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Accord Mortgages review

We've combined expert analysis with customer reviews to help you decide whether you should get a mortgage with Accord Mortgages
Joe Wright
Accord Mortgages

key information

Advice on mortgage rates

Mortgage rates are currently much higher than homeowners have been used to for the past 15 years.

If you're thinking of buying a home or need to remortgage, this is likely to impact you.

For the latest news and advice on dealing with inflated mortgage rates, see these stories, which are regularly updated:

If you're worried about making your mortgage payments, see our guide on what to do if you can't pay your mortgage.

Is Accord Mortgages a good lender?

Accord is part of Yorkshire Building Society Group and only offers mortgages via mortgage brokers.

Which? analysis shows that Accord offers fewer low-rate deals than other lenders, but it is popular with homeowners, ranking highly for customer score:

Accord Mortgages review

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Score

Overall ranking

Which? Customer Score

72%

Joint 4th out of 22 mortgage lenders

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Accord Mortgages customer satisfaction scores

The table below shows how Accord performed in our latest mortgage satisfaction survey, which gathered feedback from homeowners with existing Accord mortgages about everything from the application process to value for money.

Value for money
Customer service in general
Keeping you well informed
Clarity of mortgage statements
Transparency of charges
Ability to overpay or underpay mortgage
Online access

Star ratings based on a July 2023 Which? survey of 3,450 members of the general public in which 166 people told us that they had their mortgage with Accord Mortgages.

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What types of mortgages does Accord offer?

When we checked in September 2023, there were 259 mortgages available from Accord. Most were fixed-rate deals, meaning your interest rate stays the same for a set initial period.

Accord mortgages had initial periods of two, three, five or 10 years.

A smaller number of mortgages offered by Accord were tracker deals, with initial terms lasting two years before reverting to Accord's standard variable rate.

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Does Accord offer the best mortgage deals?

Which? analysed thousands of mortgages over a four-week period in August 2023. We compiled a series of Top 10 Cheapest Deals tables, based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

The average was five table appearances per week. Accord only featured an average of three times each week, meaning it rarely offered competitive deals. (Data source: Moneyfacts.)

How much could I borrow from Accord Mortgages?

Accord will lend to first-time buyers and home movers at 75%, 80%, 85%, 90% and 95% loan-to-value (LTV)

Remortgagers can also take out deals at 65% LTV, and at 100% LTV and even 120% LTV for those in negative equity.

You can borrow anywhere from 4.49 to 5.5 times your annual household income, depending on the mortgage deal itself and your financial situation.

How long can the mortgage term be?

All of Accord's mortgages allow customers to pay back the loan over a maximum of 40 years.

Can I make overpayments?

Accord's deals allow you to overpay up to 10% of the mortgage balance each year before an early repayment charge (ERC) is triggered.

How can I contact Accord Mortgages?

Accord only lends through brokers. Customers who are new to Accord should therefore contact a mortgage broker.

You can contact Accord on 0345 120 0891 if you're an existing customer.

Its website is Accordmortgages.com.

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