Atom bank completes largest ever Scottish transaction
16 December 2025
Atom bank has completed a £5.7 million commercial mortgage, its largest ever deal in Scotland, in support of a Scottish based property company.
The loan relates to property in two major cities in Scotland, one in the Central Belt the other in the Highlands. Both properties provide high quality office facilities, multi storey and are in multi occupation, incorporating a wide range of occupiers from professional firms to national PLCs.
Atom’s appetite to support investors in commercial offices was key to the success of the case. The bank’s ability to provide a flexible approach in terms of lending against market value and at a higher loan to value was a significant differentiator from competitors, particularly the traditional high street lenders.
Pathway Commercial Finance, a specialist broker relating to commercial property, played a key role in ensuring the transaction was completed within expectation and with no issues arising.
It was overseen by Liam Brodie, Regional Business Development Manager at Atom bank, while Jacqui Fraser, Partner at Harper McLeod LLP, managed the legal elements for Atom.
Liam Brodie, Regional Business Development Manager at Atom bank, said:
“Atom bank is determined to support UK SMEs, particularly those who are underserved by larger lenders in the sector. We have a clear appetite for commercial property, and will look for constructive solutions to issues, rather than walking away from a deal that doesn’t fit the standard model. The size of this deal demonstrates the level of demand for quality commercial lending north of the border, as well as Atom’s ability to deliver on these needs.
“The combination of cutting edge technology, flexible criteria and the personal touch are what sets us apart in this market.”
Graeme Schmidt, founder of Pathway Commercial Finance, commented:
"Atom bank has delivered on this transaction as anticipated and exceeded expectations. The approach delivered by Atom ensured that the client's demand could be satisfied in a straightforward and timeous manner. The personal, relationship-based approach created the difference to ensure that the deal was concluded as anticipated and provided realistic mechanisms to ensure expectations were managed and the deal completed within the appropriate timeframe. We were also delighted with the approach adopted by Atom in dealing with the legal teams to ensure that the transaction concluded not only within the timeline set, but in a cost effective manner."
