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.

Rates have reduced by up to 0.15%.

The range is available to borrowers who may have suffered a temporary credit issue in the past.

David Castling, head of intermediary distribution at Atom Bank, says the mortgage industry can - and should - go further to improve the speeds at which we work.