Atom Bank cuts commercial mortgage rates by 0.25%

Atom Bank has reduced rates by 0.25% across its standard commercial mortgage range.

Rates for new applications on commercial investment cases now start at 5.88%, while for commercial owner-occupied cases, rates begin at 5.68%, based on cases at 45% LTV or lower.

A further 0.25% rate reduction is available on all cases of between £1m and £4m.

Business borrowers enjoy bespoke pricing with Atom, with a personalised rate calculated based on the individual circumstances of the borrower. Brokers can provide an indication of potential costs through the Quick Quote tool, before proceeding to making a full application.

So far in 2025, agreement in principles have been issued within an average of one working day following the receipt of a fully packaged application. Once this has been accepted, offers are delivered within an average of six working days.

Tom Renwick, head of business lending at Atom Bank, commented: “Atom Bank will always act wherever possible to provide brokers and their clients with better value. This rate reduction applies to our property investment and trading commercial mortgage fixed rates, and means businesses can benefit from the security of a fixed rate, and at a lower cost. 

“We know that supporting businesses is about more than just rate however, which is why we have spent so much time and effort streamlining our processes. It means borrowers enjoy a faster, easier and smoother experience. That journey, coupled with the great value provided by our products, is helping Atom become a go-to lender in the commercial space.”