Commercial mortgages

Our commercial mortgages are straightforward and transparent, designed to help you get the funding you need to run your business to its full potential.

Talk to an intermediary about our secured loans to see if we’re right for you.

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Why choose Atom to help your business grow?

Straightforward commercial mortgage products and lending criteria.

Transparent pricing - no haggling, no hidden fees.

We assess all the applications individually and your broker has direct access to our underwriters.

Brokers can advise you on the best lending products available on the market, so you find the solution for your business — even if it isn’t with us.

What is a commercial mortgage?

A commercial mortgage is a loan that is secured against commercial properties or premises. There are different types of loans that are secured by a commercial mortgage, including:

Variable rate loan

Variable rate loans have an interest rate that tracks the movement of the Bank of England base rate. As this base rate moves up and down, so will your rate.

Fixed rate loans

Fixed rate loans feature an interest rate that is fixed over the term of the loan. Fixed repayments help with budgeting and knowing exactly what you will need to pay each month, allowing you to plan with confidence.

Our commercial mortgages

Our commercial mortgage lending criteria are easy to follow, so you’ll know from the start whether we can meet your needs. This helps to speed up our decisioning process, so you get your money as quickly as we can get it to you.

We consider a range of commercial property types, including commercial investment, commercial owner-occupied, semi-commercial and residential investment property, and we offer a maximum Loan-to-Value ratio (LTV) of 75%.

We offer:

Variable rate loans:

Variable rate based on index rate (Bank of England base rate) plus a margin for a period of time

Fixed rate loans:

Fixed rate will be over a 2 to 6 year term.

We can lend to:

Apply for a commercial mortgage if you're a limited company, limited liability partnerships (LLP), partnerships or a sole trader.

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Applying for a commercial mortgage

1. Find a broker

They’ll help you decide if Atom bank has the right type of lending product for you.

2. Your broker applies

They complete our quick and easy application form for you.

3. ID and verification

We do a precautionary ID check on you and your business — just to make things extra safe.

4. We get down to business

We assess your application, and the documentation you’ve supplied via your broker, and get back to them with a decision as soon as possible.

5. Decision time

We always want to deliver good news, but if we decline your application we’ll always try and tell you why.

Important documents and resources

Below, you'll find some of the key documents and resources you will need to refer to or submit when you apply for an Atom bank commercial mortgage.

Price list

Here, you'll find all of the essential costs incurred with your commercial mortgage, including application, management and early repayment charges.


Direct Debit Mandate form

Download this form to provide instruction to your bank or building society to provide payment to us via Direct Debit.


Product Switch Information pack

Interested in switching your loan with us to a fixed rate? This information pack will tell you everything you need to know before making a decision, as well as taking you through the next steps.


Statement of Lender and Borrower Responsibilities (SLBR) for business customers

This document outlines our commitment to you as a registered firm with the Lending Standards Board, as well as details of what we’ll ask of you as a business customer.



Looking for more information? You will find our secured loan FAQ below, and we also have our Business Banking (Secured Loan) T&Cs available to read.