Atom bank has completed a £3 million commercial mortgage to support an established residential investor diversifying into the North West commercial market.

The funding was used to support the borrower’s move into commercial property, with a focus on warehouse and wholesale trading assets in the region.

While the client already holds a substantial residential portfolio, the deal marked a strategic shift into commercial property after identifying opportunities in the sector.

The case was introduced by Matthew Yassin, managing director, structured finance at Aquilae Capital Advisory. He said the lender’s sector knowledge and willingness to concentrate on the fundamentals of the asset were central to delivering the transaction.

The transaction comes as Atom bank reports a strong finish to 2025 for its commercial lending business. The lender said it has set a new internal record for the value of commercial mortgage offers issued in the final quarter of the year, covering the period from October to December 2025, with December still in progress.

As of 12 December, the value of offers issued in the quarter was already more than 7% higher than the previous record set in Q3 2025. Atom also recorded its highest ever monthly value of commercial mortgage offers in October.

Neil Findlay (pictured), regional business development manager at Atom bank, said: “We are seeing residential property investors looking more seriously at adding commercial properties to their portfolios, whether it’s to diversify or on account of the higher returns achievable.

“However, not all commercial assets are the same, which is why it’s crucial for brokers to work with lenders who can demonstrate experience and understanding of specific sectors within the commercial space.

“This case is a great example of that, and our knowledge of the warehouse and wholesale trading sector was key to delivering the right package to the client.”

Yassin added: “What really stood out in this deal was Atom bank’s deep understanding of this part of the market. Throughout our conversations with Neil and the underwriting team, they concentrated on the key aspects and showed a real grasp of the asset.

“They recognised the individuality of the deal and focused on the areas that mattered most. In a market where delivery is everything, Neil and his team truly went the extra mile for my client.”