Accord Mortgages Avis 

Accord have a fantastic Boost LTI product, which was a real game-changer for us. Although we had savings to help offset our mortgage, having recently become self-employed meant that my income didn’t look particularly strong “on paper”. The combination of their Boost LTI product and offset mortgage proposition was therefore absolutely perfect for my circumstances.

A special mention has to go to our underwriter, Natalie Hall, who was amazing throughout the entire process. She was diligent, incredibly helpful, and genuinely took the time to understand my application and circumstances. That personal approach made a huge difference.

As far as mortgage lenders go, Accord are head and shoulders above the rest. They offer a great range of products tailored to different types of clients and, in our experience, genuinely look at the individual rather than simply relying on the numbers.

I wouldn’t hesitate to recommend them.

Our experience with Accord Mortgages, part of the Yorkshire Building Society (YBS) Group, has been absolutely appalling.

We submitted a Buy-to-Let mortgage application in July and have spent almost two months going through their process. During that time, Accord repeatedly requested further documents and information, all of which we provided as requested. We cooperated fully and invested a huge amount of time and effort trying to satisfy their requirements.

After nearly two months of waiting, document requests and uncertainty, Accord has now decided to refuse our application.

What makes this particularly devastating is the timing. This is not simply a declined mortgage application — their decision at this late stage could potentially cause our entire property chain to collapse, affecting not just us but several other people who have been relying on this transaction proceeding.

If Accord had concerns about the application or lending criteria, I struggle to understand why these could not have been identified much earlier in the process. Allowing an application to continue for almost two months, repeatedly requesting documentation and then declining it at such a late stage has caused enormous stress, wasted time and potentially serious financial consequences.

I am extremely disappointed with the way our application has been handled. A mortgage lender should understand that behind every application are real people, families, property transactions and chains that depend on decisions being made efficiently and responsibly.

I would find it very difficult to recommend Accord Mortgages based on our experience. I sincerely hope Accord and the Yorkshire Building Society Group review how this application was handled and consider the impact that prolonged processing followed by a late refusal can have on customers.

For us, the consequences of this decision could be devastating.

There was no real contact and now I'm finding out that when my client had phoned in asking about the first payment, you have told him that 'your broker should've told you this' - you haven't even sent an offer to the client?! Not a great reason for a broker to recommend you if you're just going to blame them for your mistakes.

Love the system, flexible criteria, quick AIP .
Very attentive underwriters, will call instantly if they have any questions to avoid delays.
Great overall lender

I received excellent service at every touch point. Communication was clear, constant & relevant. I felt that Accord were working with me throughout & had a genuine desire to assist the process.

When the underwriter assesses documents and then i submiut further documents or responses, then it goes back to 3/5 day queue to be assessed, absolutely ridiculous

Service is always excellent with a good degree of common sense at the underwriting stage. Timing from application to offer is always really good.

I have had my mortgage with Accord Mortgages for a few years now, and although I never really thought about writing a review before, today’s experience completely compelled me to do so.Over the years, I have contacted Accord a few times, and every single interaction has been excellent. I have always been genuinely listened to and treated with the utmost respect. Today, I called them again regarding my mortgage, and the representative I spoke with was absolutely wonderful. She made me feel highly valued as a customer, offering an amazing level of service. She took the time to listen, fully understood my situation, and provided incredible support.I cannot thank the team at Accord Mortgages enough for their consistently brilliant customer care and strong business ethics. It is rare to find a company that makes you feel this supported, and I highly recommend them!

The process was super efficient and smooth. All staff were polite and able to guide me every step of the way and there was no unnecessary waiting around as call response times were excellent. I love the client hamper - always a nice touch and unique to Accord.

The overall application was ok but there was a bit of back and forth regarding additional documents required but got there in the end.
Love the welcome pack you send to clients from us, its such a wonderful touch.

I like that you can speak to the underwriting team and explain clients who have complex cases, sometimes a quick chat is all that's required. Thank you Accord for listening.

Excellent service, fast turnaround from application to offer on an application with a large income stretch that wouldn't fit with any of the major High St lenders on their enhanced multiples, no requests for further information. Very happy with app to offer timescale

Great lender
Common sense approach

User freindly systems, underwriter calls to go over case which was helpful

Not impressed and would not recommend. Have been with them for nearly 2 years and have just found out that a Special Payment Plan (confirmed in writing) set up for just a few months to pay back arrears accrued when my partner was made redundant as well as our contracted monthly interest and capital payments have been reported as "missed payments" on our credit histories affecting our chances of being able to remortgage. We missed NO payments during the special payment plan period and even paid the arrears off early! What kind of lender does this? UPDATE: Accord has now upheld my complaint in full and confirmed that a “wider system issue” caused incorrect information to be reported to the credit reference agencies between December 2025 and April 2026.

The incorrect reporting materially restricted the mortgage products available to us while we were trying to remortgage. Accord initially told us the reporting was correct, but after I escalated the matter to its CEO Customer Relations team it admitted that this was wrong and corrected the information with all three CRAs.

Despite acknowledging the error and its impact, Accord has refused to waive the Early Repayment Charge on our existing mortgage, meaning we are effectively being forced either to remain with Accord until the end of the deal or pay to leave.

Accord also stated in its Final Response that we could cancel a Product Transfer without penalty, yet our broker encountered difficulty getting that cancellation processed.

The matter has now been referred to the Financial Ombudsman Service, and I have submitted formal Subject Access Requests to obtain the underlying CRA reporting data and correspondence.

I will update this review again once those processes are complete.

UPDATE 28/09/2026: Accord's own internal records confirm this was not an isolated error. I have now received information from Accord following a Subject Access Request. Their own internal complaint records make extremely concerning reading.
Accord records that it identified “a wider issue with credit file reporting” and states internally:
“We are aware of issue and it is a larger issue than just one account.”
Its records also state that my complaint was upheld because Accord “did not report correctly during period of Dec 25 to APR 26”, that an IT/system issue caused the error, and that it took until late August to correct because “customer had to advise us of error”.
Accord has subsequently confirmed that it incorrectly reported MIA1 (one month in arrears) and later corrected this to AR (arrangement).
This is particularly concerning because when I first challenged the reporting, Accord told me after “double-checking” the account that the information had been reported “correctly and accurately”. A more detailed investigation subsequently established that this was not true.
Accord has also acknowledged that its incorrect reporting restricted the mortgage products, rates and lending decisions available to us.
My concern now extends beyond our own account. Accord's own records state that this was “a larger issue than just one account”, but they do not disclose how many customers were affected, how or when those customers were identified, or whether affected customers were proactively informed and their credit records corrected.
I will now be providing this evidence to the Financial Ombudsman Service and raising the data-protection aspects with the Information Commissioner's Office.
I will update this review again when those processes have concluded.

The process could be a little quicker,

Always great service and telephone support team is excellent. Thanks

Good knowledgeable U/Ws
Excellent knowledgeable and caring BDM