Digital Mortgages by Atom Bank

Digital Mortgages by Atom bank
Digital Mortgages is the commercial lending offering from Atom bank.

Working with specialist business intermediaries, Digital Mortgages by Atom bank offers secured lending to SME businesses – at its simplest, debt, secured by an asset. The proposition drives efficiency with simplified processes, policy and pricing, and provides complete transparency when it comes to decisioning.

Atom bank
One of the UK’s leading digital challenger banks, Atom’s branchless banking model launched in 2015. 2020 will see this innovation continue, with a faster and more agile Atom, continuing its impressive growth. As the #1 rated UK bank on Trustpilot, Atom is well on its way to creating the most customer-centric bank on the planet.

Atom is well on its way to creating the most customer-centric bank on the planet.

The range
Commercial investment, commercial owner occupied, semi-commercial and residential investment property.

Borrower types
Limited companies, Limited Liability Partnerships (LLPs), partnerships and sole traders.

Property types
Commercial offices; warehouses; factories; industrial units; agricultural; retail units; purpose-built student accommodation; residential and commercial investment properties; restaurants, hotels.

Maximum loan and LTV
  • For loans up to £500,000 we offer up to 75% LTV
  • For loans up to £1 million we offer up to 70% LTV (or 75% subject to credit quality)
  • For loans up to £5 million we offer up to 60% LTV (or 70% subject to credit quality)
  • The LTV is based on whichever is lower, the purchase price or market value post valuation
  • Maximum combined loan for any business customer is £5 million

Complete are supported by Sam Lea as BDM and Anna Pullen as the
in-house underwriter

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