Your guide to Atom bank for intermediaries

Atom bank for intermediaries offers a digital-first approach to mortgage lending. Here's what mortgage brokers need to know before signing up

By Kath Villamayor

16 Apr 2026

Contents

Who is Atom bank for intermediaries?
Atom bank for intermediaries' residential lending criteria
Atom Bank for intermediaries' mortgage products
Why Atom bank for intermediaries is worth considering

Helping your clients secure the right mortgage can be demanding, especially when you are balancing tighter budgets, rate changes, and busy schedules. Atom bank for intermediaries offers a different route for mortgage brokers. It is a retail bank in the United Kingdom that was created to operate through an app, without any branches.

In this guide, Mortgage Introducer will explore Atom bank for intermediaries' mortgage products for first time buyers, remortgage clients, and movers. We'll also discuss which lending criteria can affect your recommendations and other valuable insights.

Who is Atom bank for intermediaries?

Atom bank for intermediaries was launched in 2014 as the United Kingdom's first app-based bank. It is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA.

Atom bank for intermediaries is based in Newcastle upon Tyne and has grown to a team of more than 470 people. Many staff live in the surrounding region, which fits the bank's connection with the North East and its communities. The company promotes itself as a progressive employer and encourages people from different backgrounds to help guide how the business grows.

In 2024, Atom Bank for intermediaries launched their new broker-focused website and rebranded its intermediary services under a unified name.

Atom bank for intermediaries' residential lending criteria

Understanding Atom bank for intermediaries' requirements can save time when deciding if the bank suits a particular case. Let's look at some of them below:

1. Address history and UK residency

Every applicant must have at least three years of address history and must have lived in the United Kingdom for the last three years.

There is a single exception. Applicants who are serving in the British Armed Forces and have a current British Forces Post Office (BFPO) address can still qualify. This is as long as their three-year address history is made up of UK addresses and BFPO addresses.

Atom bank for intermediaries does not take applications from people living outside the UK, apart from this Armed Forces scenario. Also, they do not lend to British expatriates who are resident overseas, even if they intend to return to the UK soon.

2. Age limits

For residential mortgages with Atom bank for intermediaries, applicants must be at least 18 when they apply and no older than 80 when the mortgage ends. This affects both eligibility and the term you can recommend, so it is important to consider age early on.

3. Income and verification

For residential lending, the minimum income for the main applicant is £16,000 a year. Every application is subject to income verification.

As a digital bank, Atom bank for intermediaries sometimes verifies income using information held by credit reference agencies. When this is possible, the bank might not request documents at the decision in principle stage.

Once you move to a full application, the portal lists the exact requirements for that case. These can include:

payslips
bank statements
proof of identity

When bank statements are requested, they must show both income and monthly spending for a complete month. Also, Atom bank for intermediaries does not lend to UK nationals who are living and working overseas, even if they intend to come back.

However, they can consider lending where the applicant lives in the UK but works in another country, such as offshore workers. The key requirement is that they are paid in UK sterling into a UK bank account and can show this on payslips.

4. Background buy-to-let properties

Atom does not offer buy-to-let mortgages, but many residential borrowers already own investment properties. The bank considers these during affordability checks. All existing buy-to-let mortgage payments are treated as committed monthly expenditure at 100% of the payment amount.

This applies where your clients have buy-to-let mortgages that will remain in place after completion of the new Atom bank residential mortgage. Also, 70% of the related rental income is included as income.

If your clients receive rent from a property that has no mortgage, 70% of that income is still included. Also, Atom bank for intermediaries does not work from future or speculative rental income.

If a background property has temporary consent to let, the bank might carry out extra checks or request further evidence. It can ignore rental income from that property when reaching a final decision.

5. Repayment type

Atom bank for intermediaries offers residential lending on a capital and interest basis only. The bank does not provide full interest only mortgages and does not support part and part arrangements. This means that every monthly payment reduces the balance as well as paying interest. As such, your clients can steadily build equity in their property over time.

Atom Bank for intermediaries' mortgage products

Let's look at three of Atom bank's offerings for those looking for specific types of mortgages:

1. First time buyer range

Atom's first time buyer products currently have no product fee. The range is divided into three loan-to-Value (LTV) bands:

0 to 85% LTV
90% LTV
95% LTV

This gives you scope to support clients who are first time buyers with different deposit sizes. For instance, a buyer with a 10% deposit would look at products in the 90% LTV bracket, while a buyer with only a 5% deposit would focus on the 95% LTV range.

Within each LTV band, there are three fixed terms, mainly 2-, 3-, and 5-year terms. Across the board, all of these products share some common features. They switch to an SVR of 6.99% once the fixed period ends and their Annual Percentage Rate of Charge (APRC) figures sit between around 6.4% and 6.8%, depending on LTV and term.

Rates rise as LTV increases and are usually slightly higher on shorter terms than on the five-year options. For many first-time buyers, the draw is the combination of higher LTV lending, fixed monthly payments, and the lack of a product fee. This helps keep upfront cash demands lower.

Check out what first time buyers need to know before buying a home in this linked article.

2. Remortgaging options

Remortgaging is another route where Atom bank for intermediaries can support your clients. It means that homeowners stay in their current property but replace their existing mortgage with a new one from a different lender.

A common example is where your clients' fixed rate with another lender is coming to an end. If they take no action, they move onto that lender's standard variable rate (SVR).

SVRs can change at short notice and often sit above fixed rate options. To avoid this, you can help your clients by checking the market and finding a new fixed rate. If Atom's terms suit their needs, you can arrange a remortgage with them.

Do you have clients who already have an Atom bank mortgage and choose to stay with the bank when their fixed term finishes? Atom bank for intermediaries describes this as a product transfer rather than a remortgage. The property and lender stay the same; only the product changes.

The remortgage range mirrors Atom bank for intermediaries' first-time buyer products. The same LTV bands apply to options with 0 to 85%, 90%, and 95% LTV.

Within each band there are 2-, 3-, and 5-year fixed terms, all with no product fee. The SVR is 6.99%, and APRC figures sit roughly between 6.4% and 6.8%.

3. Moving home loans

Atom bank for intermediaries also supports clients who are moving home. In this case, you are dealing with a new purchase mortgage. Your clients sell their current home, repay their existing mortgage, and take a new mortgage on the next property.

The moving home mortgage range follows the same pattern as the first-time buyer and remortgage products. It has 2-, 3-, and 5-year fixed options for 0 to 85%, 90%, and 95% LTV.

They also move to a 6.99% SVR after the fixed term ends and carry no product fee. Plus, their APRC sits between roughly 6.4% and 6.8% depending on LTV and term.

Movers often face extra expenses such as legal fees, valuation costs, removals, and furnishings. The lack of a product fee can ease some of that strain, while fixed rates help them plan their costs in the new home.

Why Atom bank for intermediaries is worth considering

Atom bank for intermediaries gives mortgage brokers a modern UK lender that puts digital service and intermediary relationships at its core. Your clients gain fixed rate certainty, generous overpayment options, and a branch-free experience that lives in their pocket.

You gain another option when you are trying to match your clients' goals with a lender that understands residential cases, including those with background buy-to-let properties. With a focus on client updates through its app and clear criteria, Atom bank can sit comfortably alongside more traditional lenders on your sourcing list.

For mortgage brokers who want to pair personal advice with a fully digital mortgage journey, Atom bank for intermediaries is a strong name to keep in mind. But if you're interested in partnering with other mortgage lenders, we have other guides for lenders with intermediary-only platforms. Check out some of them below:

Still can't find what you're looking for? Discover more property loan providers on our Guides page.

Your guide to Atom bank for intermediaries

Who is Atom bank for intermediaries?