Atom bank slashes commercial mortgage rates by up to 0.62%

12 February 2026

Atom bank, the UK’s top-rated bank on Trustpilot, has reduced rates across its commercial mortgage range by up to 0.62%.

The rate reduction means SME borrowers enjoy even greater value when working with Atom bank, as the bank continues with its mission to support small businesses across the UK.

On average, there are reductions of 0.30% for trading businesses and 0.20% for commercial investment deals.

For trading businesses and commercial investment deals, rates have been reduced by between 0.15% and 0.62%, whilst for trading businesses borrowing through the Growth Guarantee Scheme, rates on both variable and fixed rate products have dropped by 0.30%.

The rate reduction follows the introduction earlier this month of a 0.25% rate discount for business borrowers with a debt service coverage or interest coverage ratio of 200%

Business borrowers benefit from bespoke pricing when working with Atom bank, with rates calculated based on the specific circumstances of the individual borrower.

Brokers can obtain an indicative quote within a matter of moments, through the Quick Quote tool on the Atom bank portal.

Delivering for business borrowers

The Atom bank commercial mortgage team has celebrated a series of significant achievements in recent months.

It started 2026 by passing the milestone of holding £1 billion of commercial mortgages on its balance sheet, while at the end of last year it completed its largest ever Scottish transaction and landed a handful of awards at the National Association of Commercial Finance Brokers (NACFB) annual awards.

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

“At Atom bank, we believe that fair, transparent pricing is the most powerful tool we have to support the UK’s SME community. By reducing our rates, we aren’t just offering a better deal; we are intentionally driving competition in a market that has long needed it. Our goal is to prove that business borrowers don't have to choose between competitive pricing and strong service levels - at Atom, they get both.

This latest rate reduction, alongside our new discounts for high-quality cases, reinforces our commitment to providing SMEs with the sustainable, low-cost funding they need to thrive. We’ve listened to our broker partners, and by combining these sharper rates with a streamlined digital process, we are ensuring that certain, high-value outcomes are more accessible than ever for British businesses.”