Atom bank reduces commercial investment mortgage rates
Atom bank, the UK’s highest rated mortgage lender on Trustpilot, has reduced rates on its commercial investment fixed rate mortgages.
The cuts take effect immediately, and vary in size based on the loan-to-value (LTV) product band. For example:
- Less than 45% LTV – rates reduced by 0.11%
- 45-50% LTV – rates reduced by 0.17%
- 50-55% LTV – rates reduced by 0.19%
- 55-60% LTV – rates reduced by 0.25%
- 60-70% LTV – rates reduced by 0.33%
- 70-85% LTV – rates reduced by 0.40%
As a result of the reductions, fixed rate products now start at 5.92%. Variable rate mortgages are unchanged. A further discount of 0.25% is available on all loans between £1m and £4m.
Atom bank’s range of commercial investment mortgage products are designed to support those looking to purchase or refinance commercial property which is then let to tenants, such as offices, retail, industrial or healthcare spaces.
The reduced rates follow on from the app-based bank introducing a simplified variable stressed interest rate calculation, which will allow eligible business borrowers to access larger loan amounts.
Supporting business borrowers
Atom bank provides business borrowers with bespoke pricing, using the borrower’s individual circumstances to calculate a personalised rate.
Brokers can quickly obtain an indicative quote for commercial clients using the Quick Quote tool on Atom bank’s portal, before proceeding with a full application.
Alongside personalised pricing, business borrowers enjoy rapid access to their funds. Based on data for 2025 to date, an Agreement in Principle is issued within one working day on average, following the receipt of a fully packaged application. Formal offers are typically delivered within six working days of the Agreement in Principle being accepted.
Tom Renwick, head of business lending at Atom bank, commented: “I have no doubt that brokers and their clients will welcome these rate reductions which provide businesses with even more competitively-priced options. Atom bank is committed to supporting businesses take the next step, and will continue to improve our proposition wherever possible, as demonstrated by both these rate cuts and the recent introduction of simplified stressed interest rate calculations.
“Just as important as delivering great value is providing outstanding service, and we continue to win praise from brokers for our exceptional turnaround speeds. The combination of great value and speedy service is why so many brokers are introducing their business clients to Atom.”