Related topic: Atom Bank

The rate reductions reflect recent improvements in swap markets.

The lender has reduced all purchase and remortgage rates across the range.

Atom bank has reduced its commercial mortgage minimum loan size to £100,000 and cut rates by up to 0.94%, targeting underserved SMEs locked out by high street lenders.

SMEs can now borrow from £200,000, widening access to funding for smaller commercial deals.

90% LTV near prime products now start at 5.64%.

In total, 87 improvements to the broker portal have been added over the last 12 months.

On average, there are reductions of 0.30% for trading businesses and 0.20% for commercial investment deals.

A discount of 0.25% is available in cases where the borrower can demonstrate a DSC or ICR of 200%.

93% of brokers saw an increase in enquiries from clients with adverse credit in 2025.

The reductions apply to both prime and near prime products.