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Accord Mortgages review

Our Accord Mortgages review combines customer feedback with expert deal analysis to help you decide if you should take out a mortgage with Accord.

In this article
Accord Mortgages customer ratings What kinds of mortgages does Accord offer? Does Accord offer the best mortgage deals? Interest rates on Accord Mortgages
How much could I borrow from Accord Mortgages? Can I make overpayments? How can I contact Accord Mortgages?

Accord Mortgages customer ratings

Mortgages
Accord review
Which? Customer Score
15th out of 16 mortgage lenders
66%
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Part of the YBS Group, Accord’s mortgages are only available if you apply through a mortgage broker.

The table below shows how Accord Mortgages performed in our latest mortgage satisfaction survey, based on feedback from real Accord mortgage customers.

Customer rating for: Star Rating
Customer service in general

3 out of 5

Value for money 

5 out of 5

Keeping you well informed 

3 out of 5

Clarity of mortgage statements

4 out of 5

Transparency of charges

4 out of 5

Query and complaint handling

4 out of 5

Ability to overpay or underpay mortgage

3 out of 5

Online access

3 out of 5

 

Star ratings based on a July 2021 Which? survey of 3504 members of the general public in which 66 people told us that they had their mortgage with Accord Mortgages.

What kinds of mortgages does Accord offer?

When we checked in September 2021, there were 161 mortgage deals available from Accord, with some offering cashback of up to £1,000.

Almost all were fixed-rate, meaning your interest rate is guaranteed to stay the same for a set number of years. Most of these deals had initial periods of two or five years, though a handful of three, seven, and 10-year deals were available too.

 

Does Accord offer the best mortgage deals?

Our experts analysed hundreds of mortgages over a four-week period in July and August 2021. They compiled a total of 206 ‘top-10 cheapest deal’ tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

The average number of times a lender made it into a cheapest deals table was 24, but Accord failed to feature at all, meaning it didn't offer market-leading rates in any of our scenarios. (Data source: Moneyfacts.)

Interest rates on Accord Mortgages

In September 2021, the average rate on Accord's two-year fixed-rate deals was 2.32%. That's just below the overall market average of 2.38%.

How much could I borrow from Accord Mortgages?

Accord will lend to first-time buyers and home movers and remortgagers at up to 95% loan-to-value.

Accord doesn't publish its borrowing caps, so you'll need to speak to your broker about how much you might be able to borrow in relation to your annual salary.

Can I make overpayments?

Accord lets borrowers overpay their mortgage in regular payments or lump sums. Overpayments of up to 10% of the mortgage balance each year are allowed.

How can I contact Accord Mortgages?

Accord only lends through brokers. Customers who are new to Accord should therefore contact a mortgage broker.

You can contact Accord on 0345 1200 891 if you’re an existing customer and want to:

  • change your mortgage deal
  • borrow more
  • move home; or
  • add or remove someone from your mortgage.

Alternatively, you can call 0345 1200 872 if you’re an existing customer and have a query about:

  • offset mortgages
  • your direct debit
  • your payment or changes to your repayment; or
  • letting.

Its website for existing customers is accordmortgages.com/existing-customers.

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