Atom bank reduces rates on Prime mortgage range

19 June 2026

Atom bank, one of the UK’s highest rated banks on Trustpilot*, has reduced rates across its Prime mortgage range.

Reductions of 0.15% are being applied across all of Atom bank’s Prime range, encompassing products up to 95% LTV, and both fee-charging and fee-free options. The reductions apply with immediate effect, and mean that rates start at 5.29% for a two-year fixed rate at 0-85% LTV, with a £900 fee.

The Prime rate reductions come a week after Atom bank reduced its entire Near Prime range by 0.10%, and reflects the lender’s commitment to providing brokers and borrowers with competitive options, irrespective of their credit rating.

Richard Harrison, Head of Mortgages at Atom bank, explained:

“Atom bank has built a reputation for providing our borrowers with great value for money, and that comes from reducing rates whenever circumstances allow. Just as with our recent Near Prime cuts, these latest reductions apply across the entire Prime range, ensuring that all prospective borrowers will benefit, no matter their deposit or equity size.

“The combination of competitive rates with market-leading speeds and a transparent process is helping us set the bar for what the next generation of lenders can achieve, which was reflected in the fact we were named Best Digital-First Lender in the Smart Money People Mortgage Lender Benchmark H1 2026.”