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Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
Anna covers personal finance, helping readers make sense of savings, credit cards and insurance. Her insights are informed by experience in the financial services industry.
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Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
In this article
Accord is a UK mortgage lender with deals that can only be accessed through a broker.
Here, you can find out what real Accord mortgage customers thought about its service, what our expert analysis uncovered about its range of deals and the best Accord mortgage rates on the market right now.
Please note that this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
Why you can trust our Accord mortgage review
Real Accord customer views
We've asked 161 Accord mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Accord's mortgages to work out if it's a lender that offers competitive deals.
Accord scored well in our latest survey, placing in the top quarter of our table. However, it was just the 19th cheapest lender (out of 69) in our interest rate analysis. As a result, it is likely that you will find a better deal elsewhere.
75%
out of 21 mortgage lenders ranked on customer score (joint-4th)
To see how Accord compares to other mortgage providers, head to our guide on the best mortgage lenders.
Anna McClean, Market Analyst, says: 'We analysed thousands of mortgages, using Moneyfacts data, over three months in the summer/autumn of 2026. We created 28 mortgage scenarios, based on typical loan amounts, term lengths and mortgage products, to reveal the lenders that consistently offer the best deals. Ranking first means the provider offered, on average, the cheapest mortgage deals during our analysis period. Accord was the joint 19th cheapest lender in our analysis, which means you can likely find a better deal elsewhere.'
Here's how Accord did in our analysis:
Find out more: check which lenders came ahead of Accord in our cheapest lender interest rate analysis
Use the table to find the two-year fixed-rate mortgages Accord is currently offering first-time buyers with an 80%, 90% or 95% LTV.
To see how Accord compares with other mortgage providers, visit our guide to the best mortgage rates, updated daily.
| 80% | Accord | 75% | 5.29% | £1,495 | 5.99% |
| 80% fee free | Accord | 75% | 5.69% | £0 | 5.99% |
| 90% | Accord | 75% | 5.6% | £495 | 5.99% |
| 90% fee free | Accord | 75% | 5.9% | £0 | 5.99% |
| 95% | Accord | 75% | 6.59% | £495 | 5.99% |
| 95% fee free | Accord | 75% | 6.89% | £0 | 5.99% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. Accord had a sample size of 161.
Use the table to find the two-year fixed-rate mortgages Accord is currently offering to home movers at 60%, 75%, or 85% LTV.
To see how Accord compares with other mortgage providers, visit our guide to the best mortgage rates, updated daily.
| 60% | Accord | 75% | 5.28% | £1,495 | 5.99% |
| 60% fee free | Accord | 75% | 5.68% | £0 | 5.99% |
| 75% | Accord | 75% | 5.28% | £1,495 | 5.99% |
| 75% fee free | Accord | 75% | 5.68% | £0 | 5.99% |
| 85% | Accord | 75% | 5.31% | £1,495 | 5.99% |
| 85% fee free | Accord | 75% | 5.71% | £0 | 5.99% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. Accord had a sample size of 161.
Use the table to find the two-year fixed-rate mortgages Accord is currently offering to remortgagees at 60%, 75%, or 85% LTV.
To see how Accord compares with other mortgage providers, visit our guide to the best mortgage rates, updated daily.
| 60% | Accord | 75% | 5.28% | £1,495 | 5.99% |
| 60% fee free | Accord | 75% | 5.63% | £0 | 5.99% |
| 75% | Accord | 75% | 5.3% | £1,495 | 5.99% |
| 75% fee free | Accord | 75% | 5.65% | £0 | 5.99% |
| 85% | Accord | 75% | 5.38% | £1,495 | 5.99% |
| 85% fee free | Accord | 75% | 5.81% | £0 | 5.99% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. Accord had a sample size of 161.
Find the right mortgage using the fee-free service provided by L&C Mortgages
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked Accord mortgage customers about their experience with the lender.
Here's how customers rated Accord in various areas of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (eg telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (eg being able to overpay/underpay/take payment holidays) | |
| Online access (eg being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. The sample size for Accord is 161.
The process has been straightforward, the terms are clear, and the service has been reliable
We don't just have customer scores and star ratings to help you choose a lender; we also have unique insights into what customers think about them.
In general, the feedback we received for Accord praised its customer service. One respondent said the lender was easy to contact, while another praised its 'excellent customer service' and 'seamless process from start to finish'.
A small collection of customers reported that Accord offered them a mortgage when other lenders wouldn't.
When we checked in September 2026, there were 216 mortgages available from Accord. Most were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
Accord mortgages had initial periods of two, three, five or 10 years.
A smaller number of mortgages offered by Accord were tracker deals, with initial terms lasting two years before reverting to the Accord standard variable rate.
Accord will offer a maximum loan of 4.49x income for those earning below £50,000 (joint or sole). For those earning above £50,000 (joint or sole) they will offer a maximum loan 5x income up to 90% LTV.
Currently, Accord doesn't offer green mortgages.
All of Accord's mortgages have a maximum term length of 40 years.
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence
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