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WHY US?

About us:
AToM was established in 1992 and has since progressed to become one of the premier mortgage brokers/packagers/distributors in the UK market. With a highly experienced team of specialist mortgage consultants, AToM has a vast store of knowledge when it comes to dealing with all areas of the mortgage market.

What we can do for you and your clients:
With the plethora of information available nowadays on mortgages, its no wonder that people get confused. At AToM we are strong believers that there is no substitute for a personal one-to-one discussion about what suits your clients circumstances. AToM are focused on delivering the ‘AToM Experience’ which means 100% satisfaction, 100% of the time.

Why use AToM?
Whether your clients are first time buyers, self employed, looking for a Buy-to-Let, retired and want to know about Equity Release, have had credit problems, or are just wanting to switch providers to save money, it makes sense to come to AToM. We have access to many exclusive products and lenders. You can be confident that we will find you the right mortgage to fit your clients circumstances.

Regulation
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!

    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 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.

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

    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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