“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”
– Neil Findlay – Atom bank
Atom bank has supported a property investor diversifying into the commercial space with a £3 million commercial mortgage.
The experienced investor has a large residential portfolio, but wanted to move into commercial property, having spotted opportunities in the North West’s warehouse and wholesale trading market.
The case was introduced by Matthew Yassin, managing director of structured finance at Aquilae Capital Advisory, who praised Atom bank for its understanding of this specific sector and ability to focus on the most pertinent issues.
The bank has had a strong end to 2025, setting a new internal record for the value of commercial offers in the final quarter from October to December 2025, with a month still to go. As of 12th December, offers are already up by more than 7% on the previous record, set in Q3 2025. Meanwhile, a new monthly record for the highest value of offers was set in October this year.
“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,” said Neil Findlay, regional business development manager at Atom bank.
“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.”
“What really stood out in this deal was Atom bank’s deep understanding of this part of the market,” noted Matthew Yassin, managing director of structured finance at Aquilae Capital Advisory.
“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.”
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