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.
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 20 December 2024
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:
| Type | History | Value | Notes |
|---|---|---|---|
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
Residential Mortgages Rate Table
Updated 20 December 2024
Direct Debit Script
Updated 7 May 2024
Can’t find what you’re looking for?
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