Near prime mortgages with Atom
Available up to 90% 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
£2,500 unsatisfied cap for defaults and £1,000 for CCJs per applicant
No credit scoring
We check the affordability and adverse limits
Same income multiples as Prime applications
For some customers, we’re able to lend up to 6x income
We don’t do tiered or risk based products
A simple range of mortgages designed to benefit your customer
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 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.
Purchase
Remortgage
No product fee
With product fee
Term
2 Year Fixed
Early repayment charge until
Tue Aug 31 2027
Initial Rate
5.89%
SVR Rate
6.99%
APRC
7%
Term
3 Year Fixed
Early repayment charge until
Thu Aug 31 2028
Initial Rate
5.69%
SVR Rate
6.99%
APRC
6.8%
Term
5 Year Fixed
Early repayment charge until
Sat Aug 31 2030
Initial Rate
5.44%
SVR Rate
6.99%
APRC
6.5%
Residential Mortgages Rate Table
Updated 15 April 2025
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 13–36 months Unlimited over 36 months | Value Maximum of £1,000 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 4 November 2024
Residential Mortgages Rate Table
Updated 15 April 2025
Direct Debit Script
Updated 7 May 2024
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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