| 30/1/12 - AToM EXCLUSIVE with Precise |
AToM are delighted to be allocated a TRUE EXCLUSIVE product by Precise Mortgages.The 85% LTV product has a starting rate of just 6.54% and allows 1 default in the last 24 months (0 in last 3) up to £1k, 1 CCJ up to £750 and 1 missed mortgage payment (0 in last 12). The more adverse range at 8.44% and allows 2 defaults in the last 24 months (0 in last 3) up to £5k, 1 CCJ up to £2,500 and 1 missed mortgage payment in the last 12, 3 in last 36 months. To download the AToM EXCLUSIVE 85% range CLICK HERE For the new Precise core range CICK HERE |
| 26/01/12 - Precise product changes |
On Monday 30th January 2012 Precise will be replacing their complete Near Prime Home Owner range.The last application date for the current range is close of business Friday 3rd February 2012. In order to secure a product for submission, you must ensure you obtain a full decision KFI and progress into application prior to midnight on 29th January 2012. Look out for the new range details on Monday 30th January, but in the meantime, please contact AToM asap to process any cases on the existing range. |
| 20/01/12 - Complex Prime |
Complex Prime can be used for many scenarios. No two cases are the same! A large percentage of applications are declined by lenders using their 'black box' decisioning systems. They are often first class applications which fail simply because of lenders credit scoring criteria which often seem stupifyingly senseless, turning away customers who are undoubtedly credit worthy. AToM can help. We have access to many lenders who do not credit score and who have an appetite to lend. Mostly, clean credit, although recently we have placed customer who are on Debt Management Plans, or who have had minor or historic adverse. Must be able to prove affordability. To find out more on AToM Complex Prime, please call us. |
| 19/01/12 - GE Moneys new rate card |
To download GE Money's new rate card, please Click here for the full guide Click Here for the one page guide |
| 18/1/12 - Platform Withdrawals |
Platform will be withdrawing all products with effect from 5pm Friday 20 January. New products will be available from Monday 23 January. Criteria/policy changes Buy to Let minimum income - one applicant must earn a minimum of £25,000. Buy to Let portfolio exposure We will accept a maximum portfolio exposure of 3 Buy to Let properties totalling £1.5m. If the customer also has their main residential mortgage with The Co-operative Group, total exposure including this residential loan must not exceed £2m. Product changes Buy to Let • All tracker rates increased • All fixed rates remain unchanged • All fixed rate end dates extended to 30 April Almost Prime • All rate remain unchanged • All fixed rate end dates extended to 30 April Pipeline deadlines All products will be withdrawn from our website and all sourcing systems at 5pm Friday 20 January. All applications must be received at Platform by 5pm Friday 20 January. Applications must have a clickdecision. All packaged applications must be fully packaged and accompanied by all items on our shopping list. |
| 18/01/12 - GE Money Change Rates |
GE Moneys rate card has been reviewed in line with the marketplace and increases ranging from 0.05% to 0.45% come into effect from Friday 20 January 2012. They also have been able to make minor reductions of 0.05% on a small number of products. The GE Mortgage Base Rate has also been increased by 0.5% to 4% to reflect the increase in funding costs. These changes will be effective from Friday 20 January 2012 and details of the new 0412 range can be downloaded below. • All IDOL DIPs must be completed by 5.30pm on Thursday 19 January 2012, by AToM • GE must receive fully packaged applications for the 5111 range in our office by close of business on Friday 3 February 2012 (AToM need ASAP) • All submissions must be offered by close of business on Friday 24 February 2012. • Any subsequent re-offers will be on the 0412 terms • All cases offered on the 5111 range or previous will be honoured on those terms. There will be NO EXCEPTIONS to these deadlines For New Rates - Click Here For Current Rates - Click Here |
| 09/01/12 - GE Moneys Best Overall Packager of 2011 |
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AToM is delighted to be awarded Best Overall Packager of 2011 for GE Money Home Lending.Dale Jannels, Managing Director at AToM said, "We are delighted to receive this award from GE Money and credit must go to the superb team we have at AToM. 2011 was a great year for the Specialist Lending arena and GE Money were exceptional in providing products to assist the increasing demand. Loyalty has been a major concern in the current climates, no dual pricing, limited distribution, etc and GE Money have shown both their staying power and trust in the Specialist Packagers to deliver volumes. The business is increasing and GE Money are delivering. 2012 will again show an increase in Specialist Lending volumes and we look forward to working closely with Mark and the GE Money team to achieve all goals.” Mark Snape, Sales Director at GE Money Home Lending added “GE has forged a strong and productive relationship with Dale, Vic and the AToM Team over a number of years. We decided to present several awards this year in recognition of the outstanding support we have received from AToM and the other Packagers for many years. AToM came out on top overall and the award is well deserved. We look forward to working with the AToM Team and enjoying more mutual success in 2012” Click here |
| 04/01/12 - Focus on GE Money |
GE Money have some superb product offerings:- Rates from 3.99% - Self Employed 2 yrs proof of income acceptable (1 year by referral), Accountants Certificate & SA302 acceptable - Generous Affordability - 80% LTV Repayment, 75% Interest Only - Adverse acceptable as per product guide. Download latest product guide by clicking here Send us a DIP for a soft footprint credit score. |
| 03/01/12 - Focus on Precise |
AToM are delighted to offer a semi-exclusive Near Prime 85% LTV product through Precise Mortgages.Product details allow for defaults, CCJs and missed mortgage payments, cater for the employed or self employed and LTVS to 85%. Not available to FTB. Min loan £70k, max £300k Download the product guide by clicking here and remember it's a SOFT FOOTPRINT DIP. |
| 23/12/11 - Merry Christmas & Happy New Year! |
The Directors and Staff at AToM would like to thank you for your support throughout 2011 and we look forward to working with you in 2012.Wishing you a very Merry Christmas and a Happy New Year! |
| 21/12/11 - Shawbrook changes |
Shawbrook are making changes to their commercial proposition:Summary of key changes • Interest only option now available up to 70% LTV on residential investment only. • Minimum loan increased to £75k, and minimum property value increased to £100k. • Pricing on residential investment applications amended to 4.95% up to 70% LTV, and 5.55% on 75% LTV applications. • Commercial and semi-commercial property types combined and priced at 5.95% up to 75% LTV, and 6.55% on 71-75% LTV applications. • Margin loading for public houses increased to 0.5%. • Arrangement fee on investment applications increased to 2.5% with 0.25% paid upon acceptance of the offer and the remaining 2.25% added to the loan. (Please note this revised fee also applies to our larger loan investment deals as well as our short term loan product). Pipeline New plans apply to all new applications received from 23rd December onwards. • Any existing applications will need to have progressed to Indicative mortgage offer by January 12th. Those failing to do so will only be considered on the new product range. • Any current or subsequent indicative mortgage offers (valid for 14 days post issue) or formal offers expiring (valid for 14 days post issue or 3 months since acceptance) will only be re-issued on the new product range. Speak to AToM Commercial for more information. |
| 19/12/11 - AToMs Christmas Opening Hours |
AToM will be open throughout the festive period as follows:Fri 23rd Dec 9.00am - 2pm Sat 24th Dec - Closed Mon 26th/Tues 27th Dec - Closed Wed 28th Dec - 9am to 3pm Thu 29th Dec - 9am to 3pm Fri 30th Dec - 9am to 2pm Sat 31st Dec - Closed Mon 2nd Jan - Closed Tue 3rd Jan - Business as usual! |
| 19/12/11 - BM Product Withdrawals |
On Tuesday 20th December, BM will be making changes to their Buy to Let product range.To prepare for these changes, selected product codes will be withdrawn. To secure current products, please ensure any applications on existing codes are submitted in full before 8pm tonight (Monday 19th December). |
| 19/12/11 - Paragon withdraws all products |
Please note that Paragon will be delivering a new range of products early in the new year. Therefore the current range of Paragon and Mortgage Trust products will be withdrawn on 30th December 2011.In order to qualify for the current products, fully completed application forms will need to be received at Solihull, or in the case of Mortgage Trust input on line, by midday on the 30th December 2011. |
| 15/12/11 - Platform withdrawals |
Platform will be withdrawing the following products with effect from 5pm Thursday 15 December. All other products will remain unchanged.Buy to Let 2 year tracker B175 Buy to Let 2 year tracker B178 Mainstream 2 year tracker M73 All products will be withdrawn from their website and all sourcing systems at 5pm Thursday 15 December. All applications must be received at Platform by 5pm Friday 16 December. Applications must have a clickdecision. |
| 13/12/11 - TMW make changes |
TMW will be withdrawing some products and selected rates will be increased today. Product Withdrawals • B22182, 2 year fixed, 4.24%, 75% LTV • B03466, 3 year fixed, 5.64%, 80% LTV • LB0140, 1 year fixed, 3.54%, 75% LTV • LB0141, 1 year fixed, 3.94%, 75% LTV • LB0142, 1 year fixed, 4.09%, 75% LTV • B01229, 1 year fixed, 3.54%, 75% LTV • B01230, 1 year fixed, 3.94%, 75% LTV • B01628, 1 year fixed, 4.19%, 75% LTV • B01629, 1 year fixed, 4.19%, 75% LTV Securing current products You can secure any of the current products available via TMW Online by completing a DIP before 12pm Tuesday 13 December 2011. Any DIPs must be progressed to full mortgage application by 8pm Tuesday 13 December 2011. |
| 12/12/11 - Precise adjust LIBOR rate |
Please note that from midnight tonight (Monday 12th December) Precise Mortgages LIBOR rate will reset to 1.06% (previously 0.91%)
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| 12/12/11 - Missed Mortgage Payment? |
AToM can assist with many of your customer requirements. Whether they need something Complex, Prime or need someone to consider adverse, we may be able to help. One example is a missed mortgage payment for residentials. HOWEVER, it can be one missed payment, a number of times. Everything is dependant on a soft footprint credit score, so call us now to see how we can assist. |
| 09/12/11 - Platform change Exclusive |
Platform have made rate changes to the Semi exclusive product - - Max 65% LTV - DM plans considered - £500 CCJ in last 6 years - Defaults accepted, subject to credit score - Available to ARs of Sesame and PTFS via AToM Click here to see details - Normal Platform Almost Prime criteria applies Please send us a DIP to confirm acceptance |
| 09/12/11 - Platform make changes to Signature requirements |
With effect from Monday 12 December Platform will be removing their Acceptance of Offer and instead will require all applicants to sign the application form. Platform will require the original signature(s) on the application form to proceed to completion. Applications submitted from Monday 12 December onwards: Once the application has been submitted download the pre-filled application form for applicant(s) to sign. You will need to send us the form with the original signatures. There will no longer be an acceptance form attached to the Offer for the applicant to sign. Pipeline applications submitted before Monday 12 December: Platform will still require the signed Acceptance of Offer from the applicant(s). |
| 08/12/11 - Platform withdrawals |
Platform will be withdrawing all products with effect from 5pm Friday 9 December. New products will be available from Monday 12 December. Let to Buy - Buy to Let Platform will now only accept Let to Buy, Buy to Let applications on specific Let to Buy, Buy to Let products. Identity Requirements Platform have updated their list of Identity Requirements. Changes include accepting bank statement, utility bills or mortgage statements issued within the last 6 months (Previously 3 months). Owner occupier rule Platform will now accept Buy to Let applications where only one applicant is an owner occupier providing their credit search shows that applicants are married/co-habiting and permanently residing at the owner occupier address. First Time Buyer definition Platforms definition of a First Time Buyer has changed to: ‘an applicant, or applicants if it is a joint application, who have never acquired an interest in property anywhere in the world’ Product changes Buy to Let • Let to Buy products launched • 1 year tracker B167 Options exclusive withdrawn • 2 year tracker B168 Cashback exclusive withdrawn • All 4 year fixed products withdrawn • 2 year fixed B151 increased by 0.20% • 2 year fixed B154 increased by 0.20% • 2 year tracker B161 increased by 0.20% • 2 year tracker B162 increased by 0.20% • Cashback 2 year tracker B165 increased by 0.20% Mainstream • 2 year tracker remortgage product with £500 cashback launched • All 4 year fixed products withdrawn Almost Prime • Packaged semi-exclusives relaunched Pipeline deadlines All products will be withdrawn from websites and all sourcing systems at 5pm Friday 9 December. All applications must be received at Platform by 5pm Friday 9 December. Applications must have a clickdecision. All packaged applications must be fully packaged and accompanied by all items on the shopping list. |
| 07/12/11 - AToM become approved packager for SimplyBiz Mortgages |
AToM (All Types of Mortgages Ltd), the specialist mortgage packager and distributor, is delighted to announce its new partnership with SimplyBiz Mortgages. AToM will offer their lender products and offerings to the SimplyBiz Mortgages membership.Dale Jannels, managing director at AToM said, "We are delighted to partner with SimplyBiz Mortgages. We’ve dealt with a good number of their members for some time and now becoming their approved packager allows us to actively promote our lender offerings, including Complex Prime, to the whole SimplyBiz Mortgages membership. In the current climate, our Complex Prime and ‘don’t say no to a customer until you’ve spoken to AToM’ campaigns are in great demand. Education and communication are key and this will enable us to continue to grow these areas to the benefit of all parties and, most importantly, finding the right deal for the end consumer! We are really excited to be working with the SimplyBiz Mortgages team.” Emma Hollingworth, Director of Mortgages at SimplyBiz added “We have added AToM to our lender panel to assist with those difficult to place cases. SimplyBiz Mortgages strives to be the best mortgage club we can for our members, offering a solution for all of their clients’ needs. Adding AToM to our panel adds further to our comprehensive offering.” |
| 07/12/11 - Shawbrook offer 0.7% pm via AToM |
AToM are delighted to be one of the limited distributors for Shawbrook Banks new product offering.Key features include: * Targeting established and professional investors * PURCHASE only applications to a maximum of 65% LTV (based upon the lower of purchase price or current market value). * Pricing at 7.45% above 3 month libor, equating to a rate of 0.7% a month. * Arrangement fee of 1.95% added to the loan, * Min loan £150k, max £2.5m. Min 3 months, max 12 month terms only. * No early repayment charges. (Subject to a minimum of 3 months interest). * Residential or mixed use investment property in strong geographic locations only * Clients must have a strong personal net worth and independent material income; A1 credit conduct on all facilities and be experienced within the property sector. * Interest can be; 1. serviced by direct debit. 2. retained from the advance. 3. retained for the first 3 months with remaining interest payments serviced. Where the client is buying a property to refurbish, this is acceptable provided the LTV does not exceed value in its current condition, the client must have the capital required to fund any refurbishment works. * This is a non-regulated product, with restricted distribution. Speak to AToM for more details |
| 02/12/11 - BM Withdraw products |
On Saturday 3rd December, we will be making changes to our Buy to Let product range.To prepare for these changes, selected product codes will be withdrawn. Please ensure any applications on existing product codes are submitted in full before 8pm tonight (Fri 2nd Dec) |
| 01/12/11 - TMW Cases through AToM |
With effect from 1st December 2011, all TMW applications proceeding through AToM will be required to use one of the solicitor companies on the AToM Panel.This is an AToM company decision and AToM will action the instruction of the solicitors. To obtain a quotation for your customer, please CLICK HERE. The above changes do not apply to cases going direct to TMW and highlighting AToM as the payment route. |
| 28/11/11 - TMW product changes - 12pm TODAY |
With effect from Tuesday 29 November 2011, TMW will be making changes to their Buy to Let, Let to Buy and First Time Landlord product ranges. Selected rates at 65% & 75% LTV will be increasing You can secure any of the current products available via TMW Online by completing a DIP before 12pm Monday 28 November 2011. Any DIPs must be progressed to full mortgage application by 8pm Monday 28 November 2011. |
| 25/11/11 - Hanley launch a new product via AToM |
Hanley BS have launched a new 2 Year Fixed Rate Mortgage at 3.24% up to 80% LTV. Product includes Free Re-Mortgage Legals or £250 House Purchase Cashback and Free ValuationHouse Purchase - 80% Re-Mortgage - 80% • A £150 booking fee is payable on application of this product and is non refundable • £350 Arrangement Fee (which may be added to the loan as long as the LTV including the fee does not exceed the maximum for the product) • Minimum Age 18 years, Maximum Age 65 years on redemption • Minimum Loan size £30,000, Maximum Loan £750,000 • Minimum House Purchase Price £70,000 (inside M25 £125,000) No credit scoring - See Full Spec Go Direct to Lender, register with Hanley and choose AToM as payment route |
| 23/11/11 - AToM, the Introducer Guide |
Whether it be an 85% Near Prime, a clean Complex Prime, quick Bridging Finance, a Commercial Loan, a Residential with good income multiples, BTLs with free vals, Let 2 Buys, RTBs, and more, AToM can help.Download our latest Introducer Guide to see our offerings and how we can help you and your customers: Click Here to download the full brochure |
| 22/11/11 - Precise and AToM in London |
The Precise Mortgages 1966 Routemaster London bus will be parked at the Marriott Regents Park Hotel on Tuesday 29th November. Alan Cleary, Precise Mortgages Managing Director and Roger Morris, Precise Mortgages Sales Director, will guide you through 30mins of presentations packed full of sales ideas and consumer insight to help you gain more market share and generate new income opportunities. Dale Jannels, AToM Managing Director, will also be on hand to discuss the fantastic 85% Near Prime exclusive. To register your interest, please email: FULL NAME, COMPANY NAME, ADDRESS, CONTACT NUMBER, EMAIL and Preferred time (10am 12pm 2pm 4pm) Click here to email over the details For other venues and dates - >Click here |
| 18/11/11 - Precise move in to Scotland |
Precise have launched their entire product range of Short Term Lending, Bridging and Near Prime products in Scotland with effect from today (Fri 18th Nov).This also means that the AToM exclusive (85% LTV) is available in Scotland. Please call us for more information. |
| 15/11/11 - BM Solutions withdraw products |
BM Solutions are withdrawing the following product codes:• LVU - 3.49% 2 year tracker, 1.25% product fee, available up to 60% LTV with 500 cashback. • NBJ - 4.30% 2 year fixed, 1.25% product fee, available up to 60% LTV with 500 cashback. Exclusive when using the BM Conveyancing service. • NBK - 4.45% 2 year fixed, 1.25% product fee, available up to 60% LTV with 500 cashback. Please ensure any applications on these products are submitted in full before 8pm tonight (Tuesday 15th November). |
| 14/11/11 - Hanley withdraw 3.09% Fixed at 5pm tonight |
With effect from 5pm tonight, Hanley will be withdrawing their 2 Year 3.09% Fixed Rate Mortgage from the Intermediary Market.Any outstanding enquires need to be generated through their online DIP / KFI engine by 5pm and any applications by close of business Friday 25th November. |
| 01/11/11 - GE Money Launch Self Employed |
GE Money have launched two plans for the Self Employed:- Same product offering as LVM0/LTM1 - No S/E loading, rates from 3.99% - 2 yrs proof of income acceptable (1 year by referral) - Accountants Certificate & SA302 acceptable - Generous Affordability - 80% LTV Repayment, 75% Interest Only - Declining profits considered(last year used) - Adverse acceptable as per product guide. Download latest product guide by clicking here Send us a DIP for a soft footprint credit score. |
| 28/10/11 - BM Withdrawals |
BM Solutions are withdrawing the following product codes tonight:• LWK - 3.99% 1 year tracker, 2.5% product fee, available up to 75% LTV. • LYI - 4.25% 1 year tracker, 0.5% product fee, available up to 60% LTV. Please ensure any applications on these products are submitted in full before 8pm tonight (Friday 28th October) and highlight AToM as the payment route.. |
| 28/10/11 - GE Money and Self Employed |
GE Money will launch two plans for the Self Employed on 1st November.- Same product offering as LVM0/LTM1 - No S/E loading, rates from 3.99% - 2 yrs proof of income acceptable (1 year by referral) - Accountants Certificate & SA302 acceptable - Generous Affordability - 80% LTV Repayment, 75% Interest Only - Decline in Profits acceptable (last year used) - Adverse acceptable as per product guide. Download latest product guide by clicking here Send us a DIP and we'll process on Tuesday morning. |
| 27/10/11 - TMW make changes |
From tomorrow, 28 October, TMW will be making changes to their Buy to Let product range. As a result, they will be withdrawing selected products.Buy to Let • Introduction of new 3 year fixed products, up to 80% LTV • Selected products repriced • Withdrawals include: o 75% LTV tracker products / Selected fixed rates at 80% LTV / 18 month and 4 year fixed rates / Step Down Tracker & Lifetime Variable products / Selected Light Refurbishment fixed & tracker products • End dates extended across the range Securing current products You can secure any of the current products available via TMW Online by completing a DIP before 12 noon, 27 October 2011. Any DIPs must be progressed to full mortgage application by 8pm 27 October 2011. |
| 26/10/11 - AToM & Precise Launch 85% Near Prime |
AToM are delighted to launch an exclusive Near Prime 85% LTV product through Precise Mortgages.Alan Cleary, managing director of Precise Mortgages says “I expect this to be a popular product as we all know how difficult it is for borrowers at the moment. As High Street Banks continue to take market share from intermediaries using dual pricing or enticing customers into their branches with multi million pound marketing campaigns so we are proud to be offering a product that is only available through intermediaries.” Dale Jannels, managing director of AToM comments “This is a superb product from Precise and caters for a gap in the current near prime market. Near prime is, once again, becoming a large part of our business and this product offers a superb LTV and some customer friendly criteria. We are delighted, privileged and excited to be launching this product and look forward to assisting many customers that currently are not being catered for.” Product details allow for defaults, CCJs and missed mortgage payments, cater for the employed or self employed and LTVS to 85%. Not available to FTB. Min loan £70k, max £300k Download the product guide by clicking here and remember it's a SOFT FOOTPRINT DIP. HAVE YOU BOOKED YOUR SEAT ON THE PRECISE BUS TOUR? For more information, CLICK HERE |
| 25/10/11 - GE to offer mortgages to the Self Employed |
You may have seen in yesterdays trade press that GE Money are launching in to the Self Employed arena.AToM will have access to these products and will update this page with more information as soon as is allowed. |
| 24/10/11 - Visit AToM at Expo 2011 |
AToM will be exhibiting at this years Mortgage Business Expo at Olympia 2 on 16th/17th November.Visit us at stand F28 and speak to TWO of our Complex Prime Lenders. To book, click here to go to the MBE website |
| 24/10/11 - Platform launch Almost Prime Semi-Exclusive |
AToM are delighted to be offering this Almost Prime Semi-Exclusive product - - Max 65% LTV - DM plans considered - £500 CCJ in last 6 years - Defaults accepted, subject to credit score - Available to ARs of Sesame and PTFS via AToM Click here to see details - Normal Platform Almost Prime criteria applies Please send us a DIP to confirm acceptance |
| 18/10/11 - Hanley 90% Remortgage Semi-Exclusive |
Hanley have launched a 90% Re-mortgage Semi Exclusive via AToM - 3 Year Discount Re-Mortgage Only - 4.19% Initial Pay Rate for 3 years which represents a 1.00% discount off SVR • Re-mortgage Legal Fees - There will be no legal fees payable where the Society’s re-mortgage scheme is used up to a maximum of £250 • One free standard valuation per customer for properties up to £250,000** • A £150 booking fee is payable on application and is non refundable • £400 Arrangement Fee (which may be added to the loan as long as the LTV including the fee does not exceed the maximum for the product) • Maximum Age 65 years on redemption • Minimum Loan size £30,000, Maximum Loan £250,000 • Higher Lending Charge will be paid by The Society • Only available on properties in England and Wales • Proc fee of 0.30% See Full Spec NO Credit Scoring Go Direct to Lender, register with Hanley and choose AToM as payment route |
| 19/10/11 - Platform withdrawals Friday 21st Oct |
Platform will be withdrawing all products at 5pm Friday 21 October. New products will be available from Monday 24 October.Buy to Let - Fixed rate end dates extended to 31 January - 2 year tracker with 1% cashback - rates increased by 0.20% - 4 year fixed rates reduced by 0.20% Pipeline deadlines - Clickdecision and KFI’s All products will be withdrawn from websites and all sourcing systems at 5pm Friday 21 October. All applications must be received at Platform by 5pm Friday 21 October. Applications must have a clickdecision. All packaged applications must be fully packaged and accompanied by all items on our shopping list. |
| 17/10/2011 - Hanley Product Withdrawn |
Hanley have withdrawn their products with immediate effect due to the tranche being full. New products will be launched shortly.
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| 07/10/11 - Platform withdrawal |
Platform will be withdrawing the following product with effect from 5pm Tuesday 11 October.Buy to Let 2 year tracker B140 - 60% 3.09% / 65% 3.49% / 70% - 3.69% Products will be withdrawn from all sourcing systems at 5pm Tuesday 11 October. All applications must be received at Platform by 5pm Tuesday 11 October. Applications must have a clickdecision. All packaged applications must be fully packaged and accompanied by all items on the shopping list. |
| 07/10/11 - Has you client had missed mortgage payments? |
Have you got clients who's worst case scenario is up to:Defaults 2 in last 24 months (0 in 3); maximum £5000, (no more than 1 in first 12 months maximum £1000). CCJs 1 in last 24 months (0 in 3), (maximum £1000 in 3-12 months, or maximum £2500 in last 13-24 months). Mortgage Arrears 1 in last 12 months (0 in 3) - can be a number of 1s, but not exceeding a 1. 3 in last 36 months. - can be a number of 3s, but not exceeding a 3. * Subject to credit scoring and normal underwriting requirements. * Employed or Self Employed * Max LTV 80% (int only 75%) * Residential Properties * England & Wales We may be able to assist! Send AToM a DIP! |
| 06/10/11 - BM Withdrawals at 8pm |
BM Solutions is making changes to its current Buy to Let range. The following products are being withdrawn at 8pm, Thursday 6th October. There are no other changes being made to the range at this time. • NAJ - 4.84% fixed until 01/12/2013, 1.25% product fee and £500 cashback. Exclusive when taking out BM Conveyancing. • LWL - 4.99% 1 year tracker (BBR+4.49%), 1.00% product fee. Please ensure any applications on these products are submitted in full before 8pm tonight (Thursday 6th October) with AToM as the payment route! |
| 03/10/2011 - Hanley launch 95% LTV via AToM |
3 Year FTB Discount Mortgage - 4.75%which represents a 0.44% discount off the HEBS SVR This product is subject to the following • House Purchase - A £250 cashback on completion of the mortgage will be given* • One free standard valuation per customer for properties up to £250,000** • A £99 booking fee is payable on application of this product and is non refundable • £400 Arrangement Fee (which may be added to the loan as long as the LTV including the fee does not exceed the maximum for the product) • Minimum Age 18 years, Maximum Age 65 years on redemption • Minimum Loan size £30,000, Maximum Loan £250,000 • Minimum purchase price of £70,000 or Properties inside the M25 minimum purchase price £125,000 • One capital payment of up to 10% of the mortgage balance is permitted each year for the first 3 years. • Higher Lending Charge if applicable will be paid by The Society & Private insurance subject to £25 administration fee • Only available on properties in England and Wales • This mortgage can only be taken out on a repayment basis • ERCs of 2% during discount period only **NO CREDIT SCORING ** Please contact the AToM sales team for more information and access details or CLICK HERE Register with Hanley and choose AToM as payment route |
| 30/09/11 - BM Solutions withdrawals |
On Saturday 1st October, BM Solutions will be making changes to two of its 2 year Buy to Let trackers at 75% LTV. To prepare for this the following product codes will be removed: • LYJ - 4.10% 2 year tracker, 2% product fee and £500 cashback. (BM Conveyancing). • LYK - 4.25% 2 year tracker, 2% product fee and £500 cashback. Please ensure any applications on these products are submitted in full before 8pm tonight (Friday 30th September). Don't forget to select AToM as payment route. |
| 30/09/11 - Mortgage Strategy Awards 2012 |
If you work within the UK mortgage industry you are eligible to have your say and cast your vote on who have been the exceptional performers of the year.Voters are asked to nominate the company they feel would be the most deserving winner in each category. Early bird reward - Submit your nominations by Friday 9th September to be entered into Mortgage Strategys prize draw to win a magnum of champagne. If you think we've done a good job and helped you and your customers, we'd be really grateful if you would vote for AToM in the 'Best Specialist Distributor' category. Please click here to vote Nominations deadline: Extended to 5pm Friday 30th September |
| 28/09/11 - Hanley product changes |
Hanley have launched a 3.09% 2 year fixed to 80% LTV (purchase/remortgage)• £150 booking fee (non-refundable) • £850 arrangement fee (can be added to the loan up to max LTV) • Minimum loan £30,000, Maximum loan £750,000 • One free standard valuation for properties up to £250,000 • Free legals up to £250 (remo only) or £250 cashback on purchases • Available on properties in England and Wales • ERC - 2% until 30/11/2013 This has replaced the 3.24% 2 year fixed. To access, call the AToM sales team, or go direct to Hanely and choose AToM as your payment route. |
| 22/09/11 - Platform launch Semi exclusive through AToM |
AToM are delighted to remain as one of the specialist packagers/distributors for Platform. In addition, Platform have launched a packager Almost Prime exclusive: 2 year fixed until 31 October 2013 5.44% up to 60% LTV 5.74% up to 65% LTV - Arrangement fee: £1,450 - Reversionary rate: LIBOR* + 5.00% - ERC: 3% year 1, 2% year 2 (until 31 October 2013) - NOTE: Only available to ARs of PTFS and Sesame via AToM All other standard Almost Prime criteria and product features apply. To download the exclusive product spec, please Click here |
| 21/09/11 - GE Money will look at Debt Consolidation and Capital Raising |
Here’s a customer GE accepted recentlySole applicant – Remortgage Income £66,000 per year – on voters roll Property Valuation £215k, Loan required £161k, Capital Repayment over 8 years £5,000 Unsecured Loan and £8,000 Credit Cards to be consolidated Credit History - No adverse experienced within last 24 months and up-to-date payment history for last 12 months Customer benefit - Raised £30,000 capital, consolidated unsecured debt and reduced monthly payment from £2175pm to £2075pm Why GE over another lender? - Raising capital, debt consolidating and short term on mortgage For more information, please contact the AToM sales team or download the product guide by CLICKING HERE |
| 20/09/11 - AToM to distribute Platforms products |
AToM are delighted to remain as an approved Specialist Packager/Distributor for the lender Platform. More to follow.. |
| 20/09/11 - Platform withdrawals |
Platform will be withdrawing all core and exclusive products at 5pm Wednesday 21 September. New products will be available from Thursday 22 September.
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| 19/09/11 - GE offer a flexible affordability assessment. |
Here’s a customer we accepted recentlyApplicant(s) Sole applicant – Remortgage – Early 30’s Income - £21,000 per year Property Valuation - £200,000 Loan / Term Loan requested - £139,000 on Interest Only over 21 years Credit - £500 Credit Card to be consolidated Credit History - No adverse experienced within last 24 months and up-to-date payment history for last 12 months Customer benefit - Like for like remortgage with affordability assessment based on customer’s situation rather than fixed income multiples Why us over another lender? - Flexible affordability assessment. Up to 80% LTV (75% LTV Interest Only) For more information, please contact the AToM sales team or download the product guide by CLICKING HERE |
| 14/09/11 - AToM selected by WLB |
AToM is delighted to be appointed as a distributor for Whiteaway Laidlaw Bank (WLB). Offering Investment & Residential, Semi Commercial, Commercial and Owner Occupied finance, WLB have a substantial offering:Investment & Residential / Semi Commercial / Commercial - Up to 75% LTV - Between 3 and 30 years term - Interest only up to 65% LTV's - Rates from 3.7% above LIBOR Owner Occupied - up to 75% LTV - 3 and 5 year terms ( with modest ca p ital repaid) - 10-30 year options with full repayment or 70% repayment In all cases - Ability to add majority of lender arrangement fee to loan if required and can repay 10% pa without penalty. Min loan £50k, Max £750k. Please call our Commercial team on 01403 272625 for more information or click here to submit an enquiry. |
| 13/09/11 - Hanley withdraw 5 year fix & launch 2 year fixed |
Hanley EBS is withdrawing their 5 year fixed at 4.49% (80% LTV) with £495 fee, at close of business 14/9/11.A new product is also being launched - 2 year fixed at 3.24% for loans up to 80% LTV. £999 lender fee and £100 booking fee. Other features include no credit scoring, £750k max loan and only available through selected distributors. To download the product spec, please CLICK HERE |
| 13/09/11 - Precise launch new range |
New Near Prime Product range launched today!Precise's new Near Prime range is aimed at borrowers who may be finding it difficult to get a mortgage. Highlights from the new range include*; - 2 year Fixed and Tracker products - Fixed rates reduced to 5.24% - Up to 80% LTV - £250 Cash-back - Refund of/free Valuation and Assessment fee (max £355) - No ERCs For full details on the new products, please call the AToM sales team. |
| 12/09/11 - Prime Time for Near Prime - Mortgage Strategy |
AToM's Dale Jannels explores the Near Prime product confusion with others at a recent Mortgage Strategy round table event. To see the article in full Click Here |
| 12/09/11 - BM Launch new BTL products |
BM Solutions have today launched some new BTL products:> 3.49% BBR+2.99% for 2 Years - 60% LTV, 1.25% fee & £500 Cashback > 3.79% Fixed until 01/12/2013 - 60% LTV, 2% fee & £500 Cashback > 4.84% Fixed until 01/12/2013 - 75% LTV, 1.25% fee & £500 cash back. Must use BM Conveyancing. Speak to AToM for more information and please make sure you highlight AToM as your payment route if you go direct! |
| 09/09/11 - BM Withdrawals |
On Saturday 10 September, BM Solutions will be reducing rates on selected 2 year fixed rate products. In preparation for this change, the following products are being withdrawn. Please ensure any applications on these products are submitted in full before 8pm tonight (Friday 9 September). Buy to Let - 3.99% 2 Year Fixed, 2.0% Product Fee, 60% LTV, Loans up to 1M Code: LYX - 4.99% 2 Year Fixed, 1.5% Product Fee, 75% LTV, Loans up to 1M Code: LYY - 5.14% 2 Year Fixed, 1.5% Product Fee, 75% LTV Loans up to 1M Code: LYZ |
| 07/09/11 - Precise Product Withdrawals |
On Tuesday 13th September 2011 Precise will be replacing their complete Near Prime Home Owner range. In order to secure a product for submission, you must ensure you obtain a full decision KFI prior to close of business Monday 12th September 2011. The last application date for the current range is close of business Friday 7th October 2011. Look out for the new range and criteria details on Tuesday 13th September. |
| 02/09/11 - Platform Product Withdrawal |
Platform will be withdrawing the following Buy to Let products with effect from 5pm Friday 2 September.Buy to Let - 1 year tracker B117 4.19% 60% LTV (BBR + 3.69%), 4.59% 65% LTV (BBR + 4.09%), 4.79% 70% LTV (BBR + 4.29%), 4.89% 75% LTV (BBR + 4.39%) Buy to Let - 2 year tracker B121 4.29% 60% LTV (BBR + 3.79%), 4.69% 65% LTV (BBR + 4.19%), 4.89% 70% LTV (BBR + 4.39%), 4.99% 75% LTV (BBR + 4.49%) Clickdecision and kfis - These products will be withdrawn from all sourcing systems at 5pm Friday 2 September. Applications - All applications must be received and input by AToM to Platform by 5pm Tuesday 6 September. Applications must have a clickdecision. For more information, please contact AToM |
| 31/08/11 - Blemain Group make changes |
From 1st September - Blemain Group (inc Cheshire) have significantly enhanced the whole product range for Residential Loans, Bridging Finance and Buy to Let plans by:• Streamlining the criteria matrix, to simplify product selection • Reducing interest rates on our standard plans, to improve conversion • Increasing LTVs to place more cases • Demerits – number accepted on plans increased and rates reduced to improve conversion • Increasing maximum loan amounts on our standard plans and introducing a NEW Large Loan criteria, to allow more cases to fit plan • Revising the demerit criteria, to reduce Day 1 referrals and make it easier for you to underwrite a case • Self-employed proof of income expanded to allow more applications to be accepted • Income sources and non-conforming lender criteria restrictions removed making the placing of business easier • Lenders Acceptance Fee revised resulting in Solicitor's Costs and Title Insurance being removed • Expanding drive by valuation criteria considerably, to reduce processing costs and time • Launching a new specialised Auction Purchase bridging plan, to provide more choice and greater opportunities For more information, please contact AToM. |
| 30/08/11 - GE add new First Time Buyer product |
GE MONEY have introduced a new plan to cater for a wider range of credit profiles. This means that applicants who may previously have fallen outside of their criteria may now qualify. Plan details for the new FTB1 product are as follows:• Initial rates starting from 4.49% • 75% maximum LTV (dependent on score) • Completion fees £1,295 - £1,995 GE have also reviewed their affordability criteria to allow higher income earners to benefit from a bespoke Debt to Income Ratio (DTIR). • If the useable income is greater than or equal to £40,000 the maximum DTIR will be 40%. For income below £40,000 the maximum will be 35%. • However where an applicant is consolidating unsecured debt on plans GEM1, GEM2, GEM3 and FTB 1 they may restrict to 30% based on credit score FTB0 product - 80% LTV (75% Int only), rates from 4.19% For more information, please contact the AToM sales team or download the product guide by CLICKING HERE |
| 25/08/11 - Precise improve Self Employed |
Precise have improved their Self-employed criteria to make it easier for you to place your Near Prime residential cases. Self-employed customers who have been trading for two years, now only need to produce one year of accounts. Go direct and remember to highlight AToM as the introductory source/payment route. |
| 19/08/11 - Platform product withdrawal |
Platform will be withdrawing the Buy to Let 2 year tracker semi-exclusive product B129 with effect from 5pm Friday 19 August.Buy to Let - 2 year tracker B129 4.19% 60% LTV (BBR+3.69%) 4.59% 65% LTV (BBR+4.09%) 4.79% 70% LTV (BBR+4.29%) 4.89% 75% LTV (BBR+4.39%) Clickdecision and kfis - The product will be withdrawn from all sourcing systems at 5pm Friday 19 August. Applications - All applications must be recieved at Platform by 5pm Friday 26 August. Applications must have a clickdecision. |
| 19/08/11 - Precise Short Term Lending |
Short Term Lending or Bridging loans for properties with 100% retention - not only do Precise consider properties with 100% retention but also have the ability to lend above 100% of the purchase price (subject to additional security).If you have a case to discuss, please call AToM on 01403 272625 |
| 12/08/11 - New Hanley Semi - Exclusives |
AToM are delighted to launch Hanleys 2 new products!1) 5 year fixed at 4.49% / 80% LTV / £195 booking fee / £300 completion fee - Free legals and val on remortgages (£250 cash back on purchases) - £750k max loan / ERCS during period / No Credit Scoring 2) Term Discount - 2.99% currently (Representing a 2.20% discount off the Society’s Standard Variable Rate for term) - up to 70% LTV / NO ERCS / No Credit Scoring! - Free legals and val on remortgages (£250 cash back on purchases) To find out more, please go to the Hanley Website (click here) and register ensuring you select AToM (All Types of Mortgages Ltd) as your payment route. |
| 12/08/11 - TMW Changes to Let to Buy |
For Let to Buy applications, TMW will require the following from the applicant's solicitors: • Confirmation that the Let to Buy remortgage will be completing simultaneously with the purchase of a new main residence (which may be with another lender). • Confirmation that the applicant will vacate the security address upon completion. |
| 10/08/11 - Please vote for AToM |
Blemain Group have been committed to working with brokers, mortgage clubs, mortgage networks, packagers and trade media; while lending consistently for almost 40 years, so have a unique insight in to the specialist lending industry and are well placed to help recognise the industry's talent.Blemain Group would greatly appreciate a few moments of your time to vote for those who are deserving. This is your chance to cast your vote on the companies that provide a service to you and the industry. Voting closes 5pm 19th August 2011. We'd be grateful if you would vote for AToM in the various categories where we have been nominated. Thank you in advance! >> VOTE NOW! << |
| 04/08/11 - Have you tried GE Money via AToM? |
GE Money have a huge appetite to lend. Specialising in the light adverse / near prime market for the employed, few lenders have such a 'can do' attitude.- Great income multiples - First Time Buyers acceptable - up to 80% LTV - Will look at exceptions for AToM (with good reason to do case). - Soft footprint To review the current product guide, please CLICK HERE Or send us a DIP! |
| 02/08/11 - Precise make changes |
Exciting news for you and your Near Prime customers as Precise Mortgages has launched new and improved Near Prime Home Owner criteria, to help those borrowers who may be finding it difficult to get a mortgage.Criteria changes include: - Interest only (New) - New Self-employed criteria - Lending in Scotland coming soon - Defaults up to £5,000 - CCJs up to £2,500 - 1 Month's mortgage arrears in the last 12 months with up to 3 instances in the last 36 months accepted - Defaults and CCJs older than 24 months are not counted - Unsecured arrears not counted In addition to these criteria changes they have also refreshed all fixed rate products within the range, LTVs are up to 80% and some products have cashback, refund of Standard Valuation and Assessment fee. The new large loan range includes tracker and fixed rate products for loan sizes £300,001 to £1,000,000. For full details on criteria changes and new products, please contact the AToM sales team on 01403 272625 |
| 02/08/11 - BM withdrawals tonight |
BM Solutions is withdrawing the following products at 8pm Tuesday 2 August. There are no other changes being made to the range at this time.Buy to Let - 4.80% 2 Year Tracker, 2,249 Product Fee, Loans up to 750,000 Code: EGB - 4.95% 2 Year Tracker, 2,249 Product Fee, Loans up to 750,000 Code: EGC Please ensure any applications on these two products are submitted in full before 8pm tonight (Tuesday 2 August). |
| 28/07/11 - Precise Mortgages make changes |
On Tuesday 2nd August 2011 Precise will be replacing all fixed rate products from their current Near Prime Home Owner range. The new refreshed Home Owner range will introduce new exciting criteria changes which include:Interest only across the entire range Improvements to Self-employed policy Plus, a large loans fixed and tracker range for loan sizes from £300,001 - £1,000,000. In order to secure a product for submission, you must ensure you obtain a full decision KFI prior to close of business Monday 1st August 2011. |
| 25/07/11 - Platform offer Let 2 Buy |
Platform now allow Let 2 Buys!Platform have also launched a new 'Options' range of BTL products. These products are designed for borrowers who: • want to remortgage to a fixed rate without paying an ERC when interest rates increase • want to change products when their lifestyle changes • want to overpay without limitations or penalties • want to use excess rental income to overpay with no limitations Finally, all brokers can access Platform Buy to Lets via AToM. Please call us for more information. |
| 21/07/11 - Go Direct and click AToM! |
Go direct to the lender and click AToM as the payment route and we will send you a proc fee of - BM Solutions = 0.46% TMW = 0.45% for Buy to Let completions (limited period). |
| 12/07/11 - TMW Changes including Ltd Co BTL Withdrawal |
From 13 July 2011 TMW Buy to Let product range will be enhanced with the launch of new 2 year tracker rates starting from 2.99% and reductions of up to 0.40% across the existing range of 2 year fixed and tracker products. Key Changes • Selected rate reductions of up to 0.40% across 2 Year products • Switch to Fix facility now available on all trackers across all BTL categories • New build flats now accepted up to 65% LTV (based on second hand value) • Improved Lifetime Variable products, with arrangement fees starting from £999 Withdrawals • All Limited Company products will be withdrawn with effect from 31 July 2011 • All Further Advance products for existing Multi Property Portfolios (where rental income and LTV is averaged across the portfolio) will be withdrawn with effect from 31 July 2011 REMEMBER - Click AToM as the payment route for a 0.45% Proc Fee! |
| 12/07/11 - AToM's Top Lenders for June |
June was a great month for AToM and we appreciate your support. We also appreciate the support of our great lenders. Our top 5 in June were:- GE Money - TMW - AToM Complex Prime Lender - BM Solutions - AToM Complex Prime Lender Why not give us a call and see how our lenders can help you and your customers? |
| 30/06/11 - 3.99% 2 yr fixed Buy to Let Exclusive launched! |
AToM are delighted to launch a Buy to Let exclusive with Hinckley & Rugby.- Product terms include a 3.99% fixed rate for two years (30/9/13) - up to 65% LTV. - A completion fee of £1295 is added to the loan within LTV. - A funds booking fee of £399 is required upfront (non refundable). - ERC’s are 3% year one and 2% year two. - No CREDIT SCORING. - Rental calculated at 135% of pay rate. - No min income requirement, although must have income. - Must be a home owner in England/Wales. - Let to Buy acceptable - up to 4 properties with H&R and 10 with other lenders. - Max loan £300k - Proc fee paid 0.25% Dale Jannels, Managing Director at AToM said, "The Hinckley & Rugby Building Society have delivered a truly competitive Buy to Let product for AToM to exclusively distribute. There are plenty of Buy to Let offerings in the current market, but this one has a reasonable arrangement fee compared to many others and it is not subject to credit scoring. With a two year fixed rate of just 3.99% and a manual underwriting review, we have no doubt consumers will like this offering. Hinckley & Rugby have demonstrated a really positive outlook and we are excited to be working with them.” Carolyn Thornley-Yates, Assistant Manager - Branches & Development at Hinckley & Rugby added “We are very pleased to have established this new relationship with AToM and to have tailored an exclusive product that will hopefully prove popular in the Buy to Let market. We chose AToM as the distributor of this product as we have a shared ethos of treating customers as individuals, and we are confident that we will work well together to provide an efficient and personal service.” To apply, please complete our online DIP form. |
| 27/06/11 - Mortgage Solutions interview |
AToM's Dale Jannels talks to Mortgage Solutions features editor Kay McLellan about whether sub-prime is set to return, lenders' appetite for specialist funding and what brokers need to do to successfully place tricky deals. To see the full interview, click here |
| 23/06/11 - GE Money make reductions |
With effect from Monday 27th June, GE Money will reduce rates on the following products - - GEM 1 - rates reduced by up to 0.90% rates now from 4.39% - GEM 2 - rates reduced by up to 0.60% rates now from 4.89% - GEM 3 - rates reduced by up to 0.90% rates now from 4.99% - LTM 2 - rates reduced by up to 0.30% rates now from 4.79% - LVM0 & LTM1 - rates reduced by 0.20% rates now from 3.99% - FTB0 rates reduced by 0.10% rates now from 4.19% Various financial issues accepted. Please call for further details or to discuss an enquiry. To see the NEW product guide CLICK HERE. |
| 17/06/11 - BM Solutions withdraw rates |
With effect from 8pm tonight, Friday 17 June 2011, BM Solutions will withdraw the following product:• 2.75% 1 Year Tracker • 60% LTV • 2.5% Arrangement Fee • £275 Mortgage Account Fee • £500 Cashback • Product Code: LXJ Selected core 1 & 2 year trackers and 2 year fixeds are also being withdrawn. Please ensure that all applications are keyed in before the above deadline. |
| 10/06/11 - GE Money want to Lend! |
GE Money have a huge appetite to lend. Specialising in the light adverse / near prime market for the employed, few lenders have such a 'can do' attitude.- Great income multiples - First Time Buyers acceptable - up to 80% LTV - Will look at exceptions for AToM (with good reason to do case). - Soft footprint To review the current product guide, please CLICK HERE Send us a DIP! |
| 09/06/11 - Bank Of China |
A quick reminder that Bank of China offer some superb products on residential and buy to lets.Highlights include a FTB Buy to Let. For details of the current products - PLEASE CLICK HERE For a dip form - PLEASE CLICK HERE |
| 07/06/11 - Platform launch new rates - BTL from 2.99% |
Platform have made changes to their Buy to Let product range:- Buy to Let rates reduced by up to 0.20% - Administration fee reduced from £140 to £89 (not applicable when applying via AToM) - Arrangement fees reduced - New 75% LTV rates launched on Buy to Let - rates now from 2.99% To review the Buy to Let range - CLICK HERE - no access restrictions via AToM To review the Almost Prime range - CLICK HERE page 3! |
| 06/06/11 - Hanley launch no ERC product via AToM |
AToM are delighted to launch Hanleys 3.09% variable NO ERC product!Highlights include - • 3.09% Pay Rate - Representing a 2.10% discount off The Society’s Standard Variable Rate for Term • up to 80% LTV • Free Re-Mortgage Legals or £250 House Purchase Cashback* and a Standard Valuation • Maximum Loan £500,000 • If this mortgage is for House Purchase, the property price must be at least £70,000 • £200 Arrangement Fee (which may be added to the loan as long as the LTV including the fee does not exceed the maximum for the product) • £195 Booking Fee (Non-Refundable) • Mortgage must complete by 31st August 2011 To find out more, please go to the Hanley Website (click here) and register ensuring you select AToM (All Types of Mortgages Ltd) as your payment route. |
| 06/06/11 - Precise Launch new products |
Precise have improved their criteria to help you place cases for your customers more easily. To complement the new criteria changes they have also launched a new range of attractive Home Owner products.Criteria highlights include: • Maximum defaults £5,000 • Maximum CCJs (both satisfied and unsatisfied) up to £2,500 • 1 Month's arrears in the last 12 months with up to 3 instances in the last 36 months • Only defaults and CCJs recorded in the last 24 months used when assessing a case Product highlights include: • 2 Year Fixed and Tracker products • Rates from 4.85%* • Up to 80% LTV • Some products with £250 cashback, refund of standard valuation and assessment fee and no ERCs See latest product guide - Download here Apply directly to the lender and choose AToM as the payment/introductory route, or contact AToM for more assistance |
| 03/06/11 - Platform withdrawals on Monday |
Platform will be withdrawing all Mainstream and Buy to Let products at 5pm on Monday 6 June. This includes both current core and exclusive range of products. New products will be available from Tuesday 7 June. Pipeline deadlines - All products will be withdrawn from their website and all sourcing systems at 5pm Monday 6 June. All applications must be received at Platform by 5pm Monday 13 June. Applications must have a clickdecision. All packaged applications must be fully packaged and accompanied by all items on our shopping list. |
| 02/06/11 - Precise make changes |
On Friday 3rd June 2011 Precise will be replacing their complete Home Owner range. The new refreshed Home Owner range introduces new exciting criteria changes.The last application date for the current range is close of business Friday 17th June 2011. In order to secure a product for submission, you must ensure you obtain a full decision KFI prior to close of business Thursday 2nd June 2011. |
| 27/05/11 - BM give AToM Buy to Let Semi-Exclusives |
AToM are delighted to now have access to two semi exclusive Buy to Let products as below.LXJ - 2.75% 1 year tracker at 60% LTV with £500 cashback and 2.5% fee. LXK - 4.05% 2 year tracker at 75% LTV with £500 cashback and 2% fee. Either deal direct with the lender and select AToM as the payment route, or send us a DIP! Products will be on Trigold and MBL shortly. |
| 26/05/11 - BM Solutions launch Buy to Lets for 9 days only!! |
BM Solutions have launched 2 Buy to Let remortgage products (for a limited period of just 9 days) -- 3.79% 2 year tracker (BBR + 3.29%). - 4.29% 2 year fixed (to 1/9/2013). Both have a 0.5% arrangement fee (can be added), up to 75% LTV (£1m max), £500 cashback and ERCs during the product period. AToM will pay 0.46% as a proc fee on these buy to let remortgage products. PLUS 0.03% bonus if cases complete by 30/06/11. To acquire these products, either send AToM a DIP or apply direct and choose AToM as the payment route. These products will be withdrawn at 8pm on Friday 3rd June. All DIPS must have converted to full applications by this deadline. Cases must complete by the end of June to keep the rate. |
| 23/05/11 - Precise launch Short Term Finance |
AToM are delighted to offer the new short term lending products from Precise Mortgages.Highlights include - RESIDENTIAL - 75% LTV of OMV - Loans over £1m available (60% LTV) - Rates from 0.75% pm REFURBISHMENT - Light and Heavy considered - 70% LTV Light - 60% LTV Heavy - Rates from 0.90% pm No exit fee or early repayment charges available in England & Wales Max term 18 months CALL AToM FOR MORE INFORMATION OR CLICK HERE TO FORWARD AN ENQUIRY FORM |
| 20/05/11 - Chorley withdraw Buy to Let product |
The Chorley BS intermediary Buy to Let product has been withdrawn today. We await news of it's replacement. All DIP'd applications must be received at Chorley BS by Friday 3rd June. |
| 17/05/11 - Hanley discount product 2.85% |
Variable Discount for 3 Years - 2.85%Representing a 2.34% discount off the Society’s Standard Variable Rate for 3 Years • A valuation fee will be charged. On completion HEBS will refund up to £250 towards the cost (purchases receive £250 cashback) • Minimum Age 18 years / Maximum Age 70 years on redemption • Minimum Loan £30,000 / Max £500,000 • Min Val £70,000 • £799 Arrangement Fee - £100 Booking Fee - 2% ERCs in first 3 years • up to 80% LTV NO CREDIT SCORING To obtain a DIP/KFI, or review criteria, please log on to the HANLEY WEBSITE and use: LOG IN - atom Password - granville600 |
| 16/05/11 - BM Change rates |
BM Solutions have reduced their Buy to Let fixed rates by 0.20%: Buy to Let with BM Conveyancing =============================== 4.29% 2 Year Fixed - Product Fee £995 Max Loan £150,000 - 2 Year ERCs 0-60% LTV - £500 Cashback 4.45% 2 Year Fixed - Product Fee 2.5% Max Loan £1,000,000 - 2 Year ERCs 0-75% LTV Buy to Let ========== 4.44% - 2 Year Fixed - Product Fee £995 Max Loan £150,000 - 2 Year ERCs 0-60% LTV £500 Cashback 4.60% - 2 Year Fixed - Product Fee 2.5% Max Loan £1,000,000 - 2 Year ERCs 0-75% LTV |
| 11/05/11 - AToM in this month's Mortgage Introducer |
AToM are the cover story of this months Mortgage Introducer magazine.To read the full article, please CLICK HERE |
| 05/05/11 - Precise Mortgages choose AToM |
AToM are delighted to be added to the Precise Mortgages distribution panel.Dale Jannels, sales and marketing director at AToM said: "Precise Mortgages has some superb products and will help fill a gap in the current AToM offerings, particularly in regards to the near prime self employed. The supply of genuine value offerings in this vital market sector is limited and we look forward to promoting Precise Mortgages to our intermediary and network partners. Having worked with Roger, Alan and some of the team before, we have a good idea of the quality and high standards they require. They also have a great vision for the future and an appetite to attract good quality business. They are exactly the type of partner AToM is looking to build a long term relationship with and we are excited at the prospect of working with them." To find out criteria and products available, please contact the AToM sales team. |
| 28/04/11 - AToM Opening Hours |
Over the Royal Wedding weekend, AToM will be:- Closed Friday 29/04/11 - Open Saturday 30/04/11 -> 10am - 4pm - Closed Sunday 01/05/11 - Closed Monday 02/05/11 Normal working hours will resume from Tuesday 03/05/11. |
| 18/04/11 - Hanley withdrawal - 5pm TONIGHT |
Hanley will be withdrawing their 2.99% Variable (2.20% discount off HEBS SVR for Term)Including Free Re-Mortgage Legals or £250 House Purchase Cashback at 5pm TONIGHT.DIPS to be completed by 5pm. Product details: • A valuation fee will be charged. On completion HEBS will refund up to £250 towards the cost • Minimum Age 18 years / Maximum Age 70 years on redemption • Minimum Loan £30,000 / Max £500,000 • Min Val £70,000 • No Arrangement Fee - No Booking Fee - No ERCs • LTVs - House Purchase 75% / Re-Mortgage 75% (including Capital Raising or Home Improvements) To obtain a DIP/KFI, or review criteria, please log on to the HANLEY WEBSITE and use: LOG IN - atom Password - granville600 |
| 13/04/11 - Chorley select AToM |
AToM is delighted to be chosen by Chorley Building Society to distribute their intermediary products. Products include - 85% LTV Resi to £1m - 4.49% 75% LTV Resi to £500k - 3.99% 75% LTV BTL to £500k - 5.19% 80% LTV Equity Share - 4.74% No credit scoring - manual underwriting. PLUS, you deal with the lender directly! To obtain a KFI, review criteria, apply, please click here to download log in details. Proc fee 0.30% (max £2,000) on all Residentials and 0.40% (max £2,000) on Buy to Lets |
| 12/04/11 - TMW Withdraw some products and launch others |
TMW Product WithdrawalsCode Interest rate Max LTV Product fee B01193 1 Year Fixed 2.99% 65% 3.50% B01194 1 Year Fixed 3.99% 65% 2.50% B07615 1 Year Tracker 3.69% (BBR+3.19%) 70% 3.50% B01584 1 Year Fixed 3.69% 70% 3.50% B02975 2 Year Fixed 4.59% 70% 3.50% B07616 1 Year Tracker 3.79% (BBR+3.29%) 75% 3.50% B01585 1 Year Fixed 3.79% 75% 3.50% B02976 2 Year Fixed 4.69% 75% 3.50% B03659 3 Year Fixed 5.19% 75% 3.50% B02977 2 Year Fixed 5.19% 80% 3.50% B02979 2 Year Fixed 4.99% 75% 3.50% B02980 2 Year Fixed 6.49% 70% £399 B02973 2 Year Fixed 4.99% 80% 3.50% B03432 3 Year Fixed 5.49% 80% 3.00% B19271 5 Year Fixed 6.29% 80% 3.50% B03434 3 Year Fixed 5.89% 80% £2,699 To secure the current range, DIP to be done by 1pm today and Full online submission by 8pm tonight. New products to be launched tomorrow (13/4/11). |
| 06/04/11 - Hanley BS Residential with NO ERC |
AToM are delighted to offer access to a Residential NO ERC product.2.99% Variable (2.20% discount off HEBS SVR for Term) Including Free Re-Mortgage Legals or £250 House Purchase Cashback • A valuation fee will be charged. On completion HEBS will refund up to £250 towards the cost • Minimum Age 18 years / Maximum Age 70 years on redemption • Minimum Loan £30,000 / Max £500,000 • Min Val £70,000 • No Arrangement Fee - No Booking Fee - No ERCs • LTVs - House Purchase 75% / Re-Mortgage 75% (including Capital Raising or Home Improvements) To obtain a DIP/KFI, or review criteria, please log on to the HANLEY WEBSITE and use: LOG IN - atom Password - granville600 |
| 06/04/11 - BM Solutions launch new BTLs |
BM Solutions are launching some new rates todayBuy to Let with BM Conveyancing 2 Year Fixed 4.65% - Code: LVX Product Fee 2.5% of Loan, 2 Year ERCs, 0-75% LTV 2 Year Fixed - 4.50% Code: LVV Product Fee 1.25% of Loan, 2 Year ERCs, 0-60% LTV & £790 Cashback Buy to Let Normal 2 Year Fixed 5.57% - Code: LVY Product Fee 0.95% of Loan, 2 Year ERCs, 0-75% LTV 2 Year Fixed 4.65% - Code: LVW Product Fee 1.25% of Loan, 2 Year ERCs, 0-60% LTV & £300 Cashback 5 Year Fixed 5.59% - Code: LVZ Product Fee 3.0% of Loan, 5 Year ERCs, 0-75% LTV You can use the lender directly (click AToM as the payment route) or through AToM by sending a DIP via our website. Proc fees are 0.43% direct and 0.46% through AToM |
| 31/03/11 - GE Money reduce rates! |
GE Money are reducing some rates with effect from tomorrow (1/4/11):- Reduction to the GE Mortgage Base Rate - Revising Tracker Rates - Introducing a simplified Mortgage Application Form To review the new product guide, please CLICK HERE Download new application form Click here |
| 31/03/11 - Platform change rates |
Platform will be withdrawing all Buy to Let products with effect from 5pm Friday 1st April: - 2 year fixed B42 and B43 products withdrawn - 2 year tracker B54 and B55 products withdrawn - Full term tracker B57 product withdrawn Securing the current products - All applications must be received at Platform by 5pm Friday 8 April. Applications must have a clickdecision (withdrawn 5pm 1/4/11). From Monday 4th April - New 1, 2 and 4 year fixed products launched - New 1, 2 and full term tracker products launched - Fixed end dates extended to July See new product guide CLICK HERE REMEMBER - For Direct applications, you must be a member of the restricted list of approved parties. VIA AToM, ANY broker may access the products. Note free val not applicable, but more importantly, no £140 Platform admin fee payable! Call AToM now! |
| 28/03/11 - AToM voted Best Mortgage Packager 2011 |
AToM is delighted to have been voted Best Mortgage Packager 2011 in the myintroducer.com awards, for the second year running.This is the second year myintroducer.com have run the industry awards program, covering a wide range of markets across the finance industry, allowing professionals freedom to put forward whichever company or individual they see as a candidate for an award. The awards campaign received over 3,000 votes. The Directors and Staff at AToM would like to thank all those who voted for us, it really is appreciated. |
| 24/03/2011 - Complex Prime is rapidly on the increase |
Complex Prime can be used for many scenarios. No two cases are the same! A large percentage of applications are declined by lenders using their 'black box' decisioning systems. They are often first class applications which fail simply because of lenders credit scoring criteria which often seem stupifyingly senseless, turning away customers who are undoubtedly credit worthy. AToM can help. We have access to many lenders who do not credit score and who have an appetite to lend. Must be CLEAN credit and prove affordability. To find out more on AToM Complex Prime, please click here. |
| 23/03/2011 - Bank of China Residential Lifetime Tracker |
Bank of China have a great RESIDENTIAL mortgage 2.30% + BBR (2.80%) Lifetime tracker.- Repayment Only - Overpayments accepted - £1,295 arrangement fee to £500k loan - 80% LTV up to £150k valuation - 75% LTV up to £500k valuation - 70% LTV up to £2m valuation For a dip form - PLEASE CLICK HERE For details of the current products - PLEASE CLICK HERE |
| 18/03/11 - AToM's gone red...! |
For each DIP received today for a lender on the AToM panel, we’ll donate £2For each full Mortgage App (with val/admin fee) received, we’ll donate £25! Help us raise lot’s of money for Comic Relief! |
| 16/03/11 - myintroducer.com awards 2011 |
LAST CHANCE - Voting ends 18/3/11 The MyIntroducer.com Industry Awards - the definitive industry award program for UK finance professionals and businesses where your vote decides the winners. The award winners will be announced on 31st March 2011 and will be based solely on the organisations who receive the most nominations. No panel or judging system - the industry's votes decide the winners. We would be very grateful if you would vote for AToM in the 'Best Mortgage Packager' category. Thank you. To submit your votes: 
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| 11/03/11 - Paragon withdraw limited product range |
Please note that the following products will be withdrawn with immediate effect from 5.00 p.m , 11th March 2011Paragon for private investors (Limited edition). 2 yr fixed rate at 4.25% to 31/05/2013, maximum 65% ltv 2 yr fixed rate at 4.89% to 31/05/2013, maximum 70% ltv 2 yr fixed rate at 5.19% to 31/05/2013, maximum 75% ltv 2 yr tracker at libor plus 2.5%, initial rate 3.30% , maximum 65% ltv 2 yr tracker at libor plus 3.19% initial rate 3.99%, maximum 70% ltv 2 yr tracker at libor plus 3.8% initial rate 4.6% , maximum 75%ltv 3 yr tracker at libor plus 2.8% initial rate 3.6%, maximum 60% ltv Please note that Paragon's products for professional landlords are unaffected by this announcement. We will notify you of replacement products in due course. |
| 10/03/11 - Paragon remove arrangement fee cap |
Please note that the Paragon product fee cap of £2,000 for the Limited Edition products, will be removed from 10 March 2011.Applications already submitted for these products, but where the valuation fee is not paid by close of business 10 March 2011, will no longer benefit from the cap. |
| 04/03/11 - Platform withdraw Buy to Let products |
Platform will be withdrawing products from their Buy to Let range with effect from Monday 7 March.Buy to Let - All 1 year fixed (B37,B38,B39,B40) products to be withdrawn - All 4 year fixed (B46,B47,B48) products to be withdrawn - All 1 year tracker (B49,B50,B51,B52) products to be withdrawn - Selected 2 year fixed (B41,B44) products to be withdrawn - 2 year tracker (B53) product to be withdrawn - 2 year tracker packaged semi-exclusive (B56) to be withdrawn Clickdecisions and KFI's - All products will be withdrawn from their website and all sourcing systems at 5pm Monday 7 March. All applications must be received at Platform by 5pm Friday 11 March. Applications must have a clickdecision. Send AToM a DIP asap for the packager semi-exclusives. |
| 01/03/2011 - Hanley withdraw 2.50% tracker at 5pm today |
The Hanley Economic Building Society are withdrawing their 2% + BBR tracker rate at 5pm tonight.Dips must be submitted by 5pm TONIGHT and applications received by 11/3/2011. To obtain a DIP or KFI, please log on to HANLEY WEBSITE and use: LOG IN - atom Password - granville600 |
| 01/03/2011 - February was a great month! |
February was a great month for AToM. Our best month for new business received, since June 2009! A sincere thank you from the Directors and staff at AToM, we are very grateful for your business. We don’t want to be the biggest, but we strive to be the best in the service and products we offer to you and your clients. Let’s hope March is another fantastic month for all. Once again, thank you! |
| 24/02/11 - Platform revise packager products |
Platform have revised the packager exclusive products:Details - 4.09% to 60% LTV (BBR + 3.59%) 4.49% to 65% LTV (BBR + 3.99%) 4.59% to 70% LTV (BBR + 4.09%) Free legals on standard remortgages. Purchase or remortgage available ERC 2% year 1, 1% in year 2 Arrangement fee £995 NO £140 admin fee via AToM Proc Fee 0.45% via AToM For more details, please click here. |
| 21/02/11 - Platform Rates Increase |
Platform will be making the following changes to their core and exclusive Buy to Let products with effect from Wednesday 23 February. New products will be available from Thursday 24 February.Summary of changes: Buy to Let: - All fixed and tracker rates to be increased - 2 year tracker B56 semi-exclusive rates to be increased Deadlines: All products will be withdrawn from our website and all sourcing systems at 5pm Wednesday 23 February Applications: All applications must be received at Platform by 5pm Wednesday 2 March. Applications must have a clickdecision. All packaged applications must be fully packaged and accompanied by all items on our shopping list. |
| 14/02/11 - Bank of China rate changes |
Bank of China's great RESIDENTIAL mortgage 1.80% + BBR (2.30%) Lifetime tracker will be withdrawn at close of business this Friday (18/2/11). The new rate will be 2.30% + BBR (2.80%). Please send AToM a DIP before 4pm Friday 18/2/2011 to secure the current product. For a dip form - PLEASE CLICK HERE All full applications must be received at AToM by close of business on Tuesday 22nd February. For details of the current products - PLEASE CLICK HERE |
| 09/02/2011 - AToM's Complex Prime |
Following the great article in Mortgage Solutions on Complex Prime (CLICK HERE TO READ), we thought we would remind you of the AToM Complex Prime offerings and case studies.Complex Prime can be used for many scenarios. No two cases are the same! A large percentage of applications are declined by lenders using their 'black box' decisioning systems. They are often first class applications which fail simply because of lenders credit scoring criteria which often seem stupifyingly senseless, turning away customers who are undoubtedly credit worthy. AToM can help. We have access to many lenders who do not credit score and who have an appetite to lend. Must be CLEAN credit and prove affordability. To find out more on AToM Complex Prime, please click here. |
| 04/02/11 - GE MONEY Home Lending |
The igroup brand has now been phased out and has been replaced by the rather larger, and more familiar, GE Money brand.In addition, GE Money have changed some of the product offerings: • First Time Buyers now available to 80% (75% Int Only) • Decreased some rates on the LTM2 and GEM1 to GEM3 products e.g. 2 & 3 year fixed at 80% LTV reduced by 0.18% • Tracker rates start from 4.29% • 2 year fixed rates start from 4.59% • Small Loan Loading has been removed As AToM's top lender of 2010, we have a good relationship with the underwriters directly and a good understanding of how to present cases to meet requirements. In some circumstances, we can also achieve exceptions. To send us an enquiry, please click the DIP button. To download the new product guide, please CLICK HERE |
| 04/02/11 - TMW withdraw products |
• LR0249 4.99% 2 Year Fixed, up to 60% LTV, 3.50% fee• LR0250 5.49% 2 Year Fixed, up to 60% LTV, 2.50% fee • LR0304 5.49% 3 Year Fixed, up to 60% LTV, 3.50% fee • B07600 2 Year Stepped Tracker 2.99% (BBR+2.49%) until 30/04/2012 then 4.24% (BBR+3.74%) until 30/04/2013, up to 65% LTV, 3.50% fee • B07601 2 Year Stepped Tracker 3.39% (BBR+2.89%) until 30/04/2012 then 4.49%(BBR+3.99%) until 30/04/2013, up to 70% LTV, 3.50% fee • B01189 4.99% 1 Year Fixed, up to 80% LTV, 3.00% fee • B01190 5.99% 1 Year Fixed, up to 80% LTV, 2.00% fee • B02934 5.19% 18 Month Fixed, up to 80% LTV, 2.50% fee If you would like to secure any of the current products, please ensure that any DIPs are completed via TMW Online by 1pm 4 February 2011. Any DIPs must be progressed to full mortgage application by 8pm 4 February 2011. Please note that faxed DIPs will not be accepted. |
| 03/02/11 - AToM appointed to package bridging loans |
We're delighted to announce that AToM are one of a limited few appointed to package Bridging Loans for Tiuta.This is includes the limited offer for Bridging Finance at 0.89% per month for properties within the M25. - Max Loan £1m - Property within M25 - Up to 70% LTV (£650k) - Min Val £250k - No adverse - Resi / BTL / 1st charge only Please speak to the bridging team for more information on 01403 27 26 25 |
| 02/02/11 - Paragon launch new rates - LIMITED FUNDS |
Paragon have launched an exciting new range of leading fixed and tracker rate products aimed at smaller scale landlords looking to expand their portfolios.Rates start at 3.3% for a 2 year tracker and 4.25% for a 2 year fixed rate. The interest coverage ratio is calculated at 125% at 5% and applications will be subject to fast track credit score based underwriting. There is a limited tranche of funds for these products which we are expecting to be very popular with introducers looking to place less complex buy-to-let cases. As a result applications must be received by 31 March 2011 and complete by 31 May 2011. Details of the full product range may be found by clicking the link below: Paragon Products |
| 01/02/11 - Secured Loan - 7.9% Variable |
AToM Secured are pleased to offer a very competitive 7.9% variable on secured loans.- Loans from £20k - £100k - Max LTV 65% - Min Val £100k - No adverse - Min income £30k (£35k Joint) Please call the secured team on 01273 424210 or apply online at AToM Secured |
| 27/01/11 - Platform Launch Packager Buy to Let Exclusive |
Platform launch a packager exclusive product on Monday 31/1/11.Details - 3.89% to 60% LTV (BBR + 3.39%) 4.29% to 65% LTV (BBR + 3.79%) 4.39% to 70% LTV (BBR + 3.89%) Free legals on standard remortgages. Purchase or remortgage available ERC 2% year 1, 1% in year 2 Arrangement fee £995 Proc Fee 0.45% via AToM For more details, please contact the AToM sales team. |
| 26/01/11 - Platform make product & distribution changes |
Platform will be withdrawing all core and exclusive products with effect from Friday 28 January. New products will be available from Monday 31 January. This launch will also see Platform make changes to our Buy to Let distribution. From Monday all Buy to Let products will only be available through selected appointed representatives, directly authorised, mortgage club members and packagers. AToM is one of the approved channels. Product Changes include: Buy to Let - All fixed and selected tracker rates reduced - New £0 and £995 arrangement fee options - 3 year tracker rates withdrawn - Minimum property value increased to £75,000 - Maximum loan size reduced to £350,000 - Maximum total properties owned with all lenders increased from 5 to 10 - Rental calculation changed to 125% of pay rate or reversionary rate, whichever is higher Almost Prime - New 1 year fixed and tracker products Clickdecisions and kfis - All products will be withdrawn from the website and all sourcing systems at 5pm Friday 28 January. Applications - All applications must be received at Platform by 5pm Friday 4 February. Applications must have a clickdecision. |
| 25/01/11 - BM Solutions Changes |
On Wednesday 26 January BM Solutions will be introducing new products with added incentives to its Buy to Let new business product range. To prepare for these changes the following products will be removed. Please ensure any applications on these products are submitted in full before 8pm tonight (Tuesday 25 January). Buy to Let 4.20% 1 Year Tracker Code: EFG 4.95% 2 Year Tracker Code: EEN 4.80% 2 Year Tracker Code: BDM 5.50% 3 Year Fixed Code: EFW 5.65% 3 Year Fixed Code: EFX House 2 House 4.60% 3 Year Tracker Code: GBO |
| 25/01/11 - igroup make changes |
igroup will be making changes w/e/f 4th Feb 2011.Key points: First Time Buyers • Maximum loan to value increased to 80% (75% for I/Only) • Maximum loan decreased from £500,000 to £300,000 Debt Utilisation Criteria • Current rules removed (no limit on number of cards/loans) Capital Raising Limit • Increase maximum limit from £25,000 to £50,000(Remo) Unencumbered Properties Acceptable • Maximum LTV 50% - Minimum Valuation £150,000 Pricing changes • Increased rates across the FTB0, LVM0 and LTM1 products by between 0.04% and 0.49% • Decreased some rates on the LTM2 and GEM1 to GEM3 products e.g. 2 & 3 year fixed at 80% LTV reduced by 0.18% • Tracker rates start from 4.29% • 2 year fixed rates start from 4.59% • Interest Only loading 0.40% across the range • FTB completion fee up to 80% LTV £1,995 • Small Loan Loading has been removed Terms & Conditions apply to some criteria. Please speak to AToM for further details. CURRENT PIPELINE To obtain the current rate and range of products: - All IDOL DIPs must be completed by AToM by 5.30pm on Thursday 3/2/2011 - AToM must receive full applications by close of business on Friday 11/2/2011 - Cases must be offered by close of business on Friday 11/3/11 There will be no exception to these rules To request a DIP - CLICK HERE To see the current products - CLICK HERE |
| 14/01/11 - Paragon withdraw 2 yr fixed rates |
Please be advised that Paragon are withdrawing their 2 year fixed rate products. Any applications for these specific products must be with AToM by MIDDAY Tuesday 18th for us to submit to Paragon by close of business on Wednesday 19th Jan.All other Paragon buy-to-let products will remain unchanged and a revised product information sheet will be available from 19 January. |
| 14/01/11 - AToM's New Year Newsletter |
The Directors have had their say! - Happy Birthday AToM! - RDR and MMR... - 2011 wishes Read their views and thoughts - CLICK HERE Please be patient as this will open in a pdf format. |
| 12/01/11 - TMW make changes |
TMW product changes:- New 2 and 3 year fixed rates with £799 fees, up to 75% LTV - Additional rate improvements of up to 0.55% across our range - Rates on remortgage products with Free Valuations and Free Legals improved by up to 0.45% - 2 year fixed rates with £995 fees introduced for Let to Buy and First Time Landlords, up to 75% LTV For more information, please speak to AToM |
| 12/01/11 - Platform launch new buy to lets |
Platform have launched a new range of Buy to Lets with rates available from 3.19%.For more information, please speak to AToM |
| 07/01/11 - BM Solutions withdrawals |
BM Solutions is making changes to its Buy to Let New Business product ranges. To prepare for these changes, the following products will be removed at 8pm tonight (Friday 7 January). Please ensure any applications on these products are submitted in full before this deadline. 4.35% 2 Year Fixed Code: EF0 5.50% 3 Year Fixed Code: EFC 4.80% 2 Year Fixed Code: EFP 5.99% 5 Year Fixed Code: EEZ 4.50% 2 Year Tracker Code: EFH 5.09% 2 Year Fixed Code: GBN |
| 07/01/11 - Platform product changes |
Platform will be withdrawing all products at 5pm Tuesday 11 January. New products will be available from Wednesday 12 January. Changes will include: Buy to Let New range of fixed and tracker products available up to 70% LTV - More choice for your customers with arrangement fee options of £2,495 or 2.50% Free valuation and Standard Legals available for remortgages Almost Prime New 2 year tracker product available up to 65% LTV Arrangement fee on all products increased to £1,495 |
| 07/01/11 - AToM has £10m to lend! The Sale starts today! |
A lender on the AToM Complex Prime panel wants to lend £10m asap!They will consider many different Complex Prime scenarios for customers with a clean credit history: - Residential 70% LTV - Buy to Let 60% LTV - Must be able to prove affordability - Min loan £100k - Refund of valuations up to £350 - Most ages considered (above 18!) - Earn a further proc fee by using a conveyancer on the AToM panel - However Complex, lender will consider any reasonable proposition We need to utilise these funds, so please do call asap with your enquiries and mention Complex Prime! For Complex Prime examples - CLICK HERE |
| 04/01/2011 - Bank of China reduce Residential LT Tracker rate |
Bank of China have today made some product changes:1) The residential mortgage (RESI) margin has been reduced to 1.80% + BBR Lifetime tracker. Note that BBR refers to the Bank of England Base Rate. A new Arrangement Fee schedule applies for RESI loans. 2) A new Arrangement Fee schedule applies for Buy to Let (BTL) mortgages. There is no longer a differentiation between Limited Company and Non-Resident BTL applications. A single schedule applies for all BTL applications. 3) A BTL Overseas Investor product is available and specifically targeted towards investors from Hong Kong and Singapore. For BTL investors resident in Hong Kong or Singapore we can offer 2.88% + BBR Lifetime Tracker. British Expats working in Hong Kong or Singapore are also eligible for this product. For a dip form - PLEASE CLICK HERE For details of the latest products - PLEASE CLICK HERE |
| 23/12/10 - AToM Christmas Opening Hours |
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Thank you for supporting AToM throughout 2010.We look forward to working with you in 2011. The Directors and Staff at AToM would like to wish you a very Merry Christmas and a Happy New Year! To see our opening hours over the festive period Click here |
| 26/11/10 - Focus on Hanley |
Hanley have some great products up to 80% LTV with rates starting from 2.85%To find out more, obtain a KFI, DIP or submit an application, simply go to the HEBS dedicated AToM website CLICK HERE and log-in with the following details: Username: atom Password: granville600 |
| 25/11/10 - Bank of China Buy to Lets |
Bank of China Buy to Let up to 75% LTV (rate 3.88% LT Tracker)We can assist with Ltd Companies, First Time Buyers, Offshore Companies, some Foreign Nationals/Expats, Flats above shops and more. Lifetime Tracker - BBR + 3.38% 1 year ERC only Arrangement fee £1,695 up to £150k loan (£2,195 up to £500k) Repayment only. KFIs only available via the sourcing systems. For more information, please contact us or send us a dip: For a dip form - PLEASE CLICK HERE |
| 22/11/10 - Platform launch new Buy to Lets |
Buy to Let highlights - 2 year fixed from 4.74% 4 year fixed from 4.99% 2 year tracker from 2.99% 3 year tracker from 3.09% Please call AToM for more information |
| 18/11/10 - 4pm - BM Product changes TONIGHT |
On Friday 19 November BM Solutions is making changes to its Buy to Let new business ranges. To prepare for these changes the following products will be removed. Please ensure any applications on these products are submitted in full before 8pm tonight (Thursday 18 November). Buy to Let 3.75% 2 Year Tracker Code: EFM 4.25% 2 Year Fixed Code: EFK 4.80% 2 Year Fixed Code: EFL 6.10% 2 Year Fixed Code: EEO Don't forget to choose AToM as your payment route. |
| 17/11/10 - Platform make changes |
Platform will be making the following changes to their product range with effect from 5pm Friday 19 November. New products will be available from Monday 22 November. Buy to Let: - 2 year fixed until 31 January 2013, Rates to be changed, Arrangement fee to be reduced, Maximum loan of £150,000 introduced - 2 year tracker from completion, Rates to be reduced - NEW 3 year tracker from completion, Rates starting from 3.09% Pipeline deadlines - All products will be withdrawn from the website and all sourcing systems at 5pm Friday 19 November. All applications must be received at Platform by 5pm Friday 26 November. Applications must have a clickdecision. |
| 03/11/2010 - Portal Portfolio launch Exclusively via AToM |
A new secured loan lender, Portal Portfolio, has launched today, allowing borrowers to simultaneously invest in a pension fund and obtain a secured loan.The loans will be offered exclusively through All Types of Mortgages (AToM) and brokers will receive upto 4% of the loan in commission for referrals The lender is aimed at anyone who has a self-invested personal pension or SSAS pension and is looking for a secured loan. The pension fund provides the funding for Portal Portfolio to offer secured loans, offering a guaranteed 4% return. Tim Moore, managing director of Portal Portfolio, says; “This is an exciting product as it allows both investors and borrowers to benefit from attractive rates. “Obviously it won’t be appropriate for everyone, but for those people with sizeable investments in their pension, who are also looking to borrow money for anything from commercial reasons to home improvements it’s particularly attractive. “At 4% the pension fund offers good returns, which are ring-fenced so we expect the concept of collective funding a lending facility to appeal to both the borrowers broader individual and institutional investors.” Vic Jannels, group chairman of AToM, says: “The product has a clearly defined market and will appeal to the thousands of professional people who may have significant sums tied up in both their property and pension schemes. The collective nature of this investment allows borrowers to achieve good returns on their pension and at the same time borrow at competitive rates.” For more information click here , please call 0845 4040 240 |
| 30/10/2010 - New Buy to Lets - 7 days only! |
BM Solutions is introducing two market leading Buy to Let new business products (Saturday 30 October) available for both purchase and remortgage applications.These great new deals will be available for 7 days only, so please ensure applications are submitted in full before 8pm Friday 5 November to take advantage of these exciting offers (AToM will need full apps by 5pm FRIDAY). Buy to Let 3.75% 2 Year Tracker, 0.5% Product Fee, 75% LTV, 2 Year ERCs Code: EFJ 4.25% 2 Year Fixed, 0.5% Product Fee, 75% LTV, 2 Year ERCs Code: EFI Either send AToM a DIP by clicking the link above, or go to BM directly and select AToM as your payment route. |
| 28/10/10 - A lender wanting more business! |
Of late, it's rare for a lender to contact AToM and request more business, but it's just happened!This particular lender is on the AToM Complex Prime panel and specialises in: - Non credit scoring - 65% Residential, 60% Buy to Let - Clean, affordable, can be Complex! Call us now with your enquiry to see how we can help. |
| 19/10/10 - Our number 1 lender - have you tried igroup yet? |
Key highlights with igroup:- LTVs to 80% LTV on LVM0/LTM1/LTM2 products (75% Interest Only) - Fixed rates from 4.09% - Some adverse accepted - Purchase or Remortgage - Legal fees free on Remortgages if igroup solicitors used - Lifetime Tracker from 4.01% with just 1 year ERC - 5 Year Fixed Rates available - FTB acceptable - Employed Only - Send us a DIP now - it's a soft footprint with igroup Remember, AToM pay 0.35% on igroup residential mortgage products. To review the new product guide - CLICK HERE To apply online, click the DIP button above. |
| 08/10/10 - Exceptions via AToM |
Over the last few weeks, lenders have become somewhat more helpful when looking at cases that don't fit the normal mould. This includes higher income multiples, higher loan amounts, non standard mortgage arrangements and more. AToM prides itself on being able to place most cases, so please do give us a try. Submit a DIP online, or call us on the number above. We look forward to being of assistance to you. |
| 04/10/10 - Get your clients credit search at the outset |
As lenders tighten criteria and cases become harder to place, carrying out numerous AIPs with various lenders can be damaging to your clients profile.The quick solution to this is to get the client to obtain their own credit search at the outset. Experian offer a 30day free trial and the client can email you their full credit search in a pdf format. You can then forward this to AToM and we can assist in getting your client the mortgage to suit their requirements from day one. Give your clients the link - www.atomltd.co.uk/experian.html |
| 28/09/10 - Paragon choose AToM |
AToM are delighted to be one of the distributors for Paragon Mortgages relaunch into the market.Paragon has launched a range of buy-to-let mortgage products targeted at professional landlord investors offering facilities such as limited company buy to lets, multi-unit blocks and Houses in Multiple Occupation. Two-year fixed rates are available at 5.30% up to 65% LTV and 5.50% up to 75% LTV. Both come with a 2% fee. Trackers are available up to 75% LTV starting from 4.30%. Please call for more information. |
| 20/09/10 - New Commercial Exclusive |
- Offering up to 70% of the going concern value for established business purchases. - Business types such as Convenience stores, B&B's, Post Offices and more.. - Must be able to demonstrate 3 years profitable accounts with the clients having a clean credit history 3 year fixed - 4.40%, 5 year fixed - 4.75%, 10 year fixed - 5.05% Send us an enquiry - CLICK HERE or call 0845 40 40 240 |
| 17/09/10 - LBG reduce Buy to Let numbers |
From 25 September, Buy to Let property portfolios will be limited to a maximum of 3 properties, or £2m worth of lending (whichever is exceeded first), across Lloyds Banking Group. At the same time, Buy to Let products will no longer be available via intermediary channels through either the Cheltenham and Gloucester or LTSB Scotland brands.The changes will be effective from close of business on 24 September. |
| 20/08/10 - BM remove FTB Buy to Let option |
We are aware that BM Solutions will be making product changes Sunday 22/8/10 and will withdraw the option for FTBs to have a Buy to Let.If you would like to secure applications on the Buy to Let range for First Time Buyers: Please ensure all DIPs are completed via AToM by Saturday 21/8/10 MIDDAY DIPS can be submitted via the AToM website, MBL, Trigold or faxed to 0845 40 40 350. We understand that DIPS will need to be converted to full applications by Saturday 21/8/10 - 4pm (we're open 10-4pm on Saturdays!). Please submit full applications ASAP in order for us to meet deadlines. To complete an AToM DIP - CLICK HERE |
| 18/08/10 - 3 year fixed 3.99% from Hanley |
The Hanley Economic Building Society has launched a 3 year fixed rate mortgage via AToM.Key features include: - 3.99% Initial Pay Rate until 30/11/2013 - £699 arrangement fee and £100 upfront booking fee - up to 80% and £500k, purchase or remortgage - Legal fees paid up to £250 on remortgages or £250 cashback on purchases - NO CREDIT SCORING - client will be manually searched - proc fee 0.30% To request a KFI, DIP or submit an application CLICK HERE TO VISIT THE HANLEY WEBSITE username: atom password: granville600 Also available - 3 year discount with initial rate of 2.85%. Log in to the Hanley website for full details |
| 28/07/10 - Last chance to Vote! |
It's your last chance to rate the providers you do business with. The Financial Adviser Service Awards 2010 voting period ends on Friday 30th July. These awards have, over the past 20 years, established themselves as the benchmark for provider service levels in our industry.In 2009, we were awarded 3 stars, an improvement on 2008. We'd like to go one step further in 2010, so we would be really grateful if you could vote for AToM. To vote - CLICK HERE |
| 27/07/2010 - Cheshire make changes..... |
Cheshire Mortgage Corporation:- LTV increased to 75% (available with 1 demerit) - Rates reduced on all plans now from 9.5% - All property types accepted including standard and non-standard construction properties. - Demerit criteria enhanced - Mortgages from £10,000 - £200,000 plus - Max Loan and Max LTV on Valuation Bypass Schemes increased - Minimum acceptable income thresholds increased - Commission amended - Discounted rates not available To see the product guide, CLICK HERE |
| 21/07/2010 - AToM launch with Bank of China |
AToM are delighted to be appointed to the Bank of China approved distribution panel.We can now offer lifetime tracker rates on Residential, Buy to Let and Commercial finance starting from 2.80%, 3.88% and 4% respectively. NOTE - KFIs available via Trigold or Mortgage Brain only. For product criteria - PLEASE CLICK HERE For a dip form - PLEASE CLICK HERE |
| 19/07/10 - The Hanley Economic launch 5 year capped rate discount mortgage |
The Hanley Economic Building Society has launched a 5 year capped rate discount mortgage via AToM.Key features include: - 3.09% Initial Pay Rate - 2.10% discount until 31/8/2015 - Guaranteed not to exceed 5.99% - £899 arrangement fee and £100 upfront booking fee - up to 75% and £500k, purchase or remortgage - Legal fees paid up to £250 on remortgages - proc fee 0.30% To request a KFI, DIP or submit an application CLICK HERE TO VISIT THE HANLEY WEBSITE username: atom password: granville600 |
| 09/07/2010 - AToM wins BMA! |
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We are delighted to announce that AToM won a British Mortgage Award at the 2010 awards ceremony held in London on Tuesday.See the VIDEO - Page 31 - CLICK HERE Dale Jannels, Director, AToM, was awarded Business Leader, Specialist Distribution. Jannels commented "I'm elated to win this award, it was a real surprise. I'd like to thank everyone who has voted for me and I dedicate this to the exceptional team we have at AToM. Without their hard work and commitment, we would not be where we are today." Sir Geoff Hirst MBE presented the award along with Mortgage Solutions Editor Vicky Hartley - Click here |
| 25/06/2010 - AToM are open on Saturdays! |
AToM are open on Saturdays from 10am to 4pm.Dale Jannels, Director, AToM commented "As business levels increase once more, we are delgihted to be open for business on Saturdays. Many of our Estate Agent and Mortgage Broker introducers are open on Saturdays, so it's only right we are on-call to offer assistance for specialist and complex enquiries that need placing." |
| 23/06/2010 - Have you tried the new igroup range yet? |
Criteria - Maximum LTV now 75% (subject to plan)Rates / Fees - Reversionary Rates reduced by up to 0.50% Completion Fees - now £995, £1295 and £1495 dependant on product and LTV. First Time Buyers accepted! ...AND AToM pay a 0.35% proc. For more information, please view the new product guide by Clicking HERE . |
| 16/06/10 - AToM added to TMA approved packager panel |
AToM are delighted to be added to The Mortgage Alliance (TMA) approved packager panel to offer Packaging, Commmercial Finance and Complex Prime to all their members.
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| 14/05/2010 - AToM launch Exclusive Commercial Product |
AToM are pleased to announce an exclusive Commercial Finance product:- Up to 55% of the land value or purchase price and 50% of build costs - Experienced Builder only - CV needed - Clean credit and provable income - Rates from Base + 4% - Lenders arrangement fee of 3% with no exit penalties - Maximum term of 12 months with interest roll up available - Build costs released in stage payments For more information, please call our Commercial team on 0845 40 40 240 |
| 19/04/10 - Last chance to apply for Self Emp plans with igroup |
igroup will be withdrawing their product range for the self employed at 5.30pm tonight.Being withdrawn (and not replaced): to 60% LTV - 4.64% discount, 4.94% 2yr fixed, 5.74% 3yr fixed to 70% LTV - 5.89% discount, 5.99% 2yr fixed, 6.69% 3yr fixed DIPS TO BE WITH AToM BY 4.30pm TODAY Fully packaged deadline - 4/5/2010, Offered by deadline - 25/5/2010 To view the CURRENT range - Click HERE To view the NEW RANGE live 20/4/2010 - Click HERE |
| 12/03/10 - Drawbridge select AToM to distribute products |
AToM is delighted to have been selected as one of a few Key Partners to distribute the range of products available from Drawbridge Finance.These include Residential and Commercial Bridging, HMOS and Refurbishment Loans. To find out more, please CLICK HERE |
| 09/03/10 - MI/MN add AToM Complex Prime |
Mortgage Intelligence Holdings has launched AToM complex prime onto its panel for all members of Mortgage Intelligence and Mortgage Next.AToM complex prime offers advisers an alternative route to placing business which may otherwise be declined due to lenders ‘credit scoring’ DIP systems. With funding from five lenders and deals available up to 75% LTV, AToM’s team of underwriters will make assessments based on the overall merit of an individual case. Sally Laker, managing director of Mortgage Intelligence Holdings, says: “We’re delighted to be the very first networks and mortgage clubs to have access to AToM Complex Prime and are certain that our members will find real value in this offering. “AToM will consider good, clean cases with justifiable income that would otherwise be declined at DIP stage, offering a much needed opportunity for advisers to get the deal through. Maximising each and every piece of business is essential and if AToM can help place business that would otherwise be declined then it’s a win-win for advisers and their clients. I look forward to continuing to work closely with the AToM team and applaud them for their continued innovation in today’s market.” AToM have a dedicated website for Mortgage Intelligence and Mortgage Next members at www.misps.co.uk |
| 01/03/10 - Mortgage Strategy Caption Competition, bit of fun! |
In this weeks Mortgage Strategy - All Types of Mortgages' Dale Jannels with Boy George at the recent Mortgage Strategy Awards. Submit a witty caption for the right hand photo and you will be automatically entered into Mortgage Strategys prize draw to win a super-stylish MontBlanc Rollerball pen. Remember, the funnier it is, the more likely you are to win. What are you waiting for? Email only printable captions (by 3/3/10) to mortgage.strategy@centaur.co.uk or to apply online go to www.MortgageStrategy.co.uk |
| 25/02/10 - AToM wins 'Best Specialist Distributor' |
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AToM is delighted to announce they were awarded 'Best Specialist Distributor' at the prestigious Mortgage Strategy Awards on Wednesday night, held at the Grosvenor, Park Lane.Dale Jannels, Director picked up the award on the night and commented "We are astounded to be picking up our second award in a week! The Mortgage Strategy awards are one of the most recognised awards in our industry and we are so grateful to our introducers and peers who voted for us. Diversification has been key to AToMs longevity and this award is justification that we appear to be getting things right and our offerings are attractive to our intermediary partners. We are incredibly grateful and proud!" For the full list of Award Winners, please click here Jannels picked up the award from Phil Rickards, Head of Sales for BM Solutions and Alun Cochrane, Comedian and star of 8 out of 10 cats. To see the picture, Click here |
| 22/02/10 - AToM wins best packager - MyIntroducer.com Awards 2010 |
AToM has been awarded "Best Mortgage Packager" by the MyIntroducer.com awards 2010.MyIntroducer.com awards are the only financial services awards programme decided by the industry's vote only. Dale Jannels, Director commented "We are thrilled to be voted the winner in this category and thank everyone who took the time to vote for AToM. We have a superb team at AToM and this is in recognition of their hard work." To see the full list of winners, PLEASE CLICK HERE |
| 05/02/10 - More Complex Prime Placements! |
Complex Prime is a growing market. AToM has successfully placed the following scenarios this week:1) S/E Income £32,000 rental £6,900 & £30,000 from two unencumbered properties. Wishes to raise £200,000 on Interest Only for as long as possible. Aged 63. Asset rich. 2) Income from the following sources Disability Living Allowance x £3377 pa, Care Allowance x £2756 pa, Income Support x £12769 pa, Child Benefit x £1664. The benefits have been paid for the last 11 years. The clients are moving and a require a mortgage of £75k on a purchase price of £170k (44% LTV) with the equity coming from the sale of their current home. 3) Value £6-£7million, Current mortgage £2.5million. Looking for better rate than 4.84%. Long payment history of maintaining £2.5m loan. Problem with last years account not showing much profit. Draws Large Dividends. And many many others.. If you have a case that is of a Complex Prime nature, please call us, or submit a DIP. |
| 03/02/10 - Like what we do? Please leave feedback |
Cherry is the essential portal for Mortgage and Financial intermedaries. On their site, not only do they have a great forum for intermediaries, but they also provide a facility which enables you to leave feedback on any lender, network or packager that you deal with. We'd be grateful if you would take a couple of minutes of your time to register your feedback (preferably positive!) on your experiences with AToM. To register your feedback, please CLICK HERE Thank you in advance. |
| 22/01/2010 - Complex Prime on the increase! |
We now have four lenders signed up exclusively to the AToM Complex Prime proposition.One lender has also allocated AToM a tranche of £10m for 2010. Complex Prime is most definitely on the increase as the high street lenders 'tick box' credit scoring systems continue to cause frustration across the industry for declining seemingly straight forward applications. AToM has always had a history for placing cases that do not fit the normal mould and Complex Prime is our way forward. If you have cases that have been declined by the high street for no apparent reason (must be prime), or you have cases that need manual underwriting, please call us or complete a dip online. We have lenders who are willing to assist! |
| 14/01/10 - AToM Complex Prime case scenario |
Over the coming weeks, we will be posting examples of cases that have been placed successfully on the AToM Complex Prime proposition. If you have any Prime cases that are in need of a manual review, please contact us.RECENTLY PLACED EXAMPLE - Family Trust wish to purchase property for daughter to live in. Daughter has special needs. Property value £170k. Mortgage required £50k. Trust formed to assist daughter. Trustees are parents with good income joining in as guarantors. Rate SVR at 4.54% with a fee of £1k. |
| 17/12/09 - Got a complex case? AToM may be able to help... |
AToM has always been renowned for dealing with complex cases. We are going down this road again. However we’re now also including those that don’t fit the high street, doesn’t fit the normal mould, or fails credit score for no apparent reason (they must be clean and full status). We have three lenders (no, we’re not saying their names!) who will review on a bespoke basis. If the case is good, they will do the deal and offer a very competitive interest rate. We’re going back to basics with lenders who have an appetite, so give us a call! |
| 09/12/09 - Cheshire Suspend Self Employed Plans |
We have just received the following from Cheshire:"Cheshire Mortgage Corporation continues to experience greater than anticipated volumes of business as a result of Beacon’s decision to withdraw from the mortgage market. This is having an adverse affect on our service levels. We endeavoured not to over commit our resources in November and decided to suspend some of the Cheshire Mortgage Corporation plans for a temporary period. As the anticipated volumes have already been exceeded, to manage the levels of business efficiently, with immediate effect we have decided to extend this suspension to all Self-employed applicants. Only clients that derive an income from employment, DSS benefits or pensions will be accepted, and only income from these sources will be accepted for the purposes of affordability. Pipeline Business - Due to the sharp rise in business volumes the suspension of Self-employed applicant plans also applies to any current pipeline business which unfortunately we will not accept with immediate effect. Pre-offer cases - Any pre-offer cases with Self-employed applicants will be declined, unless the clients can afford the mortgage based on employed, DSS benefit or pension income. Post-offer - Any post-offer cases with Self-employed applicants will be reviewed over the next few days and you will be notified of a final decision." For more information, please contact AToM on 0845 40 40 240 |
| 24/11/09 - Cheshire suspend certain plans |
UPDATE FROM CHESHIRE - As a result of Beacon’s understandable decision to withdraw, over the past few days we have had sizeable commitments of increased volumes, as I am sure you would expect. This will naturally have an adverse affect on our service levels and efficiencies. As we endeavor to ensure we do not over commit our resources, after careful consideration, we have decided to suspend some of the Cheshire Mortgage Corporation plans for a temporary period, with immediate effect. - The 6 & 8 Demerit Plans - Customers with IVAs, Bankruptcies or in a Debt Management Plan - Right to Buys - The 50% LTV with 3 demerits Shared Ownership plan - Single applicants who are self employed - Family Occupied Buy to Lets and Semi-Commercial Current pipeline business will be accepted; however from today onwards any new business produced on these plans will not be accepted until further notice. |
| 28/10/09 - AToM win MFG TCF Award 2010! |
At last night's Mortgage Finance Gazette Awards, AToM was very proud to be awarded:Excellence in Treating Customers Fairly – Non Lenders Mortgage Finance Gazettes website - www.mfgonline.co.uk - stated: The winner is mortgage packager AToM for maintaining good customer service to its broker clients during a difficult year. Nominations stated that AToM looks after its brokers and their clients, the company cares, and is always helpful and professional. On a practical level the paperwork is clear and understandable and they have a good range of products. From all the team at AToM, thank you for voting for us - we really appreciate it. |
| 12/10/09 - Article in todays Press |
We have noticed this morning of some news re the FSA banning a broker called Ayodele Olubunmi Thomas, a director and approved person of Atom Associates.The last line of the release also states that 'Thomas also conducted business as Divine Mortgages, a trading name for Atom.' For clarity - this individual and 'Atom associates' are IN NO WAY linked or have a relationship with AToM (All Types of Mortgages Ltd), Horsham. Any questions, please contact Dale Jannels, Sales & Marketing Director, AToM on 0845 40 40 240. |
| 02/10/09 - Get Trigold for Free! |
As a key introducer to AToM (All Types of Mortgages Ltd), Trigold are happy to offer you a great deal on our award winning mortgage sourcing software Prospector AAA. If you are not already a Prospector user we are offering you an unrestricted 60 day FREE trial and a special offer price of only £25 per month (usual price £29.95).* And remember - you can move your clients over from your existing system and get the best sourcing system the market has to offer featuring Whole of market sourcing with the option of including direct products Newly upgraded E-Trading Centre with links to all the lenders on the system (and AToM of course!) ‘Near misses’ feature to help you source the deal you want Added sourcing features including Shared ownership, multiple occupancy, multiple sourcing windows New debt consolidation calculator Enhanced remortgage analysis To register your interest with AToM for a free trial of the system, please click here and include your full contact details and company name. Try it and see! *Proof of subscription to an alternative system may be required. |
| 11/09/09 - AToM pays 0.46% on BM Solutions Buy to Lets |
A gentle reminder that AToM pays 0.46% on BM Solutions Buy to Lets.You can even go direct, choose AToM as your payment route, and still receive 0.43%! Speak to the AToM sales team on 0845 40 40 240 |
| 27/08/09 - Why use AToM? |
Find out why AToM are one of the UKs leading mortgage packagers/distributors and how we can assist you and your clients.To review our introducer pack - click here |
| Phone System |
We are currently experiencing a few issues with our phone system and are working to fix this problem immediately. Please contact us on service@atomltd.co.uk until the issue is resolved.
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| 11/05/09 - AToM on MTE |
Did you know you have the ability to access an ATOM DIP and Application form via the Mortgage Trading Exchange (MTE)? For those brokers who have completed a factfind within The Key, an MTE supported Point of Sale system, or Mortgage Brain and then sourced an AToM product, all this information is automatically available to pre-populate our DIP or Application form.MTE offers you: - The ability to make sales in your customers home or office, as its offline - Electronic access to AToM products and underwriters - The ability to send us cases other lenders have declined, utilising most of their data PLEASE CLICK HERE TO BE REDIRECTED TO MTE |
| 15/12/08 - Please spare 30 seconds! |
We would be grateful if you could spare 30 seconds to complete our survey. Click here
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| 22/05/08 - AToM wins Business of the Year |
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AToM are pleased to announce that they have been awarded "Business of the Year" in the West Sussex County Times Business Awards 2008.
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| 01/05/08 - AToM win another award! |
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AToM are pleased to announce that they have been awarded the Financial Adviser Best Mortgage Packager 2008.
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| 16/04/08 - AToM awarded Best Packager 2008! |
AToM are pleased to announce they have been awarded Mortgage Solutions Best Packager 2008 in their Online Technology Awards.Thank you to everyone who voted for us, another great reason to use AToM! To view the awards supplement click here. AToM can be found on page 15. |
