Terms and Conditions

A processing fee (including valuation fee) will be required with the mortgage application. Our actual fees are available in PDF format, Click here to open. (You can download Adobe Acrobat reader for free at www.adobe.com.)

The lender's decision is always final and is based upon receipt of a completed application form or Decision in Principle form and supporting documents.

Written credit details available upon request. All loans are secured against UK property. Mortgage providers used are members of the Council of Mortgage Lenders www.cml.org.uk

A mortgage is a personal, important matter and we treat all aspects of our responsibilities very seriously. To that end AToM is registered with the Office of Fair Trading (CCL No. 330953) and is regulated and authorised by the Financial Services Authority (FSA) No. 304030 www.fsa.gov.uk

If you take out an interest only advance you should ensure that you have a repayment vehicle in place to repay the capital debt. A 1% increase in interest rates can have a dramatic impact on your monthly payment, you should not assume rates will remain stable over the period of the loan. Make sure you can afford your mortgage if your income falls.

A member of the AToM Group of Companies. AToM House, North Street, Horsham, West Sussex , RH12 1RQ. Registered in England No: 2661757. Registered Office: Fairwinds Lyons Road Slinfold West Sussex RH13 0RY. Errors and omissions excepted.

For information on our customer complaint handling process, Click here.

Sat, 4 Feb 2012 08:00 GMT
NAPF: Savers face £1bn hit from 'unfair and opaque' annuity system
Joint report by the National Association of Pension Funds and the Cass Business School calls for a range of fundamental reforms to the way people shop around for a retirement income.

Fri, 3 Feb 2012 15:20 GMT
Net retail sales fall 40% in 2011, IMA stats
The IMA has seen net retail sales fall 40 per cent to £18bn in 2011.

Fri, 3 Feb 2012 14:59 GMT
Most people have zero risk appetite, FSA finds
The majority of people have no risk appetite at all when it comes to investments, the latest research by the FSA shows.

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AToM is authorised and regulated by the Financial Services Authority.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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