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Sam covers personal finance topics, from the most affordable places to live to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
Anna covers personal finance, helping readers make sense of savings, credit cards and insurance. Her insights are informed by experience in the financial services industry.
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In this article
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 doesn't 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 67 Atom Bank mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Atom Bank's mortgages to work out whether it's a lender that offers competitive deals.
Atom Bank achieved a below-average customer score in our survey, placing it in the bottom half of our table of 21 lenders. Our expert interest rate analysis showed that it wasn't very competitive on rates, either. It was the joint-29th-cheapest lender out of 69 we analysed.
70%
out of 21 mortgage lenders ranked on customer score (joint-15th)
To see how Atom Bank compares with other mortgage providers, visit our guide to the best mortgage lenders.
Anna McClean, market analyst, says: 'We analysed thousands of mortgages, using Moneyfacts data, over three months in the summer/autumn of 2026. We created 28 mortgage scenarios, based on typical loan amounts, term lengths and mortgage products, to reveal the lenders that consistently offer the best deals. Ranking first means the provider offered, on average, the cheapest mortgage deals during our analysis period. Atom Bank was middling overall, but had more competitive deals for first-time buyers.'
Here's how Atom Bank did in our analysis:
Find out more:Â check which lenders came ahead of Atom Bank in our cheapest lender interest rate analysisÂ
The table shows the two-year fixed-rate mortgages Atom Bank is currently offering to first-time buyers with an 80%, 90% or 95% LTV.
To see how Atom Bank compares with other mortgage providers, visit our guide to the best mortgage rates, which is updated every day.
| 80% | Atom Bank | 70% | 6.19% | £1,995 | 6.99% |
| 80% fee free | Atom Bank | 70% | 6.29% | £0 | 6.99% |
| 90% | Atom Bank | 70% | 6.29% | £0 | 6.99% |
| 90% fee free | Atom Bank | 70% | 6.29% | £0 | 6.99% |
| 95% | Atom Bank | 70% | 6.39% | £0 | 6.99% |
| 95% fee free | Atom Bank | 70% | 6.39% | £0 | 6.99% |
Table notes:Â 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 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. Atom Bank had a sample size of 67.
The table shows the range of two-year fixed-rate mortgages Atom Bank is currently offering to home movers with a 60%, 75% or 85% LTV.
To see how Atom Bank compares with other mortgage providers, visit our guide to the best mortgage rates, which is updated every day.
| 60% | Atom Bank | 70% | 5.94% | £1,995 | 6.99% |
| 60% fee free | Atom Bank | 70% | 6.29% | £0 | 6.99% |
| 75% | Atom Bank | 70% | 5.94% | £1,995 | 6.99% |
| 75% fee free | Atom Bank | 70% | 6.29% | £0 | 6.99% |
| 85% | Atom Bank | 70% | 6.24% | £1,995 | 6.99% |
| 85% fee free | Atom Bank | 70% | 6.29% | £0 | 6.99% |
Table notes:Â 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 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. Atom Bank had a sample size of 67.
Use the table to see the two-year fixed-rate mortgages Atom Bank is currently offering to remortgagers with a 60%, 75% or 85% LTV.Â
To see how Atom Bank compares with other mortgage providers, visit our guide to the best mortgage rates, which is updated every day.
| 60% | Atom Bank | 70% | 5.94% | £1,995 | 6.99% |
| 60% fee free | Atom Bank | 70% | 6.29% | £0 | 6.99% |
| 75% | Atom Bank | 70% | 5.94% | £1,995 | 6.99% |
| 75% fee free | Atom Bank | 70% | 6.29% | £0 | 6.99% |
| 85% | Atom Bank | 70% | 6.24% | £1,995 | 6.99% |
| 85% fee free | Atom Bank | 70% | 6.29% | £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 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. Atom Bank had a sample size of 67.
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.Â
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, Â being able to overpay/underpay/take payment holidays) | |
| Online access (for example, Â being able to access your account online or via an app) |
Table notes:Â Star ratings are out of five. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. Atom Bank had a sample size of 67.
Never had any problems, and they keep me informed of anything I need to know.
Our research also collects comments from Atom Bank mortgage customers.Â
Most of these were positive, with customers praising how Atom Bank 'makes everything simple and easy to understand'.Â
A common theme from feedback was that customers had never had any issues with the lender.
When we checked in September 2026, there were 78 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 its affordability calculator to check the size of a mortgage that you qualify for.
Currently, Atom Bank doesn't offer green mortgage products.Â
All Atom Bank's mortgages have a maximum term length of 40 years.
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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