Shared Ownership rates now start from 4.24%, up to 95% loan to share.

Three-year remortgage fixed rate now at 4.44% with £500 cashback option.

The announcement follows the launch of Portfolio Edge, a dual-structured term and bridging facility for landlords.

The average LTV for new first-time buyer mortgages in England rose from 74.7% to 77.1% between Q1 2024 and Q1 2025.

400,610 mortgage searches took place in the week before the 19 June decision

The lender projects a 10–15% increase in affordability using interest only over 30 years

The updated range supports up to 75% LTV, up from the previous 70% cap

The commercial mortgage launch adds to the lender's existing bridging and buy-to-let services

More than 70% of Atom's Near Prime customers have qualified for a Prime product over the past 12 months.

Renters are tightening their budgets as mortgage costs continue to climb.