Near Prime mortgages with Atom
Available up to 95% LTV with fee and fee-free options available. And, enjoy the same excellent service as you receive with Prime applications.
Why choose a Near Prime mortgage for your customer?
Generous adverse policy
Up to £2,500 unsatisfied cap for defaults and up to £1,000 for CCJs per applicant
High loan to value
We offer up to 95% loan to value products
Same income multiples as Prime applications
For some customers, we’re able to lend up to 6x income
Same day offers
For some customers, offers will be issued on day of application
Gifted deposits welcomed
We’ll even accept gifted deposits and gifted equity from non-family members, such as housebuilders and landlords
Fast, efficient service
Our automated process delivers 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.
Term
2 Year Fixed
Early repayment charge until Wed Jan 31 2029
Initial Rate
5.74%
SVR Rate
6.99%
APRC
6.7%
Product fee
£0
Term
3 Year Fixed
Early repayment charge until Thu Jan 31 2030
Initial Rate
5.74%
SVR Rate
6.99%
APRC
6.6%
Product fee
£0
Term
5 Year Fixed
Early repayment charge until Sat Jan 31 2032
Initial Rate
5.64%
SVR Rate
6.99%
APRC
6.4%
Product fee
£0
Residential Mortgages Rate Table
Updated 03 September 2026
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:
CCJs
| Product | History | Value | Notes |
|---|---|---|---|
Product Near Prime up to 90% | History 0 in last 12 months Max of 4 in total | Value The CCJs must either be satisfied in full or have a total combined value of £1000 or less. The value is based on the original judgement, not the current balance | Notes Assessed independently from defaults |
Product Near Prime 95% | History 0 in last 36 months 1 in last 37 months-72 months | Value The CCJs must either be satisfied in full or have a total combined value of £500 or less. The value is based on the original judgement, not the current balance | Notes Assessed independently from defaults |
Defaults
| Product | History | Value | Notes |
|---|---|---|---|
Product Near Prime up to 90% | History 0 in 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 Any unsatisfied defaults older than 24 months will be included in the combined value of £2,500 Additional £500 of unsatisfied for mail order, communications and utilities No limit if satisfied | Notes Assessed independently from CCJs |
Product Near Prime 95% | History 0 in the last 12 months 1 in the last 13 months-36 months Unlimited over 36 months | Value Maximum of £500 total combined value of unsatisfied defaults per applicant 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 4 November 2024
Residential Mortgages Rate Table
Updated 03 September 2026
Direct Debit Script
Updated 1 September 2025
Can’t find what you’re looking for?
If your unable to find the information you’re looking for, please contact us directly.
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