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atom.wealthyadvisersclub.co.uk

FCA regulated adviceMortgage and protection specialists
steven@atommortgages.co.uk 07788 580 360
AtomAll Types of Mortgages Book a callback
Independent mortgage and protection advisers

All types of mortgages, arranged around you.

Atom is a whole of market mortgage and protection broker for first-time buyers, home movers and landlords across the UK. We read the whole market so you do not have to, then stay on the case from the first call through to completion.

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FCA regulated adviceMortgage and protection specialistsDip CII and MAQ qualifiedConveyancing support included

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No obligation. A friendly adviser will call you back within one working day.

By submitting you agree to be contacted about your enquiry. Your details are never shared. Demo form, wire to the client's CRM and confirm the wording before go-live.

Access to leading UK lenders

HalifaxBarclaysNatWestSantanderNationwideHSBCVirgin MoneySkiptonCoventryAccordTSBLeeds BSKensingtonPreciseTogetherAldermoreHalifaxBarclaysNatWestSantanderNationwideHSBCVirgin MoneySkiptonCoventryAccordTSBLeeds BSKensingtonPreciseTogetherAldermore

Lender names are indicative of the panel we can access. Confirm the exact panel before go-live.

What we do

Advice for every stage of the move

Most people arrive with one question and leave with a plan. Here is where our clients usually begin.

First-time buyers

From deposit to keys, matched to lenders who take a sensible view of your situation.

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Moving home

Porting, borrowing more or starting fresh, we keep your move on schedule.

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Remortgaging

Coming off a fixed rate? We check the whole market before your deal lapses.

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Buy-to-let

Landlord finance that adds up, whether it is your first rental or your fifteenth.

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Protection and insurance

Life, income and critical illness cover so your family stays secure.

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Later-life lending

Retirement interest-only and equity release, explained slowly and in plain terms.

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Conveyancing support

We help line up the legal side and keep your solicitor and the lender talking, so the chain does not stall.

View all mortgage services View all protection
A row of traditional British terraced houses under a blue sky
Why Atom

We answer to you, not to a lender

Independent means exactly that. There are no branch targets and no favourite banks in the background. We look at the whole panel, recommend the deal that fits your life, and put our reasoning in writing.

  • Whole of market searchWe compare a wide panel of UK lenders on every case, including deals the high street cannot offer you directly.
  • One named adviserThe same person from your first call through to completion, who knows your file inside out. No call centres.
  • Evenings and weekendsAppointments that fit around work and family, not just office hours.
  • Clear fees, agreed firstYou know the exact cost before you commit to anything, and we put it in writing.
More about us
By the numbers

A broker that clients come back to

Whole of marketLender panel
4.9 out of 5Client review score
1 working dayAverage callback time
98%Would recommend us

Figures shown are placeholders for this build. Replace with the firm's own verified numbers before go-live.

How it works

Three steps, no jargon

A clear line from the first conversation to completion, with a named adviser the whole way.

Step 01

A proper first conversation

Tell us where you are and where you want to get to. We listen first, then set out the realistic options in plain English, including the ones that mean waiting.

Step 02

We search and recommend

We compare the market, run the affordability and stress tests, and bring back the mortgage and protection that genuinely fit. Our reasoning goes to you in writing.

Step 03

We handle the paperwork

From application to completion we deal with the lender, chase the valuation and the solicitors, and keep you posted the whole way through.

Client stories

Moves we helped happen

A few words from clients we have helped. More on the reviews page.

★★★★★
We were first-time buyers with no clue where to start. Atom walked us through every stage, found a rate we did not think we would get, and we had keys within a couple of months.
JT
Jade & TomFirst-time buyers, Sheffield
★★★★★
My fix was ending and I was about to roll onto the standard variable rate. One call and they had me sorted on something far cheaper before the deadline.
MR
Michael R.Remortgage, Bristol
★★★★★
I have bought three rentals through them now. They understand landlords and keep finding lenders other brokers said would say no.
AN
Anita N.Landlord, Leicester
Also from Steven

SWR Wills, the other half of the plan

A mortgage protects the roof while you are here. A will decides what happens to it afterwards. Steven also runs SWR Wills, covering wills, lasting power of attorney, estate planning and probate support, with free home visits across Essex and East London.

Wills and LPAs Probate support Free home visits
Visit SWR Wills
An adviser and client shaking hands
Fees and how we work

Clear about money from the first call

You should never be surprised by a fee. We explain how we are paid before you commit, and we confirm any broker fee in writing. Many of our cases carry no broker fee at all.

  • Free first appointmentYour initial chat costs nothing and carries no obligation whatsoever.
  • Fees agreed in writingAny broker fee is confirmed before you proceed, never after.
  • Protection advice at no costInsurance recommendations are free to you. The insurer pays us a commission.
How we are paid. We receive a procuration fee from the lender when your mortgage completes. Where a broker fee applies to your case we confirm the exact amount upfront. Placeholder wording, confirm with the firm before go-live.
Paperwork and a calculator on a desk
Good to know

Questions we hear a lot

Do you charge for advice?
We are upfront from the first conversation. Many of our cases are arranged with no broker fee at all, and where a fee applies we tell you the exact amount before you decide anything. Your first appointment is always free.
How many lenders do you compare?
As a whole of market broker we compare a wide panel of UK lenders, including products you cannot get by walking into a single bank branch.
I am self-employed. Can you still help?
Yes. We work with sole traders, contractors and company directors every week, and we know which lenders take a sensible view of that kind of income. One year of accounts is often enough with the right lender.
How quickly can we speak?
Leave your details and a named adviser will be in touch within one working day, often the same day. Evening and weekend slots are available.
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Let's talk

Let us find your best deal

A short, friendly chat is all it takes to see what you could save. No jargon, no pressure, just clear advice.

Book a callback Call 07788 580 360