Get Expert Support for Accord Mortgages
Specialist Support for Accord Mortgages
Accord Mortgages is part of Yorkshire Building Society and offers home and buy-to-let mortgages exclusively through brokers. They’re known for flexible lending, manual underwriting, and great rates for non-standard income. At Mortgage-Tek, we connect you to Accord’s best deals with expert guidance every step of the way.
We work with more than 120 mortgage lenders, including
Why
Why Accord Mortgage Is a Great Option
Why Accord Mortgage Could Be the Right Fit for You
Accord Mortgages is a strong choice for people who don’t fit the usual lending criteria. If you’re self-employed, a contractor, or have a complex income, Accord takes a flexible approach by using real people, not just systems, to assess your application. This makes it easier for you to get the mortgage you need.
They also offer competitive rates on a wide range of mortgage types, including buy-to-let and residential deals. As an intermediary-only lender, you can only access Accord’s products through brokers like Mortgage-Tek. We help you find the right deal, handle the paperwork, and guide you through the whole process.
Criteria of Accord Mortgage
Who Can Apply for Accord Mortgage?
Broker Requirement
You must apply through a registered mortgage broker, Accord does not accept direct applications from the public.
Age Criteria
You must be at least 18 years old, with a maximum age typically between 70–75 at the end of the mortgage term (subject to product).
Residency Status
You must have UK residency and a verifiable UK address history.
Minimum Income
For buy-to-let, a minimum income of £25,000 is usually required.
Self-Employment History
Self-employed applicants need at least 12 months of trading history and supporting financial documents (e.g., SA302s, tax returns).
Contractor Criteria
Contractors should provide a current contract and evidence of a track record or day-rate income. Some zero-hour contracts may also be considered.
Credit Profile
A clean credit history is preferred. Minor credit issues may be considered on a case-by-case basis.
Property Standards
The property must meet Accord’s valuation requirements and acceptable construction standards.
Affordability Checks
You must pass Accord’s affordability and stress tests, which assess your ability to repay even if interest rates rise.
Buy-to-Let Requirements
For buy-to-let, the rental income must meet Accord’s required Interest Coverage Ratio (ICR), usually 125%–145% of the mortgage interest.
Benefits of Securing Accord Mortgage
Why Choose a Mortgage from Accord?
Accord Mortgages offers real flexibility and value, making it a smart choice for a wide range of borrowers.
Flexible Lending Criteria
Accord considers applicants with non-traditional income, including self-employed, freelancers, and contractors.
Manual Underwriting
Real people assess your case, not just automated systems, making approval more likely if your situation is unique.
Competitive Interest Rates
Access a range of fixed and tracker deals, often with broker-only exclusives not found on the high street.
Buy-to-Let Friendly
Suitable for individual and limited company landlords, including portfolio investors and first-time landlords.
Support for Product Transfers
Existing customers can access attractive product switch options without a full remortgage process.
Backed by Yorkshire Building Society
As part of one of the UK’s largest building societies, Accord offers security, experience, and long-term stability.
Partnering with Accord Mortgage
Our Role in Securing Your Accord Mortgage
At Mortgage-Tek, we work closely with Accord Mortgages to help you access the right mortgage product without the stress. As an authorised broker, we understand Accord’s lending criteria, product range, and underwriting approach. From the first conversation to final approval, we manage the process for you, comparing options, preparing your application, and liaising directly with Accord on your behalf. With our expert support, you’ll save time, avoid common mistakes, and have a better chance of securing the deal that fits your needs.
Compare & Find the Right Mortgage For You
Compare Accord Mortgage with Other UK Mortgage Options
Mortgage Comparison
Compare Accord Mortgages with top UK lenders to see how their flexible criteria and competitive rates stack up. Whether you’re self-employed or a landlord, we’ll help you find the deal that fits your needs best.
Mortgage Quote
Get a personalised quote from Accord Mortgages through Mortgage-Tek. We’ll assess your situation and show you what Accord could offer, quickly, clearly, and with no pressure.
BORROW
Curious About How Much You Can Borrow?
Not sure how much you could borrow with Accord Mortgages? Use our calculator to get a quick estimate based on your income and expenses. Whether you’re buying your first home or investing in property, it’s a great first step before speaking to an expert. No credit checks, just instant, helpful results.
Your Estimated Borrowing Amount
Let’s Connect
Looking to speak with an expert about Accord Mortgages?
Don’t let rigid lending rules hold you back. We’ll help you secure a mortgage through Accord Mortgage that fits your unique circumstances, with advice that’s fast, clear, and personal.
Let’s get you one step closer to your new home.
FAQ’s
Can I apply directly with Accord Mortgages?
No, Accord is an intermediary-only lender. You can’t apply directly, they only accept applications through authorised mortgage brokers like Mortgage-Tek.
Does Accord accept self-employed or contractor applicants?
Yes. Accord is known for its flexible approach to income, including manual underwriting for self-employed individuals, contractors, and freelancers with at least 12 months of income history.
What is the minimum deposit required for an Accord mortgage?
For residential purchases, Accord typically requires a minimum deposit of 5% (95% LTV). For buy-to-let, a larger deposit is usually needed, often 20–25% depending on the property and your circumstances.
Can limited company landlords apply for buy-to-let mortgages with Accord?
Yes, Accord offers buy-to-let mortgages for both individual landlords and limited companies. Additional documentation, such as company accounts and director details, may be required.
How long does it take to get a mortgage offer from Accord?
Once your application is submitted with all required documents, Accord typically issues a mortgage offer within 10–15 working days, depending on case complexity and valuation timelines.
What credit score do I need to qualify with Accord?
There’s no set score published, but a clean credit history helps. Accord may accept minor credit issues depending on the case, but serious adverse credit (like CCJs or recent defaults) could affect your eligibility.