Straightforward commercial property finance
We help UK SMEs across a range of sectors to thrive with commercial mortgages up to £10m.
Our products
Commercial Owner-Occupied Mortgage:
Min loan:
£250,000
Max loan:
£10,000,000
Max LTV:
75%
Repayment terms:
2-25yr
Fees:
2%
Rates:
Fixed or Variable
Commercial Investment Mortgage:
Min loan:
£250,000
Max loan:
£10,000,000
Max LTV:
75%
Repayment terms:
2-25yr
Fees:
2%
Rates:
Fixed or Variable
What makes Atom different?
We've been using technology and automation since 2016 to support SMEs getting access to commercial property finance.
Excellent value for you and competitive rates for your customers
We offer a 1.50% procuration fee for new to bank business. Paired with our transparent, risk-based pricing, it’s easy to see we’re delivering value to you and your customers.
Easy to apply on behalf of customers using our Portal
Our aim is to make applying on behalf of your customer as easy as possible. From creating instant, indicative quotes with our Quick Quote tool to constantly improving our broker journey and processes, we’re committed to delivering a best-in-class broker experience.
Discover the Portal
We work exclusively with brokers and support them
We recognise the incredibly important role brokers play in business finance and that’s why we only offer our product through you for new business. When you place your application with us you’ll also be supported by our dedicated support team of BDMs and TBDMs.
Meet the team
Lending Standards Board
We’re proud to be registered with the Lending Standards Board. This means we’ve adopted the standards they’ve set out to ensure fair customer outcomes, going beyond what is expected by the regulator. They set the benchmark for good business lending and provide robust oversight, monitoring adherence to their standards.
Learn more
Flexible criteria and dedicated underwriters
We aim to accommodate a wide range of businesses at different stages of growth, with our lending criteria providing for a diverse range of sectors. Our underwriting team recognise each business is different and will look at the merits of each application on an individual basis.
Read our lending criteria
