Accord Mortgages Reviews 

If I could give no stars I would.
We sent off our application paperwork at the end of January. When we hadn’t heard anything by March we contacted Accord and it was realised that only half of our application had been viewed and so we had to send our documents through again. We have since had weeks/months of being asked various questions and for more documents, some of which had already been provided. With a weeks’ or so wait between each request. Then a new home report was requested as the original one was over 3 months old. This would not have been required if our application had just been looked at when we first sent it in, and added at least 3 weeks to our waiting period.
We are now coming in to the end of April (3 months later!) and we still haven’t had an answer or mortgage offer. Not only is this causing significant stress and anxiety, but it is also likely costing us money in solicitor and broker fees as we have had to chase them so often.
Honestly the level of incompetence and lack of communication is shocking

PLEASE AVOID. Offered a mortgage deal but when I phoned to get the deal I was told it had expired (7 days after receiving the offer paperwork) anyway the newer deal would be £25 more but Accord Mortgages couldn't honour the initial deal. So waited for new paperwork which again arrived late. Phoned to get an extension and was given 7 days. However posted the mortgage paperwork using their second class envelope they provided on for the post to be delayed. Accord then phoned me and I asked to phone me back as was busy but the rude person said I'm not able to call you back how rude so phoned back later and was told the form arrived on 10th but the deal was only up to 8th so either postal delay or Accord didn't properly process internally so now we have to have a new deal another £15 more so now we're £40 more than should be because of Accord. I would advise to look elsewhere as this company is substandard on many levels. Update even though Accord replied below they did nothing to help!

The service was perfect!!

Sue worked quick and efficiently on the case and we received the outcome the client wanted.

Great offering for First Time Buyers and speed of service

can do attitude with clear and transparent Underwriting.

Excellent Service from Start to Finish

I’ve had nothing but a positive experience with Accord.

They come across as a very common-sense lender, with underwriters who are polite, helpful, empathetic, and, most importantly, understanding. They may ask for more documents than some lenders, but everything requested is always perfectly reasonable, and they review them extremely quickly.

They never needed chasing—they just get things done, which made the whole process far less stressful.

I also spoke to a lovely lady called Karen back in January 2026 during my mortgage process. She was an absolute delight to speak to and provided one of the best customer service experiences I’ve ever had.

Highly recommended

I've had a buy to let mortgage with Accord for 5+ years and always found them very easy to deal with. I particularly like that its easy to get through to speak to a real person and also they are knowledgeable and answer any questions efficiently.

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.