Accord Mortgages is a dedicated intermediary-only lender and part of Yorkshire Building Society Group. They exist to help brokers look after what matters most, their clients.

At Accord you can expect a common-sense approach, not just to lending but applied to everything they do, with every case for every broker.

Flexible underwriting 

If you have a trickier case to place, their flexible underwriting is there to make complex easy.
There's no referrals, no ‘committees’ and certainly no special treatment based on the number of cases given. In fact, in 2023 over 28% of cases had underwriting flexibility applied under our common-sense lending approach. 

£5k Deposit Mortgage 

This innovative £5K Deposit Mortgage product is designed to help your first-time buyer clients purchase their first home, faster - with just a £5K deposit. Available for LTVs between 95.01% and 99%

Joint Borrower Sole Proprietor 

For clients who can't borrow enough on their own, they can add a family member to their mortgage. It could be helpful for first time buyers with lower incomes, but any home move could use it. 

Cascade Score

Cascade Score is an alternative product range to give another option to brokers whose clients don’t meet Accord’s higher loan-to-value (LTV) scorecard but do meet their standard scorecard.

Boost LTI

Accord’s Boost LTI range offers up to 5.5 times LTI for clients with household incomes of £60,000 and over who need a small stretch to their income multiples to achieve their borrowing goals.

Deposit Unlock

With up to 95% LTV on lending for new build houses, it’s a great way Accord can help brokers help more clients onto and up the property ladder, including those with smaller deposits.

A Buy to Let lender, not just a lender that does Buy to Let

Accord offers top-slicing, lower ICR for basic rate or zero rate taxpayers and like-for-like re-mortgages; new build, no minimum income and lending in Scotland, Plus our criteria allows first-time landlords, portfolio landlords, and landlords looking to Let to Buy, and we have a range of ERC free 5-year products.

Direct access to Underwriters

Once a case is placed a dedicated underwriter, who you can contact directly, will manage the case from start to finish.

Technology that saves you time 

Accord’s MSO mortgage platform has been integrated with sourcing systems, so there's no need to re-key information when submitting Decisions in Principles with us.

Supporting new and existing business 

Accord will support brokers with procuration fees for new and existing business, with access to a great range of products, common-sense lending and all delivered by our expert, dedicated, knowledgeable teams.  A perfect combination to make you and your clients happy now and in the future! 

Welcome box for your clients

If one of your clients buys a home with an Accord mortgage, we’ll send out a Welcome Box on your behalf - with your name on the gift card. We take care of the logistics, so there’s nothing for you to do. 

Easy to contact

Their instant webchat is quick and easy and managed by their knowledgeable and experienced sales team. Or for more complex cases you can speak directly to Business Development Advisors for help and support.

Grow your business with the Growth Series

It’s common sense to want to grow and improve a business. That’s why Accord have created the Growth Series to provide mortgage brokers with a range of free resources to do just that.   
There’s free Blogs, Podcasts and Guides to help you tackle the issues facing the mortgage sector and much more!

Sign up today and join the 9.5K other brokers already signed up!

Find out more about Accord

Proc Fees

Product Gross Net Gross Min Gross Max
Standard/Offset 0.45% 0.425% £200 No Max
BTL 0.50% 0.45% No Min No Max
Residential Product Transfer 0.30% 0.275% £50 No Max
BTL Product Transfer 0.30% 0.28% No Min No Max
Porting and Further Advance (paid on additional amount only) 0.30% 0.275% £50 No Max


How to Register

Registering for the first time:

Register for Accord Mortgages online. You may need to have Paradigm's bank account details for procuration fee payments; please call us on 03300 536061 for these details.

Add Paradigm as payment route:

Re-register online with Paradigm as your mortgage club.