Welcome to Atom bank. The number one rated bank on Trustpilot and “Best Bank” in Smart Money People’s Mortgage Lender Benchmark H1 2024. We offer a range of residential mortgages, including Prime mortgages up to 95% LTV and Near Prime mortgages up to 85% LTV.
With our slick, automated processes, brokers are able to provide their clients with quick decisions — our quickest offer so far is 9 seconds! Using the Atom bank app, your customers receive instant updates and can see their mortgage application journey with complete transparency at every stage.
Why use Atom?
- 20% overpayments accepted per annum on all products
- 40 year terms available up to age 80
- Lend in NI and Scottish islands
- Income multiple of up to 6x for applications where the combined or single income is £75k or above (max LTV 90%)
- RTB and concessionary purchases accepted
- Gifted deposits accepted (including from non-family members)
- 6 month offer validity on all products
- Section 106/157 RPCs considered
- Free valuations on all new-to-bank cases
- Capital raising for debt consolidation up to 90% LTV.
Near Prime
- No credit scoring — we check the affordability and adverse limits
- Generous adverse policy, including:
- Max status of 2 in the last 12 months per account (at date of application)
- Defaults: none allowed in the last 12 months, 4 in 13-24 months, unlimited over 24 months
- CCJs: none allowed in last 12 months, 4 in 13-26 months, unlimited over 36 months
- Head to our website to find out more about our Near Prime criteria
- Free valuations on all new-to-bank cases
- Rate secured at application.
Take a look at our lending criteria page for more information and make sure you’re following us on LinkedIn for the latest news and updates.
*Products from Atom Bank can be accessed by selecting Next Intelligence as your payment route.