The products, which are available through selected independent mortgage brokers only, are aimed at a range of customers including first-time buyers, self-employed, re-mortgagors and people borrowing in retirement.

The challenger bank also plans to launch buy-to-let mortgages next year.

Consumers can find a broker who offers Atom mortgages by contacting the bank via its website. There are currently around 860 firms on the panel of intermediaries.

Once an intermediary has applied for a mortgage, customers can download the free Atom app. In the app, customers can track their Decision in Principle (DIP) and application progress, accept their mortgage offer electronically, and store all key documentation.

Atom’s director of retail mortgages, Maria Harris, said: “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 make sure our customers are updated in real time directly via their App. We are also keen to make the process of 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 will give 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.”

Rates start from 1.19% for a 2-year fix at 60% loan to value (LTV) with a £900 fee and 1.89% for a 5-year fix at 60% LTV, also with a £900 fee.

Atom launched in April this year with two Fixed Saver accounts and with SME lending via a panel of specialist business intermediaries.

It will launch a full suite of products in the coming months and throughout 2017, including current accounts, debit cards, overdrafts and instant access savings, all of which will be managed via the app.