Atom Bank has added 80% LTV and 85% LTV rates to its mortgage range.

The two LTV bands are now about on two and five-year terms across purchase and remortgage.

They join the existing line-up of Atom Bank’s digital mortgage products, launched in December 2016 and are available through selected independent mortgage advisers. The broader range of residential lending is now available for the self-employed, contractors, lending into retirement, purchase, re-mortgage, shared ownership, first-time-buyers and new-build properties.

Maria Harris, Atom Bank’s director of retail mortgages, said: “We are delighted to be expanding our range of products so soon after launching the new proposition. Our mortgages are designed to be easy to understand, with fair and transparent fees and no charges where there isn’t a true cost.

“We understand many traditional banks are playing with people’s dreams when they make the process so difficult and we are keen to make buying a house quick and painless – in some cases mortgage offers can be made on the same day.

“We strongly believe that offering mortgages via independent experts gives our customers the best service and the very best advice when choosing a mortgage. Our ultimate aim is to help people get what’s right for them, and for them to have the best experience along the way. Customers can find an intermediary who is able to discuss Atom mortgages via our customer support team. In time, this too will be managed via the App.”