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Best Accord Mortgages deals

Whether you're an existing customer or a first-time buyer, compare the best mortgage interest rates from Accord Mortgages with our comparison tool below. To see what rate you could be offered, create a free Tembo recommendation.

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LTV: 90.00%

The interest rates shown are an indication only and are not guaranteed. Current rates may have changed by the time you come to apply.


Get a Mortgage In Principle

When you create a Tembo recommendation, you'll get a free, downloadable Mortgage In Principle for each of the schemes you could qualify for.

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Already have an Accord mortgage?

Create your own free, personalised recommendation to see the best way for you to remortgage, including if you should stay with Accord Mortgages or change to another provider.

What type of mortgages does Accord offer?

Accord offers a decent range of mortgages, including new build schemes like Deposit Unlock, 40 year mortgages, and guarantor schemes like an Income Boost as well as 95% mortgages for buyers with smaller deposits. They are also known for their self-employed mortgages and bad credit mortgages, as well as offering standard fixed-rate and tracker mortgages for first-time buyers, home movers, remortgagers and buy-to-let customers.

Please note, Accord is an intermediary-only lender, meaning you have to go through a broker or advisor to apply to their products. As with any provider, whether Accord is the best mortgage lender for you depends on your affordability and unique circumstances, what mortgage products you're eligible for, and what the market is currently like. An expert mortgage broker like Tembo can help you navigate these factors to ensure you get the best mortgage deal for you.

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How much could I borrow from Accord Mortgages?

Like most mortgage lenders, Accord Mortgages offers a range of mortgage products with different eligibility criteria. How much you could borrow for a mortgage depends on which products you're eligible for, your household income and deposit, and other factors like your credit score, employment type, and outgoings. But typically you can borrow between 4-4.5 times your income, although you may be able to borrow up to 5.5x your income if you earn over £70,000 per year.

By creating a free Tembo recommendation, you can see what you could be offered for a mortgage by Accord and other providers without applying.

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Can I make overpayments on an Accord mortgage?

Yes, you can make overpayments on an Accord mortgage, but restrictions may apply. If you have a residential mortgage, you can overpay by 10% of your outstanding loan balance per year. But Accord also offer Early Repayment Charge Free products, up to 85% LTV. So if you know you're going to overpay on your loan early, it might be worth considering these products. If you don't go for an Early Repayment Charge Free product, paying anything above the allotted amount could see you being hit by an Early Repayment Charge (ERC).

Accord is known for helping people who might otherwise not be able to get a mortgage with a standard set upn- this could be due to credit issues, or being freelance. If you need a lender that's a bit more forgiving, Accord could be the right fit.


Andy Shead

Senior Mortgage Advisor at Tembo

Are Accord Mortgages a good lender?

Accord is one of the UK's biggest lenders, and are actually part of a larger banking company under the Yorkshire Building Society. They pride themselves on having a 'common sense approach to mortgages' including a more flexible underwriting process (meaning they have less strict rules like some other lenders) and they offer more specialist mortgages for borrowers who need a bit more help.

When it comes to interest rates, Accord Mortgages tend to offer competitive rates, meaning they are typically in line with other lenders on the market. As an intermediary-only lender, you can't deal with them directly though. Instead, you have to use a mortgage broker, like us.

Does Accord offer guarantor mortgages?

Yes, Accord does offer guarantor mortgages but only in the form of their Joint Borrower Sole Proprietor (Income Boost) mortgage. It can be difficult to know which lenders offer guarantor mortgages and which one is best for you and your family as this depends on your unique affordability and what schemes you're eligible for. Working with a mortgage broker like Tembo who specialises in family-assisted mortgages can help you navigate lenders' different eligibility criteria and find the best deal for you from across the market.

Looking for a new mortgage?

First home

Unsure which mortgage deal to go for? Buying your first home can be confusing and overwhelming. Get help from the experts.

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Coming to the end of your current deal? Remortgage onto a new one with our help. We'll show you whether you should stay with the same lender, or switch.

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Upsizing to your forever home? Or maybe you're downsizing to something more manageable. Whatever your reason for moving, we can help you find the best deal for you.

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Thinking of becoming a landlord? We can help you discover the best buy to let mortgage deal for you and how you could boost your mortgage affordability.

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The application process

4 simple steps to buying your first home or remortgaging


Make a Tembo plan

Check your eligibility for a range of mortgages and buying schemes, and get a personalised recommendation with interest rates and repayments in under 10-minutes.


Talk to an expert

Book a call with our experts to complete the qualification process, and we’ll cover off any questions you might have about any of the mortgage deals and budget-boosting schemes we advise on.


Apply for your new deal

Next, your dedicated advisor will undertake full affordability checks to prepare the mortgage application. Then we’ll submit it on your behalf!


Make home happen

Your Tembo advisor will be on hand to ensure everything runs smoothly, so you can move onto your new deal as quickly as possible.

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