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...

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

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

Rates have reduced by up to 0.15%.

The latest reductions are the second round of cuts made by Atom this month.

Rates have reduced by up to 0.25%.