Related topic: near prime

Rates on the majority of Atom Bank’s prime and near prime ranges have been cut by 0.10%.

The changes will enable borrowers to increase their maximum loan amount by up to £31,000.

The Bank has re-introduced heavy refurbishment finance for non-regulated bridging cases.

Both prime and near prime deals now start from 5.29%.

Atom is also reducing rates across other near prime products by 0.10%.

89% of brokers expect to advise more clients on near prime products over the course of 2026.

Three quarters of brokers expect to see further growth in near prime demand in months ahead.

The lender has reduced all purchase and remortgage rates across the range.

90% LTV near prime products now start at 5.64%.

93% of brokers saw an increase in enquiries from clients with adverse credit in 2025.