Atom makes further cuts to prime mortgage rates

Rates now start at 5.14%.

Related topics:  Atom Bank,  Mortgage rates
Rozi Jones | Editor, Financial Reporter
2nd July 2026
Atom Bank

Atom Bank has reduced rates across its prime mortgage range for the second time in two weeks.

Rates have been reduced by 0.15% across the range, following an earlier 0.15% reduction in the middle of June.

Rates now start at 5.14% for two and three-year fixed rates up to 85% LTV, with a £900 product fee. For five-year fixes, rates start at 5.19%.

The latest prime rate reductions follow the introduction this week of near prime products at 95% LTV, alongside a rate cut of 0.10% on its existing range of near prime mortgages. 

Richard Harrison, head of mortgages at Atom Bank, commented: “Reducing our prime rates twice within just a couple of weeks is a great example of our determination to provide great value to brokers and borrowers.

“Enhancing our prime range in this way, just days after launching our 95% LTV near prime proposition, highlights our ability to support a wide range of borrowers. We will continue to combine that innovative spirit with great rates and the market-leading speeds for which we have become known.”

 

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