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Digital Mortgages by Atom Bank.

Digital Mortgages by Atom

How to register with this lender as a new user

Well it’s quite simple to register and it can be done in as little as 10 minutes. You can do this either via the Digital Mortgages homepage or the MSO login page. As long as your firm is on our panel, you can register with us. 

Please have your business email address and FCA number at hand

How to add Mortgage Club as a payment route with this lender

No Action required Digital Mortgages by Atom bank have done this for you

How to contact this lender

Call us on 03333 990055 hold for Intermediary Support from our Telephone Business Development Managers OR press option 1 to speak to Mortgage Processing. 

Email us on or 

Our experienced Business Development Managers are available to help - they’d love to hear from you: 

David Castling 07921 806 634 Northern Ireland and North West Email

Paula Mercer 07921 806 606 North East and Yorkshire Email

Rod McPherson 07921 806 581 Scotland Email

Eddie Morgan 07921 806 576 South West Email

Craig Flinter 07921 806 564 Midlands and West Email

Grant Hendry 07921 806 552 East Midlands and South East Email


Direct Access only available to select Partners, Please contact our Mortgage Support Services for further information 01226 230504.

Digital Mortgages by Atom


Hi, we’re Digital Mortgages. We’re the intermediary part of Atom bank – the UK’s very first bank built exclusively for mobile. 

We’re app-based, which means we’re not splashing out on high street branches, so we’ve got lower overheads. It also means our customers (and you) benefit. Low costs for us mean better rates for our mortgage customers.

Why choose Digital Mortgages by Atom Bank? 

We’ve taken a huge step away from traditional banks. We’ve created a transparent and low-cost way of tracking and servicing a mortgage which works through our self-service Atom bank customer app. It’s the very first of its kind in the UK for a mainstream residential lender. 

We’re here to make your life easier; with affordability calculations you can rely on, a common sense approach to lending criteria and our simple DIP process, you can get going in minutes. 

What’s more, our intuitive online portal means you track cases at every stage of the process and get updates when your customers do. 

For customers, the credit check will only leave a soft footprint on their credit history for a decision in principle and they use our nifty little app to track their mortgage journey.

The Atom Bank Customer App 

Our customer app is super simple and secure. It lets the customer:

  • Log in using their face, voice or a traditional passcode
  • Track their mortgage application at every stage
  • View all their important documents in the app’s Vault area
  • View and accept their mortgage offer in the app
  • Access your details, so they can easily come to you for advice
  • Access 24/7 help and support for the app

How the Digital Mortgages Journey works

Once you’ve advised your customer and progressed them through the DIP process to an accept decision, it’s over to the customer to:

  • Download the Atom bank app to their compatible smart device
  • This should be done by both applicants on separate devices, if it’s a joint application
  • Enter their mortgage activation code – they’ll will have already received this by SMS or email when the DIP has been submitted and accepted
  • Start tracking their mortgage journey in app (and you can do this too in your Portal)
  • Accept their offer and T&Cs in the app! Both applicants must accept the offer and T&Cs in their own app if it’s a joint application. 

You can log in to the Portal at any point to see where the case is at.

What does this mean for You?

We’re aiming to make your mortgage case handling quicker and more efficient, so you can spend more time advising. We’re also hoping we can make you, as well as our customers, better off. 

We don’t have branches or a sales team so there’s no dual pricing. Plus, any further advice the customer might need is arranged through you – and we pay a full procuration fee on new business and product retention. 

We offer 24/7 support to your customers, 365 days a year. 

We give you access to a dedicated Intermediary Support and Processing team. 

For the Intermediary Support Team email or call 033 33990055

Monday to Thursday 9am-6pm,

Friday 9am - 5pm,

Saturday 9am - 1pm 

For Mortgage Processing email or call 033 33990055

and press option 1, Monday to Friday 9am - 5pm

Our dedicated inbox for conveyancers is

Want to find out more about Atom bank?


Call our Mortgage Support Services team now on
01226 230 504
Lines are open between 9am and 5.30pm.
Using an Ipad

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Case Quality

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Before submitting an application -  Always check the lenders packaging guide and carry out a DIP/AIP

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