Notices

The AToM Group endeavor to ensure that all the information contained on our website is as accurate and up to date as possible. We remain dependent upon receiving notification of changes from product providers and therefore act in good faith when producing information on our website. The AToM Group does not accept responsibility for any loss, whether consequential or otherwise, from errors or omissions and reserves the right to vary the published fee or commission arrangements in such circumstances, without prior notification.

A mortgage is an important personal matter and we treat all aspects of our responsibilities very seriously. To that end AToM is registered with the Office of Fair Trading (CCL No. 330953) and is regulated and authorised by the Financial Conduct Authority (FCA) No. 594612 www.fca.gov.uk

Once a decision in principle (DIP) or agreement in principle (AIP) is obtained from a lender a processing fee of £99* is required in addition to the lenders valuation fee: It is payable on application and is non-refundable (remember this together with any broking/consultancy/packaging fee must be clearly disclosed in the KFI/ESIS).

*subject to minimum loan size and lender. Any changes will be advised on the DIP response.

If your client's credit or debit card declines, an administration charge of £25 will apply to retake the funds. Our actual fees are available here. The lender's decision is always final and is based upon receipt of a completed application form or Decision in Principle form and supporting documents.

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

A member of the AToM Group of Companies. 24 The Carfax, Horsham, West Sussex. RH12 1EB. Registered in England No: 2661757. Registered Office: Fairwinds Lyons Road Slinfold West Sussex RH13 0RY. Errors and omissions excepted.

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

Terms and Conditions

For details of our terms and conditions, please click here.

For our packaged client declaration please click here.

Slavery and Human Trafficking Statement 2017

For full details of our Modern Slavery Policy, please click here.

The information contained within this website is for intermediary use only. It is not intended for use by the general public.

Please note that telephone calls are monitored for training purposes. Calls are charged at normal rates. Lines are open from 9am - 5:30pm Monday to Friday and 9am to 2:30pm on Saturdays.

The AToM Group, 24 The Carfax, Horsham, West Sussex, RH12 1EB

Tel: +44 (0) 1403 27 26 25
Fax: +44 (0) 1403 211 200

"Mortgages Made Easy", "The Branded Lender", "All Types of Mortgages" and "AToM" are trade marks of The AToM Group.

Offices in Horsham, Cumbria and London.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.


  • 17/05/2018 - Kensington 90% LTV Exclusive
    Have you seen our 90% LTV Residential Exclusive with Kens...Read More
  • 15/05/2018 - New Limited Edition Standard Plus Range

    Have you seen our new and exclusive Limited Edition Standard Pl...Read More

  • 14/05/2018 - Aldermore Later Life Lending Range
    This morning we are delighted to announce we are partnering with Aldermore...Read More
  • 10/05/2018 - SFI Awards 2018
    We are delighted to have been longlisted for 6 awards at the 2018 S...Read More
  • 09/05/2018 - Octopus Property Ltd Edition Bridging Product
    We are delighted to announce Octopus Property have launched a new Limit...Read More

Our Vision:

"To be the mortgage provider, distributor and packager of choice; most preferred by our partners and most regarded by our customers."