UK banks may be overestimating emissions from residential mortgages by up to 50%, according to Atom bank's latest study.

Prime rates now start at 4.84%, while Near Prime rates begin from 5.04%.

Prime mortgage rates now start at 4.94% following a 0.10% reduction.

59% recently surveyed want the early withdrawal penalty reduced or removed.

Rates start at 5.09% for two-year fixed terms.

The number of HMOs in the UK has dropped by 9.5% since 2018.

More than 70% of Atom's Near Prime customers have qualified for a Prime product over the past 12 months.

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

The latest cuts follow a similar move by the bank in mid-April when rates were reduced by up to 0.20%.

The latest reductions are the third time Atom bank has cut rates so far in 2025.