Atom bank has announced a 0.25% reduction across its fixed rate standard commercial mortgage range.

From today, new applicants will benefit from reduced pricing on both commercial investment and owner-occupied mortgages.

Fixed rates now begin at 5.88% for investment properties and 5.68% for owner-occupied premises, for loans at or below 45% loan-to-value.

In addition, borrowers seeking loans between £1 million and £4 million will benefit from a further 0.25% discount.

The digital lender said the rate cut was made in response to broker feedback and forms part of its continued push to improve its commercial proposition, having already implemented changes to its stressed interest rate and pricing models earlier in the year.

Tom Renwick, head of business lending at Atom bank, said: “Atom bank will always act wherever possible to provide brokers and their clients with better value. This rate reduction applies to our property investment and trading commercial mortgage fixed rates, and means businesses can benefit from the security of a fixed rate, and at a lower cost.

“We know that supporting businesses is about more than just rate however, which is why we have spent so much time and effort streamlining our processes.

“That journey, coupled with the great value provided by our products, is helping Atom become a go-to lender in the commercial space.”

TURNAROUND TIMES

Atom has also reported strong operational performance in 2025, with an average turnaround time of one working day for issuing an Agreement in Principle from the point of receiving a fully packaged application. Full mortgage offers are typically issued within six working days thereafter.