Accord Mortgages Avis 

Common sense lending with a newly qualified Teacher and swift processing of the application once submitted. Documents requested were as per pre-underwriting discussion.

Far too many emails asking for requireemnts, take the time to compose one email with all the requirements so we can maintain our prodfessionalism when communicating with the client

Brilliant BDM in Matt Bradley-Barker, always happy to brainstorm cases and help find solutions. Fast service and helpful processing team.

I would avoid these guys like AIDS, they give you mortgage in principle make you jump through hoops for weeks/months on end then pull plug on their offer only hindering the long stressful process of buying a house. Please guys I’ll say it again don’t waste you time giving this company any of your energy….

- Poorly designed web portal. Blocks password managers so you're forced to enter passwords manually
-Hard to make an overpayment. No online option. Have to call an automated helpline that takes 10+ minutes and has a horrible user experience.

As a leader in the mutual sector for the past 5 years, I have seen firsthand how ethical lending should work: with fairness, empathy, and a genuine commitment to supporting customers through difficulties. In my view, Yorkshire Building Society (YBS) and its subsidiary Accord Mortgages fell far short of this standard, and I strongly recommend avoiding them if possible.

Their approach felt aggressive and unsupportive, which in my experience undermines the mutual movement's principles and can make tough situations much worse.

I fell into temporary mortgage arrears in September 2025 due to redundancy and immediately requested forbearance. They agreed to a payment break, but then attempted unauthorised direct debits, which I had to block myself. After that, I received repeated threatening letters about litigation and repossession, even while my complaint was under active review by the Financial Ombudsman Service (FOS). I had solicitors send a cease-and-desist notice under the Protection from Harassment Act 1997, but the pressure continued in my experience.

This felt contrary to what I expected from Consumer Duty (which requires avoiding foreseeable harm and supporting vulnerable customers) and the Mortgage Charter (which YBS has signed, committing to repossession as a genuine last resort and no forced action without consent in under 12 months from the first missed payment in most cases, except exceptional circumstances). At the time, I was only around 4 months into arrears, had stayed in regular contact, and had even reached out to senior figures including their CEO and the CEO of the Building Societies Association — yet the escalation continued.

Their responses were vague and unhelpful, with no meaningful pause or adjustment offered despite my situation. In my opinion, this prioritised enforcement over resolution and showed little regard for the impact on my health and wellbeing.

As someone deeply involved in the mutual sector, I found this deeply disappointing. It seems to contradict the ethos of community service, ethical integrity, and putting people before profit that mutuals are supposed to represent.
Avoid them if you can. In my experience, if difficulties arise, expect heavy pressure rather than flexible support, with little apparent adaptation to vulnerability or ongoing reviews.

Choose a lender that better matches the mutual promise. It feels like some mutuals are drifting toward corporate-style tactics, charging more while relying on historical goodwill, then acting harshly at the first sign of trouble.

Consider alternatives like Halifax, NatWest, HSBC, etc. — they often offer more competitive rates and, in my view, more reasonable handling.
The situation remains ongoing...

Shambles wish I read the reviews all over the internet on these people shocking bad very rude and only interested in getting your money. They read from a script they say the same thing over and over. Avoid this business at all costs.

Called 3 times and each time on hold for almost 45 minutes, gave up at the end. All I wanted was my account number! They should get more staff, very poor customer experience.

Excellent service from Mortgage and Underwriting team.Very efficient and fast processing. Easy to discuss the case as the underwriters are accessible.
Great Experience.

From start to finish, an easy process.

I'd give this review no stars if I could. My IFA has been arranging a remortgage through Accord. I've been a customer for 5 years.

The "Senior Underwriter" has been struggling to make the affordability work for 2 weeks. Back and forth every 48 hours as they allow 48 hours timeframe to reply. 3 weeks later my IFA pointed out to her that she has put the wrong figures provided by my accountant, HMRC SA302 and IFA into the affordability form. She copy and pasted the wrong amount and was £15,000 down on my income. To add fuel to the fire the "Senior Underwriter" doesn't work on a Friday and works part-time hours so the whole process is over timeframes set out on their website.

When told the underwriter had the wrong numbers she didn't apologise to my IFA and has now booked a valuation which we paid for 2 weeks ago.

All in all a complete shambles - massively impacting my mental health. Avoid this company at all costs.

Really straightforward from application to offer in a few days. Excellent service!

As a mortgage broker i had a very tricky case. Underwriter Sam McNamara went above and beyond and opened a direct line of enquiry with me via email and phone. If she didn't do this, the case would have been a disaster. In a world where underwriters put up a wall between brokers and customers, Accord have got it right, and Sam is a true credit to how underwriting and broking should be as a joint effort to get the best result for the customer. Our customer is extremely happy and i've made it clear to them that having Sam on our side was the best way we were able to achieve their offer. Thank you!

Underwriter understood a very complex situation for a self-employed customer. Very impressed

Efficient, speedy and informative service.

Accord underwriting team a great and very responsive and open to discuss difficult cases

Quick and very responsive.

Our firm has used Accord on occasion in the past but mainly for high value loans on residential purchases for clients who have diverse incomes or were business owners. This was our first time submitting a case where the client had some recent history of missed payments (within the last 12 months). Accord were very receptive to this case where a number of other lenders weren't (pretty much ALL lenders). They could look at the client's credit file and deem it was purely circumstantial. From Decision in principle to Offer the case took 2 weeks and the client had their mortgage complete within the same month of submission. I could not be happier with the service and the outcome. Our client said it was life-changing and Accord helped that happen!

The only drawback was the mortgage case was a port and top up case and it was done manually and paper based.