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Accord Mortgages is a subsidiary of Yorkshire Building Society that specialises in residential and buy to let mortgages. They offer various types of lending including first and second charge mortgages and remortgaging.

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Accord logo
Fixed Nov-2020 From Accord
Initial rate 1.50% Nov-2020
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Accord logo
Fixed Nov-2020 From Accord
Initial rate 1.60% Nov-2020
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Accord logo
Fixed Nov-2020 From Accord
Initial rate 1.69% Nov-2020
Maximum LTV 80%
Overall cost of comparison 4.5% APRC
See deal
Accord logo
Fixed Nov-2020 From Accord
Initial rate 1.69% Nov-2020
Maximum LTV 75%
Overall cost of comparison 4.5% APRC
See deal
Accord logo
Fixed Nov-2020 From Accord
Initial rate 1.74% Nov-2020
Maximum LTV 75%
Overall cost of comparison 4.4% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Mortgage Quotes & Advice

Our independent mortgage service provides:

  • FREE initial mortgage consultation
  • Access to exclusive mortgage deals not available on the high street
  • A dedicated mortgage adviser and case handler to deal with your mortgage from enquiry to completion

"Our mortgage team is committed to providing you with an excellent mortgage service". Adam Arnott, Head of Mortgages & Protection.

Mortgage details

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Fri: 8am - 8pm
Sat: 9am - 4pm
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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

This comparison simply includes all mortgage services

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Mortgages Direct provides an independent mortgage quotes and advice service. When you submit this form you will be contacted by a regulated mortgage adviser to discuss your options.

If you are thinking of borrowing from Accord, make sure to familiarise yourself with exactly what they have to offer and you will be better positioned to make the right decision for you.

Compare Accord mortgages

Borrowers who wish to borrow with Accord Mortgages should consider the following benefits and restrictions before making a final decision.

Benefits of Accord mortgages

Accord Mortgages customers can benefits from the following:

  • Borrow up to 85% of the value of your property on a new build or 95% on older properties
  • Valuations are typically instructed within 24 hours of receiving an application
  • Various products aimed at first time buyers

Restrictions on Accord mortgages

  • Applicants must be at least 18 years old
  • All loans must be repaid by age 75
  • Mortgages are only offered on a capital and interest basis
  • Additional lending is only available to those who have had their existing mortgage for at least 6 months and have made all repayments on time to date
  • Failing to keep up with repayments may affect your credit rating and put your home at risk

Remortgaging with Accord

Accord offer remortgaging up to a maximum 90% loan-to-value ratio (see below). They accept remortgaging requests for a variety of reasons, including raising capital and home improvements. They do not, however, allow remortgaging for the purposes of raising capital for a business.

Accord second charge mortgages

If you need to raise extra finance but do not wish to remortgage, you may be able to apply for a second charge mortgage. This allows you to borrow more against the value of your home as a separate loan on top of your existing mortgage. Legally, a first mortgage has precedence over a second charge mortgage, hence the name.

Loan-to-value ratio

How much you can borrow against your home or any other property will depend on your loan-to-value (LTV) ratio. This is a metric lenders use to balance how much you are intending to leverage against your property versus the market value of the property. This takes into account both your existing borrowing and any new loans you are seeking to take out.

So, if your property is worth £100,000 and you have an existing mortgage for £50,000 and wish to borrow an additional £25,000 this would give you total borrowing of £75,000 against the £100,000 value of the house. This means your borrowing would equal 75% of the value of your home and this is your loan-to-value figure.

Find the best deals on mortgage rates

With so many different brands and types of mortgages available across the market, finding the best fit for your needs and financial circumstances can be confusing. Our mortgage calculator takes the hassle out of the equation. Simply put in some basic details, including how much you want to borrow and how long for and we will show you the best deals for you from across the industry. Head to the top of the page to try it out.

Latest news

Cost of fixed rate mortgages have started to increase as Bank of England rate rise looms

A number of high street banks have started to increase their mortgage rates. The reason for this is that banks are having to pay more to access the funds they lend out to UK homeowners.

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