More than 70% of Atom's near prime customers have qualified for a prime product over the past 12 months.

David Castling, head of intermediary distribution at Atom Bank, says that while energy bills are heading downwards, for plenty the damage has already been done and if they are to...

Atom bank has reduced rates across its ‘Near Prime’ residential mortgage range, with immediate effect.

The Bank's highest LTVs have seen the largest rate reductions.

The largest reductions are to 95% LTV rates.

Rates have reduced across the range by up to 0.35%.

Richard Harrison, head of mortgages at Atom Bank, notes that around 2.5 million people are in debt to their water company and that this can be enough to push them out of the prime...

Two and three-year fixed rates now start at 4.99%.

The bank has simplified the way that affordability for variable rate loans is assessed.

The near prime range includes two, three and five-year fixed rates, with both fee-charging and fee-free options.