Atom bank passes £1 billion of commercial mortgages on balance sheet

13 January 2026

Atom bank, the UK’s top-rated bank on Trustpilot, has surpassed the £1 billion mark for commercial mortgages on its balance sheet.

The milestone was reached this week, and reflects the consistent growth delivered by the commercial lending team, with balances growing 24% year-on-year in the past 12 months.

Passing the £1 billion milestone is the latest in a series of significant achievements made by the Atom bank commercial mortgage team. The final three months of 2025 saw it set a new record for commercial mortgage offers, which was achieved with a month still remaining within the quarter.

Atom bank also completed its largest ever Scottish transaction at the tail end of 2025, worth almost £6 million, while also landing a handful of awards and commendations at the National Association of Commercial Finance Brokers (NACFB) annual awards.

The bank was highly commended in the Commercial Mortgage Lender and Underwriting Team of the Year gongs, while Natalie Cockburn won Unsung Hero of the Year and Guy Olden landed the Rising Star of the Year trophies.

Last year saw Atom bank make a series of significant enhancements to its commercial lending proposition, helping to drive the £1 billion balance sheet milestone. Improvements included introducing a simplified stressed interest rate, developing the Better Buildings programme where energy efficient properties qualify for a rate discount, and enhancing its Growth Guarantee Scheme proposition.

Tom Renwick, Head of Business Lending at Atom bank, commented:

“Surpassing £1 billion of commercial lending on our balance sheet is an important milestone, and demonstrates the impact Atom bank has made in this market, developing from a start-up challenger to a genuine player in the commercial space. We have consistently invested in our technology to ensure brokers and their clients enjoy a faster, easier and more transparent experience, and this growth shows how those improvements have struck a chord with the intermediary community.

“To have achieved this milestone while maintaining strict credit discipline is unquestionably impressive. We have hit this figure by staying true to our core purpose of supporting quality SMEs, often overlooked by high street lenders, but who have the drive and insight to make their plans a reality.

“Atom bank’s commercial team has enjoyed an outstanding few years but we have no intention of resting on our laurels, and will continue to invest in the people and technology needed to bring our offering to a wider group of SMEs.”