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Atom Bank tops £1bn commercial mortgages lending

20 ianuarie 2026

Digital challenger bank Atom now has more than £1bn of commercial mortgages on its balance sheet.

The Newcastle-based lender said the „important milestone” had come off the back of work delivered by its commercial lending team, with balances growing 24% year-on-year in the past 12 months. Atom said the final three months of 2025 saw it set a new record for commercial mortgage offers, which was achieved with a month still remaining within the quarter.

Tom Renwick, head of business lending at Atom bank, said: „Surpassing £1bn of commercial lending on our balance sheet is an important milestone, and demonstrates the impact Atom bank has made in this market, developing from a start-up challenger to a genuine player in the commercial space.

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Atom bank is the UK’s highest rated bank on Trustpilot. The bank launched operations in April 2016, offering residential mortgages and savings through its app, alongside commercial mortgages for small and medium-sized enterprises. Based in the North East of England, the bank has a team of over 550 people.

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