The app-based bank said it was one of the first to introduce the scheme which comes after data from PWC suggested there may be up to 14 million people in the UK with less than perfect credit history struggling to access credit from mainstream lenders. This is despite the fact they may only have minor blemishes on their credit file.

Atom said its new deals would support those hoping to get a mortgage application underway before the stamp duty holiday begins to taper at the end of the month.

The new package is open to both new and existing customers – whether they are first-time buyers or homeowners looking to remortgage. Atom Bank promised it would offer those with financial indiscretions support and guidance.

Paul Elliott, head of mortgages, at Atom said: “In the majority of high-street banks, mortgage applications are rejected when customers have less than perfect credit.

“It can be incredibly difficult, especially in the current housing market for borrowers with anything slightly less than perfect credit to get on the property ladder.

“We’re delighted to be able to offer our competitive rates, help and advice to these customers and give more people in the UK the opportunity to become homeowners.

“It’s important to us that we extend the availability of credit within the UK lending market for those wishing to own property.

“We work with independent brokers who offer unbiased advice to customers, saving time and effort in the application process.”

Atom said, as an app-based bank, once an application is approved its customers can track the progress of their mortgage securely and in real time on the app – offering full transparency on the process to give users peace of mind.