Atom bank has returned to lending with a range of remortgage and home mover deals up to 80 per cent loan-to-value.

The digital lender is not yet offering deals for first-time buyers.

At the end of March, Atom temporarily withdrew their products but continued to offer product transfers.

These are currently still available up to a maximum of 95 per cent LTV.

The lenders new products for remortgage start at 1.52 per cent for a two-year fixed or 1.64 per cent for a five-year fixed at 60 per cent LTV with no fee. 

At 80 per cent LTV remortgage rates start at 1.87 per cent for a two-year fixed or 2.04 per cent for a five-year fixed with no fee.

For home movers, rates start at 1.74 per cent for a two-year fixed or 1.89 per cent for a five-year fixed at 60 per cent LTV.

At 80 per cent LTV home movers pay 2.29 per cent for a two-year fixed or 2.39 per cent for a five year fixed also with no fee.

Director of intermediary lending David Castling says: “We’ve taken a considered and phased approach with our mortgages and feel now is the time to get back in the mortgage market.

“We’ve been supporting businesses during the pandemic as one of a small number of banks to offer secured loans to new and existing customers through the Government-backed Coronavirus Business Interruption Loan Scheme. 

“But now we’re ready to help customers move into, or stay in, their dream homes.”