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Take a mortgage application through to offer in minutes, not weeks with Digital Mortgages by Atom bank. A quicker way to do business.
We’re not a bank that goes back on our word. With our affordability calculator, your customers will know exactly how much they may be able to borrow, so there shouldn’t be any surprises at the DIP stage or beyond.
With automated decisioning, our process is simple. And at DIP stage, the credit check will only leave a soft footprint on the customer’s credit history.
Full procuration fees for new business and retention
We don’t have branches or a sales team so there’s no dual pricing and any further advice the customer may need, is arranged through you.
We’re improving everything about banking. Offering 24/7 support to you and your customers, as well as a dedicated Intermediary Support and Processing team is just one of many features. They’re there when you need them, between 9am to 5pm Monday to Friday, and 9am to 1pm on Saturdays.
You can contact us via telephone or good old face-to-face - now that’s great service.
We’re faster - you can complete a DIP in just a few minutes and convert it seamlessly to a full application.
Our application process is really simple, and we only ever ask for the information we really need.
We keep things moving - DIP decisions are immediate in most cases, and we instruct the valuation as soon as we receive an application and any associated fees.
We can carry out background checks in a matter of minutes and have automated our decisioning wherever possible.
When it comes to mortgage applications, there’s nothing better than being kept in the loop, which is exactly what we intend to do.
You’ll send all paperwork electronically and as we’ll tell you what info is required at the application stage, you’ll know what to send and when.
Your customers will know exactly how their application is progressing at all times via our App, so they’ll know what’s happening when you do.
Thanks to online case tracking you’ll always be up to speed on the progress of your applications.
From house purchases to remortgages, our products have been created with the customer in mind.
We’re happy to accept applications from self-employed and forces personnel, and we also consider lending into retirement.
We offer a wide range of products across different LTVs and loan amounts.
We’re striving to change the industry for good, permanently and for the better. From Maria Harris at the helm of our highly experienced mortgage intermediary team, to our incredible App design and development team, we’re always looking for ways to improve the service we give you. You won’t find a team more committed to working with intermediaries.