Atom bank delivers 36% of Near Prime applications to full mortgage offers on the same day throughout June

04 August 2026

Atom bank, one of the UK’s highest rated banks on Trustpilot*, has set a new internal record with 36% of all Near Prime mortgage offers delivered on the same day throughout June. This has surpassed the previous record, set in May, when 33% of Near Prime offers were issued on the same day.

The Near Prime offer speeds were even more impressive than Prime offers, where 25% were issued on the same day in June. Historically, non-prime cases were expected to take longer across the industry, due to the perceptions of greater complexity, but Atom bank has focused on implementing a process which ensures it’s possible for both Prime and Near Prime borrowers to enjoy the same market-leading speeds.

The bank is continuing to see speed improvements, having delivered same-day offers for 41% of Near Prime applicants during the week of 20th to 26th July.

As well as looking to speed up offer timelines in the Near Prime market, Atom bank has introduced a new tier of products available at up to 95% LTV, designed for borrowers with light adverse or simply ‘thin’ credit files who may be turned down by high street banks.

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

“Slow turnaround times for those with imperfect credit cases have been treated as an inevitable reality in our industry, but we refuse to accept that as the norm. By streamlining how we work, we’ve shown that Near Prime borrowers don’t have to settle for delays, and we are getting faster too, delivering same-day offers for 41% of Near Prime applications during the penultimate week of July.

“Whether it’s Prime or Near Prime borrowers, lenders must recognise that it’s not enough to rely on an eye-catching rate. Brokers and their clients want lenders who can combine competitive pricing with flexible criteria and a smooth, stress-free process. Atom bank has built a reputation for delivering all three.”