Atom bank has reduced rates across its commercial mortgage range by up to 0.62%, lowering borrowing costs for small and medium-sized enterprises.
Average reductions stand at 0.30% for trading businesses and 0.20% for commercial investment transactions. For both trading and commercial investment deals, rates now fall within a reduction range of between 0.15% and 0.62%.
Trading businesses using the Growth Guarantee Scheme also benefit from lower pricing. Rates on both variable and fixed products under the scheme have dropped by 0.30%.
The latest changes follow the introduction earlier this month of a 0.25% rate discount for business borrowers with a debt service coverage or interest coverage ratio of 200%. Atom bank said the adjustment reflects its approach of assessing pricing according to the individual risk profile and circumstances of each borrower.
Key elements of the revised pricing include:
rate cuts of between 0.15% and 0.62% across trading and investment products
average reductions of 0.30% for trading businesses and 0.20% for commercial investment deals
a 0.30% reduction on Growth Guarantee Scheme products for trading businesses
an additional 0.25% discount for borrowers with coverage ratios of 200%
Brokers can generate an indicative quote within minutes using the Quick Quote tool on the Atom bank portal, allowing them to provide clients with faster visibility on potential pricing.
The bank’s commercial mortgage division has reported a series of operational milestones in recent months. It began 2026, having passed £1 billion in commercial mortgages held on its balance sheet. Toward the end of last year, the team completed its largest Scottish transaction to date and received several awards at the National Association of Commercial Finance Brokers annual awards.
“By reducing our rates, we aren’t just offering a better deal; we are intentionally driving competition in a market that has long needed it,” said Tom Renwick, head of business lending at Atom bank.
“Our goal is to prove that business borrowers don't have to choose between competitive pricing and strong service levels, at Atom, they get both."
“This latest rate reduction, alongside our new discounts for high-quality cases, reinforces our commitment to providing SMEs with the sustainable, low-cost funding they need to thrive. We’ve listened to our broker partners, and by combining these sharper rates with a streamlined digital process, we are ensuring that certain, high-value outcomes are more accessible than ever for British businesses.”
