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Accord Mortgage Reviews

Accord Mortgages are a subsidiary of the Yorkshire Building Society. Unlike other mortgage lenders in the UK, you can only access their mortgage deals via a mortgage broker.  Accord Mortgages offer an extensive range of mortgages and though it may seem off-putting to require a broker, there are great deals to be had. To find out if you’ll get a better deal with this lender, compare Accord mortgages with Quotezone’s independent comparison tool.

Are Accord Mortgages reviews good?

Which? customers give Accord Mortgages 5 out of 5 stars for their value for money and also rate them highly on customer service. They receive average ratings for online accessibility and flexibility of payments.

Existing customers often mention in reviews that they are able to increase their borrowing easily with Accord, allowing them to carry out work and improvements on their new home.

How long does it take to get a mortgage with Accord?

You will need to use a mortgage broker to arrange your mortgage with Accord.  On average it takes less than two weeks to get a mortgage approval from them.

Does Accord accept applicants with poor credit for their mortgages?

If your credit rating isn’t tip-top, Accord Mortgages might be a good lender to try because you have to approach them via a mortgage broker.  A broker will be able to present them with the full picture of your financial situation, in a way that you might not be able to if you went directly to a high street lender.

Customers indicate that they were able to secure mortgages of 85% or below with Accord, with certain credit issues. Please note that you’re unlikely to secure a mortgage if there have been CCJ’s or arrears in the past six years.

What type of mortgages does Accord Mortgages offer?

It’s not easy for a personal customer to find out what Accord has on offer since they require a mortgage broker to arrange your deal.  

They do, however, cover all the typical mortgage options, including first time buyer and buy-to-let mortgages, along with mortgages for those moving on to their next home or looking to remortgage. Help to buy, new build, offset and contractor mortgages are also available.

Accord offer fixed or variable rates on their mortgages. 

It is a good idea to compare Accord mortgages with other providers using our comparison tool.

How much can I borrow from Accord?

Like other mortgage lenders, Accord Mortgages will calculate how much they are willing to lend you based upon your annual income. If you earn in excess of £60,000 a year, they will allow you to borrow up to 5 times that amount.  If you earn under that level, they will multiply your income by 4.48.

Are you allowed to make overpayments on Accord mortgages?

Yes.  If this is something you’re keen to do, ensure your broker finds you one of their deals that allow you to overpay by up to 10%.

Your broker may also be able to negotiate one of their portable mortgages for you as this may prevent you from incurring charges if you move.

It is a good idea to check Accord mortgage reviews to get a clear picture.

What mortgage terms are available with Accord?

Depending upon your age, you can get up to a 40 year term with repayment needed by the time you reach 80.

If you’re ready to find a mortgage or switch to a better deal, compare Accord mortgages now.