Accord Mortgages Reviews 

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

It is unbelieveble what we was able to achieve for this young first time buyer. At first, we applied with other lender, as JBSP with her dad and monthly payment was so much higher for her because of his age, but transaction took longer then expected and we lost our offer. And Accord mortgages with help for first time buyers made it happen for her in sole name. I'm proud of her, myself and everyone is happy. Thank you so much.

I’ve been attempting to withdraw funds from my offset mortgage savings and found Accord/YBS the most unhelpful/incompetent financial institution I have ever dealt with.

I’m not sure they should be trusted with money and how are they FSA/FCA approved.

They even have my name wrong on my mortgage!

I have a complaint, SOMEONE please contact me.

Application process for homemover porting existing borrowing and borrowing more is very clunky and time consuming, with no AIP possible

The ease of online applications and the follow up and service recieved from all parties was excellent, We have a BDM Sarah Abbott who always replies with speed and knowledgeable answers so what is there not to like about Accord

Very helpful telephone staff with good product and criteria knowledge

I have 10 buy to lets and have remortgaged 20-30 times with a wide range of lenders and I can honestly say that Accord are the worst that I have ever had the displeasure of dealing with. They requested so many documents every few days, some of which were documents that do not even exist. I wasted 6 weeks, sent them all they asked and then, at the final check, the senior underwriter denied the application and would not say why to my adviser. There are plenty of decent lenders out there so please take my advice and do not look at Accord. You will be extremely frustrated and disappointed.

Great service from start to finish

Excellent experience with Accord. Their underwriters take a grown-up, pragmatic view of a case, and Sue Lowe in particular has been a pleasure to deal with. She combines sound judgement with a friendly, down-to-earth manner, and is always willing to talk something through rather than hide behind policy. In a market where lending has become harder and more cautious, that kind of common-sense underwriting is invaluable — it gets good clients the outcomes they deserve. Sue and Accord have earned my confidence and my continued business.

Great lender, call from the underwriter directly, gift on completion. Great service and quick! Thank you.