,001 - £750,000 85%
£750,001 - £1m 80%
£1,000,001 - £2m 75%

For new-build houses, you can borrow up to 85% of the property's value from Atom Bank. For new-build flats, the limit is 80%. 

If you earn up to £100,000 a year, Atom could lend you 4.5x your income. If you earn more than that, the cap is 4.75 times. 

Can I make overpayments?

Yes, but you may be subject to early repayment charges (ERCs) if you overpay more than what is allowed in your mortgage terms.

ERCs vary between mortgages, so make sure you read your terms carefully. 

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 or via the app. 

Atom's website is

Atom Bank mortgage eligibility

Income and employment

To borrow from Atom Bank, you'll need a minimum income of £16,000.

Atom will lend to contractors, including zero-hours contractors, though you will need to earn a certain amount, which can differ by industry. 

Leasehold properties

Atom Bank will lend on leasehold properties that have at least 80 years left on the lease at the start of the mortgage, and at least 50 years left at the end. 

What Atom Bank mortgage customers say