The business is based in Horsham, West Sussex but operates nationally. Our staff have in excess of 230 years collective financial services experience between them and our professionally qualified advisers average 25 years a piece. Their experience ranging through building societies, banks, insurance companies and estate agency giving a comprehensive perspective and understanding of the market place (3 of the team can even remember the recession of 1972!). AToM is authorised and regulated by the Financial Services Authority to give independent and impartial advice on mortgages.
Whether your client's are first time buyers, self employed, retired and need capital or income (equity release), ex-patriate, have poor credit, or are just simply looking for a better rate of interest, we can help them find the right mortgage. As every case is unique and personal and we are used to dealing with the straightforward as well as the complex prime. We are mortgage specialists.
Our motto is ‘Mortgages Made Easy’.
AToM is an independent company.
AToM is fully authorised and regulated by the Financial Services Authority.
We have a number of services which we can offer you:
- AToM Sales/Placement
- RDI proposition
- Complex Prime
- Secured Loans
- Bridging Finance
- Commercial Loans
- and more!
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 pay procuration fees as soon as a case reaches legal completion, subject to confirmation from the lender and solicitor and the lender has paid AToM.
Have you seen our COMPLEX PRIME proposition?
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.
AToM Sales- 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.
Refer Direct Introducers – 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 % payment of the lenders normal recommended procuration fee will be paid to the introducer.
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.
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- 17/4/13 - On Site Masthaven & Shawbrook
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"To be the mortgage provider, distributor and packager of choice; most preferred by our partners and most regarded by our customers."