Atom bank, in partnership with Aquilae Capital, supports expanding investor with £1.75m commercial mortgage

10 July 2026

Atom bank, one of the UK’s highest rated banks on Trustpilot*, has supported an experienced property investor with a £1.75 million commercial mortgage, allowing them to expand their portfolio.

The case was introduced by Jeremy Robinson, director of Aquilae Capital Advisory, with the loan secured against a light industrial unit on the London/Essex border, at 60% LTV. The deal has allowed the borrower to release capital to support the acquisition of further light industrial units, with exchange due to take place imminently on the first of these purchases.

Recent enhancements

Atom bank has made a succession of enhancements to its commercial proposition in recent months, including introducing a rate discount for high debt service cover cases and reducing its minimum loan size to £100,000.

The bank has also launched a special offer to boost its procurement fees for a limited period. Atom’s procurement fee is now 1.75% for all commercial lending applications submitted from 8th June until 30th September. There will be no changes to the overall 2.00% arrangement fee charged to borrowers, with Atom’s retained portion reducing instead.

This comes alongside a new and improved discount for large loans. There is a 0.40% rate reduction for loans between £1m and £3m, as well as a 0.25% rate reduction for loans above £3m up to £10m.

Neil Findlay, Regional Business Development Manager at Atom bank, commented:

“Experienced investors are looking again at expanding their portfolios, but in order to do so they need support from lenders who truly understand this market. Atom bank has a great reputation for our expertise within specific sectors of the commercial space, including industrial properties, and our ability to deliver bespoke funding based on the individual client’s circumstances.”

Jeremy Robinson, director of Aquilae Capital Advisory, added:

“We are already engaged with the client on a further transaction and look forward to working with them again to support their continued growth of their property portfolio and wider investment ambitions. Atom bank was the perfect partner for this case, taking the time to understand what the client was looking to achieve and deliver a really competitive fixed rate and a structure that worked brilliantly for the client.”