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13-day submission time

That's 3 days faster than the average of 25 lenders we measured.

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Borrow 5x your income

You could borrow up to this amount if you meet the lender's requirements.

About Accord

Accord Mortgages was founded in 1987 as part of the Yorkshire Building Society Group, the third-largest building society in the UK. (1)

Specialising in providing mortgage products via a network of brokers, Accord takes a common-sense approach to its applicants. This often results in mortgage deals being approved even when their lending criteria aren’t strictly met. 

Accord Mortgages are available to many people with residential and buy-to-let mortgage rates.

The lender has won numerous awards over the years, including the ‘best lender for discount mortgages’ in the Moneywise Mortgage Awards 2019. (2)

In this review we'll cover:

Compare Accord mortgages

Compare Accord mortgages and see how your monthly payments would change depending on the initial period, total mortgage length, your deposit and how much you want to borrow.

After you choose an Accord mortgage deal, one of our expert mortgage brokers can check whether you're eligible and help arrange the mortgage for you.

Your home may be repossessed if you do not keep up repayments on your mortgage.

New mortgage
Your loan to value is 60.00%

Is Accord Mortgages a good mortgage lender?

There are many ways to measure how good a lender is. We've chosen to focus on publicly available complaints data to estimate their quality of service.

We looked at Accord Mortgages’ customer complaints record between July and December 2018. During this period, the Financial Conduct Authority (FCA) received 563 officially upheld complaints.(3) That’s around 0.14% of customers, which is slightly higher than the 0.126 average across the major lenders*.

*The number of customers served by this lender isn’t publicly available, so we’ve estimated this figure based on market share and average house price in the UK.

How long does an Accord Mortgage application take?

Over the last six months, Accord Mortgages took an average of 13 days to process a successful mortgage application for Trussle customers. That’s quicker than the 16-day average across all the lenders we’ve submitted applications to.

Bear in mind that your application speed will vary depending on your circumstances and the lender’s present day-to-day performance. In some cases, applications can be approved by the lender within 24 hours, while some can take weeks or even months. This can also be affected by the quality of the application you submit. Because of this, the average quoted speed may not reflect your own experience.

How much can I borrow from Accord Mortgages?

The amount you can borrow for a mortgage can vary. For those with an income over £60,000 Accord Mortgages offer a maximum of 5x income before tax, and it’s a maximum of 4.48x for those with an income below £60,000.

How much you can borrow is also subject to a review of your outgoings.

A mortgage calculator on their site can give you an estimate of how much you may be able to borrow.

These details were last updated in August 2019.

Accord mortgage calculator

Calculate how much mortgage you could borrow from Accord. Explore what your Accord mortgage payments could be.

How much can I borrow?
Mortgage repayment calculator

Your home could be repossessed if you don't keep up repayments on your mortgage.

Talk to a mortgage broker or lender to get a more accurate remortgage savings amount.

You could borrow up to:

Loan to value (LTV):00%
Including your deposit, you could afford a house price up to£000,000
Other fees you may have to pay:
Broker fee(free with Trussle)
Additional fees(learn more)

Next steps

If you're ready to get a mortgage, the next step is to answer a few more questions. Then a Trussle adviser will find the best mortgage deal for you.

Your home could be repossessed if you don't keep up repayments on your mortgage.

Talk to a mortgage broker or lender to get a more accurate remortgage savings amount.

Frequently asked questions (FAQs)

This information was last updated in August 2019

You’ll find a number of options for mortgages with Accord. These include offset, fixed-term and tracker mortgages for residential and buy-to-let mortgages. 

As Accord provides mortgages for intermediaries, your broker will help you choose the right product for your circumstances.


With an offset mortgage you save money in an offset savings account. Instead of earning interest, it reduces the interest paid on the mortgage. As such, your options are:

  • Net payment to reduce current mortgage repayments

  • Gross payment to reduce future mortgage repayments

  • Static payment to reduce the term of the mortgage


Fixed-term mortgages keep the same repayments for a fixed period. Fixed rates are ideal if you want to know your outgoings for certain, so that you can make other financial plans. You can choose a fixed term to last two, three, five, seven or ten years.


A tracker mortgage means your mortgage will have a variable interest rate, based on the base rate of the Bank of England plus an additional percentage.

Yes, interest-only mortgages are an option for both new and existing customers.

Accord will help reduce the costs to first-time buyers by:

  • Giving up to £750 cashback on completion of the mortgage

  • Offering free standard valuation

  • Selected product deals have no product fee

Accord will help reduce the costs to first-time buyers by:

  • Giving up to £750 cashback on completion of the mortgage*

  • Offering free standard valuation

  • Selected product deals have no product fee

*Subject to availability

Accord only lends through brokers, so your first step should be to contact a mortgage adviser. They will guide you through the Accord mortgage approval process and can help you to complete the necessary paperwork.

Usually, your mortgage offer is valid for six months, although it can be extended and revised. A revised offer may be available for a further six months on new build properties. Doing this shouldn't require you to pay any fees again.

If the offer expires and you still wish to proceed with your purchase, you will have to restart the process.

Accord offers mortgage terms of anything between 5–35 years.

When the deal ends, your mortgage will be moved onto Accord’s Standard Variable Rate (SVR). This may mean your repayments increase.

It is well worth looking at Accord’s other deals. These can be reserved up to 90 days before your current arrangements ends. Changing a deal is usually a simple process for existing customers with no credit check, house valuation or solicitor required.

If you have an inheritance, bonus or another unexpected windfall, you may want to make an overpayment on your mortgage. Unless otherwise stated, Accord allows you to overpay up to 10% of the outstanding balance each year without an early repayment charge.

Your broker can carry out the mortgage application online. Once you have a mortgage with Accord, you can register for online services. This allows you to log in to see your transactions and mortgage statement.

If you think Accord charged you PPI (Payment Protection Insurance) in the past, it's worth getting in touch with them to find out. However, the deadline to make a claim was the 29th August 2019, so you may no longer be able to claim.

Accord does not currently offer this or any other insurance products.

As a lesser-known name, it is common to wonder who Accord Mortgages are. The parent company of Accord Mortgages is the better known Yorkshire Building Society.

During the application process, your broker will handle communication with Accord.

The Accord Mortgages contact number for customers is 0345 1200 872.

Accord is keen for your communication to be directed to the appropriate team. Their website includes a contact section with the relevant team’s contact details.

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Get a mortgage with Trussle today

  • Our customers save an average of £310 a month on their mortgage*

  • Trussle is fee-free for most customers**

  • 5-star Trustpilot rating from over 5,000 reviews

  • 12,000 mortgage deals from 90 lenders

  • Skip the paperwork: apply online any time

*The savings figure is from Trussle mortgage customers in August 2022. **You may have to pay a fee depending on your circumstances and credit history. Learn more.

Your home could be repossessed if you don't keep up repayments on your mortgage.

You may have to pay an early repayment charge to your existing lender if you remortgage.

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Deal and rate data were sourced by Trussle. All other information was sourced from Accord’s website unless referenced below.