Atom bank reduces Prime mortgage rates once again

09 July 2026

Atom bank, one of the UK’s highest rated banks on Trustpilot*, has made further rate reductions across its entire Prime mortgage range, alongside introducing new fee options for 95% LTV products.

With immediate effect, rates on Prime products available up to 90% LTV have been reduced by 0.15%, while existing fee-free 95% LTV options have fallen by 0.20%. Alongside these reductions, Atom bank has introduced a new suite of products, available at up to 95% LTV, with a £900 fee.

As a result of the reductions, Prime rates start from 4.99% for both 2 and 3-year fixed rate products up to 85% LTV, with a £900 fee.

This is the third series of rate cuts on Atom bank’s Prime range within a month, highlighting the bank’s commitment to providing great value to brokers and borrowers. It also follows the introduction of a new tier of Near Prime products, available at 95% LTV, in response to broker feedback citing the need for more small deposit options in this area of the market.

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

“Three rate reductions within a month sends a clear message; Atom bank has a strong appetite to lend, particularly at the higher LTV brackets. These cuts, alongside introducing a selection of products at a new fee tier, mean brokers have even more competitive options available for their Prime clients.

“We are combining that value with market-leading speeds, delivering a faster, smoother and great value experience to brokers and borrowers.”