Related topic: Atom Bank

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.

Rates start at 4.94% for new £1,995 fee tier.

Atom will now consider applications from first-time buyers for all eligible businesses.

Atom Bank has reduced rates across its residential mortgage range by up to 0.10%.