Atom has launched various near-prime merchandise with charges from 5.09%.
The deals include a £1,500 association payment and can be found at as much as 90% loan-to-value.
The vary consists of each buy and remortgage deals.
Two-year fixes begin from 5.09%, whereas three and five-year deals are from 5.24%.
Borrowers who take out Atom’s near-prime deals can be provided a primary fee at maturity if they’ve sufficiently improved their credit score place.
The lender says 70% of debtors on near-prime deals that matured over the previous yr went on to qualify for a primary fee.
Atom head of mortgages Richard Harrison says: “This new vary of merchandise are certain to be welcomed by brokers and their near-prime shoppers.
“The greater association payment opens up decrease rate of interest choices for patrons, notably these borrowing greater mortgage quantities.
“Atom is set to supply larger option to those that could have skilled a brief credit score blip up to now however need to increase finance for both a property buy or remortgage.”
Atom trimmed near-prime charges twice in June.
