Changes in Mortgage Products – Digital Mortgages by Atom bank

As of 8am today, Wednesday 3rd August, Digital Mortgages by Atom bank have decreased rates on all their Prime & Retention only products. All Near Prime products remain unchanged.

  • Decreasing all Prime 2-year rates by up to 0.25%
  • Decreasing all Prime 5-year rates by up to 0.15%
  • Introducing a minimum LTV of 80% for 85% & 95% Prime products (excludes retention only products). To be clear, for now, we won’t be accepting applications for Prime remortgage/purchase products with less than 80% LTV.

Please note:

Our current rates will be available until 7.55am tomorrow (3rd August) and our new rates will be live on our website and MSO from 8am on 3rd August. They will also appear on most sourcing systems on 3rd August and on Trigold from 4th August.

If you wish to secure a product with the current rates, a full mortgage application must be submitted before 7.55am on Wednesday 3rd August.

Any questions? We’re all ears

For new business queries and submitted cases, contact our TBDMs on or 0333 399 0055, Monday to Friday from 9am to 5pm.


We’re a whole bank packed into an app. So to get a mortgage with us, each applicant will need:

– Their own smartphone or tablet, which is compatible with our app

– The Atom bank app

– Their own unique email address

– Their own unique mobile number