Atom bank trims commercial mortgage rates

Fixed-rate commercial investment mortgages now start at 5.92%.

Related topics:  Atom bank,  Commercial Finance
Property | Reporter
8th May 2025
Tom Renwick - Atom bank 926
"Atom bank is committed to supporting businesses to take the next step and will continue to improve our proposition wherever possible, as demonstrated by both these rate cuts and the recent introduction of simplified stressed interest rate calculations"
- Tom Renwick - Atom bank

Atom bank has announced that it has cut rates across its commercial investment fixed-rate mortgage range, with changes effective immediately.

The rate reductions vary depending on the loan-to-value bracket. Loans under 45% LTV have been reduced by 0.11%, while loans between 45% and 50% are down by 0.17%. Loans between 50% and 55% have dropped by 0.19%, and those between 55% and 60% have fallen by 0.25%. The cuts are steeper for higher LTVs, with a 0.33% reduction for 60% to 70% LTV and a 0.40% cut for loans between 70% and 85% LTV.

Following the reductions, fixed-rate products now start at 5.92%. Variable-rate mortgages remain unchanged. Additionally, a 0.25% discount is available on loans between £1m and £4m.

The changes come shortly after the bank introduced a simplified variable stressed interest rate calculation designed to help eligible business borrowers access larger loan amounts.

“I have no doubt that brokers and their clients will welcome these rate reductions, which provide businesses with even more competitively-priced options," said Tom Renwick (pictured), head of business lending at Atom bank."

"Atom bank is committed to supporting businesses to take the next step and will continue to improve our proposition wherever possible, as demonstrated by both these rate cuts and the recent introduction of simplified stressed interest rate calculations.

“Just as important as delivering great value is providing outstanding service, and we continue to win praise from brokers for our exceptional turnaround speeds. The combination of great value and speedy service is why so many brokers are introducing their business clients to Atom.”

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