Near prime mortgages with Atom

Explore our fee-free range with cashback options available on selected products. And enjoy the same excellent service as you receive with Prime applications.

Why choose a Near Prime mortgage for your customer?

Generous adverse policy

£1,000 unsatisfied cap for defaults and CCJs per applicant

No credit scoring

We check the affordability and adverse limits

Straightforward lending policy

Our policy isn’t hampered by lots of T&Cs

We don’t do tiered or risk based products

A simple range of mortgages designed to benefit your customer

Great incentives

Fee-free range with free valuations and legals, as well as cashback offers

Fast, efficient service

Our automated process delivered a quicker turnaround time

Latest Near Prime rates

You’ll find our current Near Prime rates below. They’re subject to change so be sure to check back regularly to get the most up to date information. If you’d like to secure these rates for a customer, log in and start an application now.

60% LTV

Term

2 Year Fixed

Early repayment charge until

Wed Mar 31 2027

Initial Rate

5.99%

SVR Rate

6.99%

APRC

7%

Term

3 Year Fixed

Early repayment charge until

Fri Mar 31 2028

Initial Rate

5.79%

SVR Rate

6.99%

APRC

6.8%

Term

5 Year Fixed

Early repayment charge until

Sun Mar 31 2030

Initial Rate

5.59%

SVR Rate

6.99%

APRC

6.5%

Residential Mortgages Rate Table

Updated 04 December 2024

Download

Who is eligible for a Near Prime mortgage?

For a customer to be eligible for one of our Near Prime products, they must meet the following criteria:

TypeHistoryValueNotes
Type
CCJs
History

0 in the last 12 months

4 in 13–24 months

Unlimited over 24 months

Value

Maximum of £2,500 total combined value of unsatisfied CCJs per applicant

No limit if satisfied

Notes
Assessed independently from defaults
Type
Defaults
History

0 in the last 12 months

4 in 13–24 months

Unlimited over 24 months

Value

Maximum of £2,500 total combined value of unsatisfied defaults per applicant

Additional £500 of unsatisfied for mail order, communications and utilities

No limit if satisfied

Notes
Assessed independently from CCJs

You can find full details on who is suitable for these products in our Near Prime eligibility criteria.

Near Prime documentation

Application Amendment Form

Updated March 2019

Download

Residential Mortgages Rate Table

Updated 04 December 2024

Download

Direct Debit Script

Updated 7 May 2024

Download
See all documentation

Frequently asked questions

See all FAQs

Can’t find what you’re looking for?

If your unable to find the information you’re looking for, please contact us directly.

Get in touch