Atom Bank pioneers digital mortgages with Finova’s MSO platform

Read how Atom Bank revolutionised its mortgage operations with Finova's MSO platform—automating the entire process, enabling rapid case processing, and delivering a seamless digital experience for brokers and customers alike.

Introduction

Atom Bank is the UK’s first all-digital challenger bank, offering a mortgage proposition designed to be as simple and seamless as possible. With a strong focus on customer experience, Atom set out to transform the mortgage journey—removing complexity, reducing time to offer, and creating a fully digital process.

To bring this vision to life, Atom turned to Finova’s Mortgage Sales and Originations (MSO) platform, selecting it as the foundation for their innovative digital mortgage strategy.

The challenge

Traditional mortgage processes are often slow, paper-heavy, and inefficient. Atom Bank wanted to completely rethink the experience by offering:

  • Full automation—reducing manual touchpoints and eliminating re-keying
  • Seamless digital access—enabling brokers and customers to interact effortlessly
  • Faster processing times—delivering rapid case turnaround for better customer outcomes
  • Transparency and flexibility—ensuring brokers and customers have real-time visibility over applications

The solution

Atom Bank implemented Finova’s MSO platform to create a cutting-edge digital mortgage experience. MSO provided:

  • End-to-end automation—from application to completion, reducing administrative burden
  • Real-time case tracking & alerts—enhancing broker visibility and reducing follow-ups
  • Multi-device accessibility—allowing brokers to manage cases from anywhere
  • Seamless document uploads—enabling brokers to attach files via their device’s camera
  • Smart data capture—only collecting relevant information, removing unnecessary steps
“MSO was a natural fit to support our digital mortgage proposition.”
Maria Harris, Director of Lending at Atom Bank

The results

With MSO at the core of its mortgage operations, Atom Bank has achieved remarkable results:

🚀 Fastest mortgage offer in just 14 seconds—transforming the speed of lending
⏳ Remortgage applications completed in just 9 working days—cutting processing times
📈 Fully automated end-to-end workflow—removing re-keying and manual delays
🔍 Greater broker efficiency—real-time tracking and instant alerts reducing admin time

Through its partnership with Finova, Atom Bank has redefined what’s possible in mortgage lending—offering a faster, simpler, and smarter mortgage journey for brokers and customers alike.

Looking ahead

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