Accord Mortgages

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Last updated on 09 November 2020.

Accord Mortgages FAQ

Accord Mortgages is a subsidiary of Yorkshire Building Society. It offers mortgages through brokers and prides itself on helping brokers find great products and rates for their customers. As Accord only offers its products through brokers, as a consumer you won’t be able to access their mortgages unless you work with a mortgage broker yourself.

Can I research Accord’s mortgage products myself?

Yes, despite the fact that its mortgages are only available through brokers, it has a consumer website that allows borrowers to browse mortgage deals themselves.

What products does Accord Mortgages offer?

Yes, despite the fact that its mortgages are only available through brokers, it has a consumer website that allows borrowers to browse mortgage deals themselves.

  • Two year fixed rate mortgages: These mortgages allow borrowers to fix their interest rate for two years before the rate reverts back to the variable interest rate.
  • Three year fixed rate mortgage: These mortgage deals have a fixed rate for three years, before reverting to the variable rate.
  • Five year fixed rate mortgages: These are similar to two year fixed rate mortgages but the interest rate can be fixed for five years. The interest rate is generally less favourable than the two year or three year fixed rate.
  • Offset mortgages: These mortgages allow borrowers to move some of their savings into a special offset savings account. Instead of accruing interest, this cash is used to reduce the interest rate of your mortgage deal. Offset mortgages come with the added benefit of allowing borrowers to take their offset mortgage with them when they move house. They can also take payment holidays, overpay or underpay.
  • Interest-only mortgages: There is an option, with Accord, to only repay the interest on your loan, rather than the balance of the mortgage. However, there are a number of specific lending criteria that must be met to allow you to take this option.

What are Accord’s lending criteria?

For existing clients wishing to borrow more on their mortgage, there are several lending criteria, including:

  • You must have a mortgage with a term of at least five years and no more than 35 years.
  • You must have held your existing mortgage for at least six months already and not missed any payments.
  • You cannot take out a further loan for a term that exceeds the term left on your original mortgage.
  • Your home’s value must offer adequate security for the new loan and may be revalued.

For interest-only mortgages:

  • You must be able to show your repayment strategy for repaying the balance of the loan once the term is up.
  • You can only borrow up to 75 per cent loan to value.
  • Borrowing past retirement age is not permitted.

For those porting their mortgage to a new property:

  • Any extra borrowing is subject to Accord’s general lending criteria.
  • The term of the additional lending will be at least 5 years and no more than 35 years.

See Accord’s website for full details

Does Accord offer any special deals or products?

Accord’s Credit Repair Guarantee allows anyone to switch to one of its Transfer products after their current mortgage deal is up, regardless of their level of credit impairment when they took out the original mortgage. This is providing they have kept to their payment schedule on their mortgage for at least 24 months.

Services offered by this provider may change over time. Always check Ts&Cs.

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Koodoo is the trading name of Mortgage Power Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 845978), and is a registered company in England and Wales (company registration number 10978680), with a registered address at Scale Space, 58 Wood Lane, London, W12 7RZ

Fluent Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FRN 458914), and is a registered company in England and Wales (company registration number 10978680), with a registered address at 102 Rivington House, Chorley, New Road, Horwich, Bolton, BL6 5UE