At AToM we understand the need to respect the relationships that you have previously built up with your clients and unreservedly offer a 100% no cross sell guarantee.

Each product offering though AToM will carry a different proc fee, some products will carry a fixed rate whereas others will be based upon loan size. However these will always be expressed as a percentage, and we will guarantee to pay as soon as a case reaches legal completion, subject to confirmation from the lender and solicitor.

Because we like to keep things simple we have designed a generic application form for your ease which has been accepted by all of our lender partners.

Here is an indication of the types of cases we have successfully placed;

• Key worker scheme required, applicant had adverse credit and was short term self employed.
• Foreign National, UK taxpayers / applicant did not have permanent rights to reside.
• Remortgage from a sub prime lender where applicants had late payments in the last 3 months.

With over 450 years of combined experience and whatever your client’s situation we are confident that we can find the right mortgage for them.

AToM express

AToM express is the fast track processing arm of AToM for all directly authorised and approved Intermediaries who have pre-sourced their client’s application, submit applications via our website, post, sourcing systems or who require assistance in researching cases.

We have a team of experienced Mortgage Sales Consultants available every day to assist you, whatever your clients circumstances.

The Branded Lender – This progressive innovation from the AToM Group gives total control of the entire mortgage process with six of the UK’s biggest lenders. With underwriters in-house, AIP to offer to completion all takes place within our offices.

AToMic – AToM’s very own Mortgage Club for Intermediaries. 25+ panel lenders available (many with exclusive products) with top-tier procuration fee payments made quickly after notification of legal completion.

Introducer Appointed Representatives – For those who are undecided about their preferred status in the mortgage market post regulation, but who still want to operate and conduct mortgage business. AToM will deal with the client directly and cover all compliance and regulatory needs. In return a 65% payment of the lenders normal recommended procuration fee will be paid to the introducer.

Satellite Packaging – An opportunity for Intermediaries who generate high volume but are unable to obtain packaging deals direct from Lenders themselves. Procuration fee payments are very attractive for quality and quantity producers.

Why AToM does not have an AR offering?

You may have noticed that AToM do not have an AR offering. This decision is a deliberate one as we believe that there are other companies better placed to provide the infrastructure and resources to satisfy regulatory requirements. This decision will allow AToM to build on the core competencies it has developed since its inception, in providing a rounded service proposition to the mortgage industry, but without the considerable distraction of running and supervising a network.