1.84% 5 year fixed rate mortgage, No Fees, 65% Loan to Value Mortgage Product.  Digital - Atom Bank
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1.84% 5 year fixed rate mortgage, No Fees, 65% Loan to Value Mortgage Product. Digital - Atom Bank

30
Found 6th Oct
Digital Mortgages (Atom bank) are offering the above rate exclusively through London & Country Mortgage Brokers.

No product or reservation fee plus free legal fees for remortgage customers.

30 Comments

Santander offers a better 5 year Fixed rate @ 1.79%

Santander .... pirates. Read the comments inept organisation administrative nightmare. Discuss.

Anyone with around 75-80% LTV that's seen anything decent?

escortboy1 h, 13 m ago

Anyone with around 75-80% LTV that's seen anything decent?

There are a few options out there including Sainsbury's, which has a 1.93% 5 year fix with no fees or 1.69% with £745 fee

https://www.sainsburysbank.co.uk/~/media/files/pdf/mortgages/mortgages-product-list.pdf?la=en
Edited by: "sirhobo" 6th Oct

Their launch deal was 5 years 1.29% with £900 fee which we got. All process went quite smoothly, especially on bank side, managed to get £105 TBC cashback from Mortgage Simplicity too. I would definitely recommend them.

Anyone know the early repayment charges with Atom Bank?

therandomise1 h, 20 m ago

Anyone know the early repayment charges with Atom Bank?

Would like to know this too!

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therandomise1 h, 33 m ago

Anyone know the early repayment charges with Atom Bank? Here's my …Anyone know the early repayment charges with Atom Bank? Here's my charges, hope this helps

Edited by: "ultra" 7th Oct

Thanks, I realised I phrased that wrongly I meant how much can you overpay a year without charges, I guess 10% as that's pretty stand

therandomise11 m ago

Thanks, I realised I phrased that wrongly I meant how much can you overpay …Thanks, I realised I phrased that wrongly I meant how much can you overpay a year without charges, I guess 10% as that's pretty stand

Pretty sure it's 20% for most Atom mortgage products

therandomise49 m ago

Thanks, I realised I phrased that wrongly I meant how much can you overpay …Thanks, I realised I phrased that wrongly I meant how much can you overpay a year without charges, I guess 10% as that's pretty stand


32199183-6hArQ.jpg

Anyone know the best fee free tracker out there at the moment?

Jonnyblock1 h, 9 m ago

Anyone know the best fee free tracker out there at the moment?

Not sure why you would want a tracker right now with an increase in the base rate imminent?

niall7111 m ago

Not sure why you would want a tracker right now with an increase in the …Not sure why you would want a tracker right now with an increase in the base rate imminent?


They be been saying that for 10 years, plus it doesn't matter if it is a fee-free exit one like HSBC we're doing...

downloaded atom app but i cannot locate any mortgage offers

Original Poster

1616french14 m ago

downloaded atom app but i cannot locate any mortgage offers

They only offer their rates through brokers at the moment

Original Poster

flyingflea14 h, 55 m ago

Santander offers a better 5 year Fixed rate @ 1.79%

That's for 60% LTV

Original Poster

therandomise3 h, 40 m ago

Thanks, I realised I phrased that wrongly I meant how much can you overpay …Thanks, I realised I phrased that wrongly I meant how much can you overpay a year without charges, I guess 10% as that's pretty stand

20% per year

Jonnyblock49 m ago

They be been saying that for 10 years, plus it doesn't matter if it is a …They be been saying that for 10 years, plus it doesn't matter if it is a fee-free exit one like HSBC we're doing...

I see what you're saying, but it does matter even with fee free exit as if BofE rates rise so will all new mortgage rates when you look for a new deal. And you can bet by more than the likely 0.25%...

What about Bank of Ireland 2.03% 75% LTV, no arrangement fee, free valuation & £400 cashback. Any thoughts on that one please?

Fixed 5 year rate.

Original Poster

Jonnyblock6 h, 30 m ago

They be been saying that for 10 years, plus it doesn't matter if it is a …They be been saying that for 10 years, plus it doesn't matter if it is a fee-free exit one like HSBC we're doing...

Tracker is only beneficial if you feel the BoE base rate will go even lower or into negative figures. Whilst no one can predict the future, it seems very unlikely that if this did happen that it would be anytime soon.

Dr_Lovegod20 h, 44 m ago

Santander .... pirates. Read the comments inept organisation …Santander .... pirates. Read the comments inept organisation administrative nightmare. Discuss.

I along with many others have used Santander without any problems whatsoever. Each individual has different experiences with any organisation, but, one persons view doesn't apply to everyone. Try a bit of balance rather than generalisation.

Kay13540 m ago

Tracker is only beneficial if you feel the BoE base rate will go even …Tracker is only beneficial if you feel the BoE base rate will go even lower or into negative figures. Whilst no one can predict the future, it seems very unlikely that if this did happen that it would be anytime soon.


If it stays at the same rate for the next two years I would be useful. Trackers generally start at a lower rate than fixed.

Original Poster

Jonnyblock1 h, 3 m ago

If it stays at the same rate for the next two years I would be useful. …If it stays at the same rate for the next two years I would be useful. Trackers generally start at a lower rate than fixed.

Fair point. They do generally.

Dr_Lovegod6th Oct

Santander .... pirates. Read the comments inept organisation …Santander .... pirates. Read the comments inept organisation administrative nightmare. Discuss.

Been with Santander since they were Abbey. Never had any issues. I just switched my mortgage to them and the process went very smoothly. Obviously your mileage may vary.

HSBC is withdrawing some of its fixed deals today (I can foresee an interest rate rise there!). Bank of Ireland has already upped some of its fixed rates.

Just in process of moving with Santander, have a lifetime .75% tracker through Alliance & Leicester, porting that and topping up with 2 year 1.09% tracker, can exit at any time, from first call to morgage offer, less than two weeks, online tracker. no complaints.

Go via mortgage simplicity you can get cashback via quidco and they have very good service as well

senukas7th Oct

Their launch deal was 5 years 1.29% with £900 fee which we got. All …Their launch deal was 5 years 1.29% with £900 fee which we got. All process went quite smoothly, especially on bank side, managed to get £105 TBC cashback from Mortgage Simplicity too. I would definitely recommend them.

That was a good deal haven't seen anything batter than this deal since than.
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