Atom bank has supported an experienced residential property investor’s move into the commercial market with a £3m commercial mortgage, as demand grows from landlords seeking to diversify portfolios.
The investor, who already holds a large residential portfolio, identified opportunities in the North West’s warehouse and wholesale trading sector as part of a strategic expansion into commercial property.
The case was introduced by Aquilae Capital Advisory, with the transaction structured to reflect the specific characteristics of the asset and sector.
Atom bank said the deal highlights a wider trend of residential investors exploring commercial opportunities, particularly where stronger returns and diversification benefits are available.
Neil Findlay, regional business development manager at Atom bank, said: “We are seeing residential property investors looking more seriously at adding commercial properties to their portfolios, whether it’s to diversify or on account of the higher returns achievable.
“However, not all commercial assets are the same, which is why it’s crucial for brokers to work with lenders who can demonstrate experience and understanding of specific sectors within the commercial space.
“This case is a great example of that, and our knowledge of the warehouse and wholesale trading sector was key to delivering the right package to the client.”
Matthew Yassin, managing director of structured finance at Aquilae Capital Advisory, said: “What really stood out in this deal was Atom bank’s deep understanding of this part of the market.
” Throughout our conversations with Neil and the underwriting team, they concentrated on the key aspects and showed a real grasp of the asset.
“They recognised the individuality of the deal and focused on the areas that mattered most. In a market where delivery is everything, Neil and his team truly went the extra mile for my client.”
The deal follows a strong end to the year for Atom bank’s commercial lending team. The lender said it has set a new internal record for the value of commercial mortgage offers during the October to December 2025 quarter, with a month remaining.
As of 12th December, the value of offers is already more than 7% higher than the previous quarterly record set in Q3 2025, with October also marking a new monthly high.
