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Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
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Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Atom Bank is a relatively new lender, founded in 2014, and was the UK's first digital-only bank to get a banking licence.
Here, you can find out what real Atom Bank mortgage customers thought about its service, what our expert analysis uncovered about its range of deals and the best Atom Bank mortgage rates on the market right now.
Please note that this article is for information purposes only and does not constitute advice. Please refer to the particular T&Cs of a provider before committing to any financial products.
Why you can trust our Atom Bank mortgage review
Real Atom Bank customer views
We've asked 48 Atom Bank mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Atom Bank's mortgage rates to work out if it's a lender that offers competitive deals.
Atom Bank got a below-average customer score, placing it near the bottom of our table of lenders. Our interest rate analysis showed it wasn't very competitive on rates either, with the lender coming joint-bottom for the frequency of competitive deals across a range of scenarios.
72%
out of 21 mortgage lenders ranked on customer score (joint 16th)
To see how Atom Bank compares with other mortgage providers, head to our guide to the best mortgage lenders.
Which? analysed thousands of mortgages, using Moneyfacts data, over eight weeks in the summer/autumn of 2025. We compiled a series of top 10 cheapest deals tables based on a variety of borrowing scenarios and counted how many times each lender featured in a table.
The average was five table appearances per week. Atom Bank registered no table appearances, which means it wasn't very competitive on rates during our analysis.
You can see the mortgages Atom Bank is currently offering to first-time buyers, home movers and remortgagers in the tables below.
To see how Atom Bank compares with other mortgage providers, head to our guide to the best mortgage rates and deals, which is updated every day.
| 80% | Atom Bank | 72% | 4.89% | £900 | 6.99% |
| 80% fee free | Atom Bank | 72% | 4.99% | £0 | 6.99% |
| 90% | Atom Bank | 72% | 4.89% | £900 | 6.99% |
| 90% fee free | Atom Bank | 72% | 4.99% | £0 | 6.99% |
| 95% | Atom Bank | 72% | 5.04% | £0 | 6.99% |
| 95% fee free | Atom Bank | 72% | 5.04% | £0 | 6.99% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Atom Bank had a sample size of 48.
| 60% | Atom Bank | 72% | 4.84% | £900 | 6.99% |
| 60% fee free | Atom Bank | 72% | 5.04% | £0 | 6.99% |
| 75% | Atom Bank | 72% | 4.84% | £900 | 6.99% |
| 75% fee free | Atom Bank | 72% | 5.04% | £0 | 6.99% |
| 85% | Atom Bank | 72% | 4.84% | £900 | 6.99% |
| 85% fee free | Atom Bank | 72% | 5.04% | £0 | 6.99% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Atom Bank had a sample size of 48.
| 60% | Atom Bank | 72% | 4.84% | £900 | 6.99% |
| 60% fee free | Atom Bank | 72% | 5.04% | £0 | 6.99% |
| 75% | Atom Bank | 72% | 4.84% | £900 | 6.99% |
| 75% fee free | Atom Bank | 72% | 5.04% | £0 | 6.99% |
| 85% | Atom Bank | 72% | 4.84% | £900 | 6.99% |
| 85% fee free | Atom Bank | 72% | 5.04% | £0 | 6.99% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Atom Bank had a sample size of 48.
Find the right mortgage using the fee-free service provided by L&C Mortgages
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked Atom Bank mortgage customers about their experience with the lender.
Here's how customers rated Atom Bank in various areas of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (for example, telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (for example, being able to overpay/underpay/take payment holidays) | |
| Online access (for example, being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Atom Bank had a sample size of 48.
Our research also collects comments from Atom Bank mortgage customers.
Most of these were positive, with customers praising the app as 'easy to use and navigate'. Plenty of consumers told us that Atom Bank made the mortgage application process easy.
A common theme from feedback was that customers had never had any issues with the lender.
When we checked in September 2025, there were 120 mortgages available from Atom Bank. All of these were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
Atom Bank mortgages had initial periods of two, three or five years.
Atom Bank doesn't publish its borrowing caps, but you can use it's affordability calculator to check the size of a mortgage that you qualify for.
Currently, Atom Bank doesn't offer green mortgage products.
All of Atom Bank's mortgages have a maximum term length of 40 years.
Why should you trust Which? research? We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence.
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