Accord Mortgages – Competitive, Common-Sense Lending Exclusively via Brokers

Accord Mortgages is a broker-only lender with a solid reputation for offering great rates, fast decisions, and a practical approach to lending. Backed by Yorkshire Building Society, Accord blends the stability of a major institution with the flexibility of a specialist, making it a go-to lender for employed clients, first-time buyers, and those with slightly non-standard income.

At Mortgage Knight, we work with Accord to secure competitive, flexible mortgages for clients who want a smooth, efficient experience with a human approach.

Key Benefits of Accord Mortgages

Strong for First-Time Buyers

Accord consistently delivers some of the best deals for first-time buyers. 5% deposit options available No fees and cashback deals often included Flexible on gifted deposits and builder incentives

Strong for First-Time Buyers

Accord consistently delivers some of the best deals for first-time buyers. 5% deposit options available No fees and cashback deals often included Flexible on gifted deposits and builder incentives

Ideal for Employed Applicants

A great choice for straightforward income structures. Permanent, probationary and fixed-term contracts accepted Flexible on bonus, overtime and commission income Joint applications with mixed income sources welcome

Ideal for Employed Applicants

A great choice for straightforward income structures. Permanent, probationary and fixed-term contracts accepted Flexible on bonus, overtime and commission income Joint applications with mixed income sources welcome

Quick Decisions and Fast Processing

AIPs (Decisions in Principle) issued in minutes Strong case tracking and broker communication Underwriters available to speak directly if needed

Quick Decisions and Fast Processing

AIPs (Decisions in Principle) issued in minutes Strong case tracking and broker communication Underwriters available to speak directly if needed

Manual Underwriting Available

Accord doesn't rely solely on rigid credit scoring. Great for clients with historic credit issues or unique circumstances Blended income structures considered Multiple jobs, shift work and variable income accepted on a case-by-case basis

Manual Underwriting Available

Accord doesn't rely solely on rigid credit scoring. Great for clients with historic credit issues or unique circumstances Blended income structures considered Multiple jobs, shift work and variable income accepted on a case-by-case basis

Generous Lending Criteria

Loan-to-income ratios up to 5.5x in some cases (e.g. professionals) Interest-only and part-and-part options available Flexible view on credit history, age, and dependants

Generous Lending Criteria

Loan-to-income ratios up to 5.5x in some cases (e.g. professionals) Interest-only and part-and-part options available Flexible view on credit history, age, and dependants

Who Is Accord Best For?

  • First-time buyers looking for low-deposit or cashback options
  • Employed professionals including NHS staff, teachers, and civil servants
  • Clients on probationary contracts or fixed-term roles
  • Borrowers with historic but minor credit issues
  • Remortgagers seeking competitive rates with flexible criteria
  • Joint applicants with different income types (e.g. salaried + self-employed)

Types of Mortgages Accord Offers

  • Residential mortgages (purchase, remortgage, and porting)
  • First-time buyer deals with low deposit options
  • Interest-only and repayment options
  • Professional mortgages with enhanced affordability
  • Part-and-part mortgages for flexible repayment strategies

Why We Recommend Accord Mortgages at Mortgage Knight

Accord strikes a balance between mainstream and specialist lending. They’re flexible, reliable, and open to real-world scenarios — especially useful when income isn’t perfectly standard or a client needs a bit more understanding than high street banks provide.

Their strong broker support, manual assessment process, and consistent product range make them a solid choice for many of our clients.

Ready to See If Accord Is Right for You?

If you’re buying your first home, moving, or looking to remortgage and want a lender who listens, Accord Mortgages could be the ideal fit. We’ll guide you through their criteria, help present your case clearly, and secure the best deal they can offer.

Speak to a Mortgage Knight adviser today and get matched with the right mortgage from Accord.

Faq

Frequently Asked Questions

A: Yes. Accord Mortgages is part of Yorkshire Building Society, giving it the backing of a trusted, established institution, while still operating as a broker-only lender with flexible criteria.

A: Yes. Accord often accepts applicants on probationary periods or fixed-term contracts, especially if your job is in a similar field or there’s a history of contract renewal.

A: It helps—but some lenders accept first-time landlords, especially for lower-value or owner-occupied deals.

A: Slightly—but they’re still competitive, and the stronger yield often outweighs the rate difference.

A: Absolutely. We help clients refinance for better rates, equity release, or to switch from personal to limited company ownership.