Accord Mortgages

Accord Mortgages: Residential and Buy-to-Let Lending

Accord Mortgages is a trusted intermediary-only lender, operating as part of the Yorkshire Building Society, one of the largest mutual societies in the UK.

Known for their expertise in both residential and buy-to-let mortgages, Accord focuses on offering flexible, bespoke mortgage solutions that are perfect for clients with a wide range of financial needs.

Whether you’re buying your first home, moving up the property ladder, or expanding your buy-to-let portfolio, Accord Mortgages provides reliable and innovative products to suit your situation.

Why do people consider Accord Mortgages?

Flexible Lending Solutions

Accord Mortgages adopts a personalised approach to underwriting, evaluating each case on its own merits. This allows them to cater to clients who may have more complex financial situations, offering options where other lenders may decline.

Innovative Mortgage Products

With a variety of product offerings, Accord has solutions tailored for different types of borrowers. Their Boost LTI range provides higher loan-to-income ratios for higher-earning clients, and the Deposit Unlock scheme is ideal for buyers with smaller deposits, allowing up to 95% loan-to-value (LTV) on new build properties.

Buy-to-Let Expertise

Accord is highly regarded for its comprehensive buy-to-let mortgage products. They offer competitive products for both individual and portfolio landlords, as well as those operating through limited companies. Their top-slicing feature enables landlords to use their personal income to enhance affordability, while ERC-free options give landlords the flexibility they need.

Broker-Focused Support

When you work with Kerr & Watson, you’ll benefit from Accord’s dedication to excellent service. Accord Mortgages gives brokers direct access to underwriters, ensuring a quick, hands-on approach for complex cases. Their efficient online tools and support services make it easy for brokers to assist clients throughout the mortgage application process.

Mortgage Product Highlights

Residential Mortgages

Competitive rates for first-time buyers, home movers, and those seeking remortgage options.

Buy-to-Let Mortgages

Flexible solutions for landlords, including options for limited companies and portfolio landlords.

Specialist Products

Products like Boost LTI and Deposit Unlock provide unique solutions for clients with specialised needs.

Remortgaging or Switching Rates with Accord Mortgages: A Guide

As your current mortgage with Accord Mortgages approaches its end, you may be offered a new rate through a product transfer. While this can be a straightforward option, it’s crucial to explore all available rates in the market to ensure you’re getting the best deal possible.

An independent mortgage advisor can help you compare mortgage products from various lenders, potentially finding a more competitive rate that better suits your financial situation. Staying with your current lender might seem convenient, but it may not always be the most cost-effective choice.

If you choose not to switch, your mortgage will automatically move to one of Accord’s Standard Variable Rates (SVR), which may result in higher monthly payments. To avoid this, consider your options carefully and seek professional advice. While you can directly switch your Accord mortgage deal, consulting with your broker first can provide valuable guidance on the best course of action.

How Kerr & Watson Can Help You

At Kerr & Watson, we work directly with Accord Mortgages to secure the best possible mortgage options for our clients. Whether you’re a first-time buyer or an experienced property investor, we’ll guide you through the process to ensure you get the right mortgage product tailored to your needs.

Speak to a Mortgage Adviser Today

If you’re looking to explore your mortgage options with Accord Mortgages, contact Kerr & Watson today. Our expert advisers are here to provide you with personalised advice and find the most suitable mortgage for your unique situation.

Call Us Now: Don’t wait to secure your next property. Speak to one of our experienced advisers today by contacting us at Kerr & Watson. We’ll make sure you get the best possible deal for your mortgage needs.

The information on this page is not tailored to any individual readers and should not be considered financial advice under any circumstances.

If you are seeking advice about a mortgage, you should speak with a qualified advisor.

Your Mortgage In 3 Easy Steps…

Conversation

Schedule a call to talk to a mortgage advisor about your goals, challenges and vision for your mortgage.

Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.

Research

We will take the information gained on the call and carry out some research before sending you a bespoke recommendation.

If you would like an agreement in principle, we’ll also arrange this for you.

Application

We will submit the full application to the mortgage lender, sending them the documents and liaising with the underwriters until the mortgage has been fully offered on the new interest rate.

We will also communicate with you at every stage, from application to completion.

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Kerr & Watson | Address: Pembroke House, 8 St Christophers Pl, Farnborough GU14 0NH, UK | Phone: 01252 224620 | Email: info@kerrandwatson.co.uk | Hours: Mon-Fri 9:00–17:30

Frequently Asked Questions

▸ ▾ What does a mortgage advisor do?

A mortgage advisor evaluates your income, outgoings, credit history, and other financial commitments. They also assess property-related details, whether you’re buying or refinancing, ensuring you understand the best mortgage options for your situation. They also process the mortgage application to the lender, working with them to obtain a mortgage offer, then work with the conveyancer towards the completion of your purchase or remortgage.

▸ ▾ How does a mortgage advisor enhance the likelihood of mortgage approval?

A mortgage advisor increases your chances of mortgage approval by matching you with the most appropriate lenders, optimising your application, and navigating complex lending criteria to find the best value deal for your circumstances.

▸ ▾ What are the financial benefits of working with a mortgage advisor?

Working with a mortgage advisor can save you from costly mistakes such as choosing the wrong mortgage type or failing to meet a lender’s criteria. Their expertise often leads to securing more favourable mortgage terms and rates.

▸ ▾ Can a mortgage broker get you a better rate?

Often, a mortgage broker can find more cost-effective deals for you, even when their fees are considered, they can review the whole market and access exclusive broker only products that may not be available directly to the public.

▸ ▾ What steps should you take before speaking to a mortgage advisor?

Before speaking with a mortgage advisor, gather all relevant financial documents, including payslips, bank statements, and details of your credit history to ensure an accurate assessment of your situation.

▸ ▾ What range of financial history do mortgage advisors examine?

Mortgage advisors and lenders typically assess the last six years of your credit history to gauge your financial behaviour, this includes any missed payments or defaults.

▸ ▾ How long does it take a mortgage advisor to get a mortgage offer?

The process from application to approval of a mortgage can vary, normally this is anywhere from two to six weeks depending on the mortgage lender and the complexity of your situation.

▸ ▾ Do mortgage advisors have access to exclusive mortgage rates?

Yes, mortgage advisors often have whole-of-market access, which allows them to secure competitive rates, sometimes not directly available to consumers.

▸ ▾ What documents do mortgage advisors typically require?

Advisors typically need proof of identity, proof of address, 3 months payslips, tax calculations or accounts, bank statements, and potentially credit report to fully assess your financial situation.

▸ ▾ What are the advantages of using a mortgage broker rather than going direct to your bank?

A mortgage broker can provide whole of market advice by comparing offers from multiple lenders, potentially securing better rates and terms than a single bank’s offerings.

▸ ▾ Who are the Financial Conduct Authority?

The Financial Conduct Authority (FCA) regulates mortgage brokers and lenders to ensure they adhere to ethical and professional standards.

▸ ▾ How do you know if your mortgage advisor is qualified?

A qualified mortgage advisor should have a Certificate in Mortgage Advice and Practice (CeMAP) or equivalent, which is recognised by the Financial Conduct Authority (FCA). They should also be listed on the Financial Services Register, ensuring they are authorised to give mortgage advice.

▸ ▾ How can you get a free credit report?

Lenders look closely at your credit score to decide how risky it is to lend to you. A good credit score can not only boost your chances of getting approved for a mortgage but might also get you better interest rates.

CheckMyFile offer a 30-day free trial after which a subscription fee applies, which can be cancelled any time.

CheckMyFile is a UK credit reporting service that collates information from the most popular credit referencing agencies, Equifax, Experian & TransUnion.