AToM Sales

“With a highly experienced team of specialist mortgage consultants, it makes sense to speak to AToM.”

MEET THE TEAM!

AToM Packaged Sales Team

AToM Sales is the fast-track processing arm of AToM for all Directly Authorised and approved Appointed Representatives.

If you have already pre-sourced your case our team will check your case thoroughly against the lender's criteria and make sure everything fits. They will let you know what is going to be required for an application and if it doesn't fit the lender we will automatically assess against our entire panel to find the bets deal we can offer.

If you haven't been able to source your case and need help placing your specialist business submit a DIP via our system and our team will assess your case against our entire panel and let you know all the options available, including rates, fees and timescales so you can make the best choice for your client.

We have a team of experienced Mortgage Sales Consultants available every day to assist you, whatever your client’s circumstances:

BTL, HMOs and MUFBs - With a raft of new regulations being introduced over the last couple of years and lenders tightening their lending policies to comply, it's becoming increasingly more difficult to place non-standard BTL applications. The AToM Sales Team have the knowledge and resources to make this much easier!

Adverse Credit - AToM has lenders who will lend to those who have had credit problems, such as CCJs, defaults, IVA’s or even bankruptcy. Including adverse regsitered quite recently.

Later Life Lending - Currently the fastest growing part of the UK mortgage market is older borrowers looking to refinance or purchase new properties. Due to mainstream lenders limitations on client's ages and incomes this is being increasingly picked up by the specialist market.

Government Schemes - While the future of some government schemes may be in question, for the time being they are here to be utilised by your clients who may need assitance with getting on the housing ladder. Whether it's Help to Buy, Right to Buy or Shared Ownership we have lenders who can assist.

Expats - If your clients are looking to purchase or remortgage a property they own in the UK we can help. If it's a Buy to Let or Residential property we have lenders who are experienced and want to lend to UK expats, even they don't currently own proeprty in the UK!

The bank of Mum & Dad? - With the step onto the property ladder becoming tougher and tougher, First Time Buyers are turning to Mum and Dad to assist. We can assist with client's looking to purchase with gifted deposits from family members, purchasing property from family with the equity being gifted or even "family-assist" mortgages which can take the LTV up to 100% by taking a charge over the parents property as well as the clients.

To find out more, please call 01403 27 26 25or email us at sales.team@atomltd.co.uk

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Contact Details


All Types of Mortgages Limited
AToM House
24 Carfax

Horsham,
West Sussex
RH12 1EB
Phone: 01403 27 26 25