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FAQs

Whether it’s discovering more about our levels of lending, or learning about important things like debt service cover, you’ll find all the info you need below.

And if there’s a topic that we haven’t covered, but you want to know more about, simply get in touch.

About us

Who is Digital Mortgages?

Digital Mortgages is our trading name in the intermediary space for retail and SME intermediaries, however, all of our legal documents with customers will be entered into by Atom Bank plc. 

Why should I use Atom?

Why not? After all, we've completely reimagined and revamped the intermediary experience and customer journey, and we've done this specifically with you in mind. In fact, by really getting to know and understand what intermediaries need, we've been able to create our systems around you, which in turn will make your role as straightforward as possible. From removing any unnecessary duplication of information requests, to simplifying the process, we aim to provide quicker lending decisions and reduce the overall timeline from request to drawdown, and that can only be good news for you.

Who owns Atom?

Atom is a privately owned company with a group of investors at the helm. Without our investors, we couldn't have created a better way of banking for your clients.

Where are you based?

We're based in Durham in the North East of England, but our team have come together from all over the world. We’re building a bank with a pounding heart and plenty of soul.

Are you a real bank?

100%. There's no smoke and mirrors here. We're building something that people have been wanting for years. It's about time banking changed, and we're hoping to lead the way.

Our loans

What length of terms do you offer?

We offer deals ranging from a minimum of 12 months to a maximum of 25 years.

What's your maximum loan to value?

We're happy to accept a LTV up to 75%.

How much will you lend?

Your clients could potentially borrow anything from £25,001 to £3 million.

How it works

How do I register / become an intermediary?

We're actually in the process of building our UK wide panel of intermediaries. This is a staged process and will initially be by invite only. The reason for that is that we want to ensure we're able to proactively manage the panel, and more importantly, iron out any issues that may arise in the early days.

How will my client access their loan details?

They'll receive an annual statement, or if they require an update prior to that, they simply request one and we'll happily send it to them. Ultimately SME clients will be able to access their accounts via the Atom app but, for now, any queries or other comms can be directed through the secure email facility.

How does my client lodge a complaint?

We hope that's never the case, but if they need to get something off their chest, they can get in touch by email or over the phone.

Who do I contact if I have a query?

That depends on your query. If it relates to your panel membership then, in the first instance, please contact your dedicated Business Development Manager. If your query is case related, please contact our Business Banking Support Team, who will be able to help and may also involve one of our Underwriters too. Over time though you'll build a relationship with the Support Team and our Underwriters - we're keen to make sure you know them as well as your BDM.

Who does my client contact with queries?

In the first instance they should contact our call centre 0333 399 0065, who'll endeavour to answer their query. If they're unable to, the query will be passed over to the Business Banking Support Team, who'll take over things and reply accordingly.