Atom Bank is a mortgage lender that you can only access through a smartphone app. It became the UK’s first smartphone-based bank when it launched in April 2016.

The bank prides itself on simplicity and passes on the savings from having no branches to its customers. This leads to ultra-competitive mortgage rates.

In order to access Atom Bank mortgages, each applicant has to own a compatible smartphone. You’ll monitor the application process and conduct customer service queries through the Atom Bank app.

The bank aims to take the stress out of applying for a mortgage through this streamlined application process.