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

Atom Bank6 Oct 17

Source: HotUKDeals | Deals > All categories

Opening post

Kay135

6 Oct 17

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.

26 comments

flyingflea

6 Oct 17 #1

Santander offers a better 5 year Fixed rate @ 1.79%

Kay135 to flyingflea

7 Oct 17 #17

That's for 60% LTV

Dr_Lovegod

6 Oct 17 #2

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

jjsm639 to Dr_Lovegod

7 Oct 17 #23

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.

flyingflea to Dr_Lovegod

7 Oct 17 #26

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.

escortboy

6 Oct 17 #3

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

sirhobo to escortboy

6 Oct 17 #4

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

senukas

7 Oct 17 #5

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.

therandomise

7 Oct 17 #6

Anyone know the early repayment charges with Atom Bank?

keloid to therandomise

7 Oct 17 #7

Would like to know this too!

ultra to therandomise

7 Oct 17 #8

therandomise

7 Oct 17 #9

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

Malachi_X to therandomise

7 Oct 17 #10

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

ultra to therandomise

7 Oct 17 #11

Kay135 to therandomise

7 Oct 17 #18

20% per year

Jonnyblock

7 Oct 17 #12

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

niall71 to Jonnyblock

7 Oct 17 #13

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

Jonnyblock to niall71

7 Oct 17 #14

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...

Malachi_X to Jonnyblock

7 Oct 17 #19

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%...

Kay135 to Jonnyblock

7 Oct 17 #22

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.

Jonnyblock to Kay135

7 Oct 17 #24

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.

Kay135 to Jonnyblock

7 Oct 17 #25

Fair point. They do generally.

1616french

7 Oct 17 #15

downloaded atom app but i cannot locate any mortgage offers

Kay135 to 1616french

7 Oct 17 #16

They only offer their rates through brokers at the moment