Atom bank cuts rates on Prime mortgage range again

02 July 2026

Atom bank, one of the UK’s highest rated banks on Trustpilot*, has reduced rates across its Prime mortgage range for the second time within a matter of weeks.

Rates have been reduced by 0.15% across the Prime mortgage range. The cuts follow an earlier 0.15% reduction in the middle of June.

As a result of the reductions, rates start at 5.14% for two- and three-year fixed rates at up to 85% LTV, with a £900 Product fee. For five-year fixes, rates start at 5.19%.

The latest Prime rate reductions follow Atom bank’s introduction this week of Near Prime products at 95% LTV, alongside a rate cut of 0.10% on its existing range of Near Prime mortgages.

The combination of rate reductions and product innovations demonstrate Atom bank’s commitment to delivering competitively priced mortgages to residential borrowers, including those with an imperfect credit rating or modest deposit.

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

“Reducing our Prime rates twice within just a couple of weeks is a great example of our determination to provide great value to brokers and borrowers.

“Enhancing our Prime range in this way, just days after launching our 95% LTV Near Prime proposition, highlights our ability to support a wide range of borrowers. We will continue to combine that innovative spirit with great rates and the market-leading speeds for which we have become known.”