For 95% LTV products the minimum loan size is £100k and the maximum loan size is £300k.

Mortgages are not available to self-employed applicants nor on flats.

Paul Elliott, head of mortgages at Atom said: “We’re delighted to be offering truly competitive rates on our 90% and 95% mortgages, to help home buyers ahead of the fast-approaching stamp duty cost increase.

“We are proud that we can help both first-time buyers and those wishing to move, ensuring that our valued customers are getting great rates, on what for many, will be their first mortgage.”

Since its launch, Atom has lent over £2.8bn to UK mortgage customers.