Atom Bank Mortgages
Competitive mortgage rates from the UK's first app-based bank. Digital efficiency, low fees, and consistently strong fixed-rate products.
Lower costs, better rates, smarter banking
Atom Bank launched in 2016 as the UK's first bank designed entirely for mobile. Without the costs of maintaining physical branches, they channel savings into consistently competitive mortgage rates that regularly beat high street alternatives.
Through Doulton, you combine Atom Bank's digital efficiency and pricing advantage with personalised broker advice. We ensure Atom Bank is genuinely the best option for your circumstances before submitting your application.
Why choose Atom Bank through Doulton
App-Based Banking Pioneer
Atom Bank was the UK's first app-only bank, and their mortgage products reflect this digital DNA with efficient processing, minimal paperwork, and competitive pricing.
Consistently Competitive Rates
Without the overhead of a branch network, Atom Bank regularly offers some of the lowest fixed rates on the market, frequently appearing in best-buy tables.
Low Fee Structure
Atom Bank keeps arrangement fees competitive and often offers fee-free products, reducing the overall cost of your mortgage beyond just the interest rate.
Fixed Rate Specialists
Atom Bank focuses on fixed-rate products across a range of terms, giving borrowers certainty over their monthly payments for two, three, or five years.
Efficient Processing
Digital-first processing means applications move quickly through Atom Bank's system, with automated verification steps that reduce delays and manual handling.
Remortgage Expertise
Atom Bank has built a strong reputation in the remortgage market, offering seamless switches with competitive rates for borrowers looking to reduce their existing payments.
How it works
Rate Check
We check Atom Bank's current rates against the wider market to confirm they offer the best deal for your loan size, term, and loan-to-value ratio.
Eligibility Review
We verify your circumstances meet Atom Bank's lending criteria before submission, avoiding unnecessary credit searches or wasted applications.
Digital Application
Your application is submitted through Atom Bank's broker portal with all documentation, taking advantage of their fast digital processing capabilities.
Offer and Completion
Atom Bank's efficient underwriting typically delivers offers quickly, and we coordinate with your solicitor to complete on your preferred timeline.
Check Atom Bank's latest rates
Find out if Atom Bank offers the best deal for your mortgage. Our team will compare their rates against the full market.