Residential Mortgage Rates
| Product | 60% LTV | 75% LTV | 85% LTV |
|---|---|---|---|
| 2-Year Fixed | 4.19% | 4.44% | 4.84% |
| 5-Year Fixed | 4.09%Best | 4.34% | 4.74% |
| 2-Year Tracker | 5.39% | –% | –% |
| Standard Variable Rate (SVR) | 8.14% |
Buy-to-Let Mortgage Rates
| Product | 60% LTV | 75% LTV |
|---|---|---|
| 2-Year Fixed BTL | 4.59% | 4.89% |
| 5-Year Fixed BTL | 4.49%Best | 4.79% |
Product Transfer Rates
| Product Transfer Type | Indicative Rate | Cashback via DBF |
|---|---|---|
| 2-Year Fixed Product Transfer | 4.04% | Cashback available |
| 5-Year Fixed Product Transfer | 3.99% | Cashback available |
About Atom Bank
Atom Bank is the UK's first app-based bank, operating entirely digitally without any physical branches. Despite its technology-forward model, Atom offers a competitive range of residential and buy-to-let mortgage products through the intermediary market. Their digital infrastructure allows for faster application processing and often quicker decision timelines compared to traditional lenders.
Atom Bank suits tech-comfortable borrowers and brokers who value speed and digital transparency. Their residential range covers standard purchases, remortgages and first-time buyers, with sensible criteria that accommodate self-employed applicants assessed on SA302s or accountant certificates. Their buy-to-let offering is available to both individual and portfolio landlords, making them a versatile option in the specialist tier.