Related topic: near prime

The Bank has re-introduced heavy refurbishment finance for non-regulated bridging cases.

Both prime and near prime deals now start from 5.29%.

Atom is also reducing rates across other near prime products by 0.10%.

89% of brokers expect to advise more clients on near prime products over the course of 2026.

Three quarters of brokers expect to see further growth in near prime demand in months ahead.

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

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

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

Brokers call for improved financial education in order to help the next generation of borrowers avoid succumbing to the same credit mistakes.

The reductions apply to both prime and near prime products.