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Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
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Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Accord is a UK mortgage lender that's only available through intermediaries. This means its deals can only be accessed through a broker.
Here, you can find out what real Accord mortgage customers thought about its service, what our expert analysis uncovered about its range of deals and the best Accord mortgage rates on the market right now.
Please note that this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
Why you can trust our Accord mortgage review
Real Accord customer views
We've asked 86 Accord mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Accord's mortgage rates to work out if it's a lender that offers competitive deals.
Accord scored well in our latest survey, with customers highly rating the clarity of mortgage statements and the ease of online access. However, it scored very poorly in our interest rate analysis. We found that you could typically find a better rate elsewhere.
78%
out of 21 mortgage lenders ranked on customer score
To see how Accord compares to other mortgage providers, head to our guide on the best mortgage lenders.
Which? analysed thousands of mortgages, using Moneyfacts data, over eight weeks in the summer/autumn of 2025. We compiled a series of top 10 cheapest deals tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.
The average was five table appearances per week. Accord was the third-worst-scoring provider, with an average of just 0.1 table appearances per week. This result means that for most mortgage scenarios, you could expect to find lower rates from other lenders during the period of our analysis.
You can see the mortgages Accord is currently offering first-time buyers, homemovers and remortgagers in the tables below. Be aware that you can only apply for an Accord mortgages through a broker.
To see how Accord compares with other mortgage providers, head to our guide to the best mortgage rates and deals, which is updated every day.
| 80% | Accord | 78% | 4.4% | £1,495 | 6.99% |
| 80% fee free | Accord | 78% | 4.58% | £0 | 6.99% |
| 90% | Accord | 78% | 4.66% | £495 | 6.99% |
| 90% fee free | Accord | 78% | 4.78% | £0 | 6.99% |
| 95% | Accord | 78% | 5.04% | £495 | 6.99% |
| 95% fee free | Accord | 78% | 5.16% | £0 | 6.99% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Accord had a sample size of 86.
| 60% | Accord | 78% | 4.21% | £1,495 | 5.99% |
| 60% fee free | Accord | 78% | 4.61% | £0 | 5.99% |
| 75% | Accord | 78% | 4.21% | £1,495 | 5.99% |
| 75% fee free | Accord | 78% | 4.61% | £0 | 5.99% |
| 85% | Accord | 78% | 4.28% | £1,495 | 5.99% |
| 85% fee free | Accord | 78% | 4.68% | £0 | 5.99% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Accord had a sample size of 86.
| 60% | Accord | 78% | 4.24% | £1,495 | 5.99% |
| 60% fee free | Accord | 78% | 4.53% | £0 | 5.99% |
| 75% | Accord | 78% | 4.24% | £1,495 | 5.99% |
| 75% fee free | Accord | 78% | 4.53% | £0 | 5.99% |
| 85% | Accord | 78% | 4.31% | £1,495 | 5.99% |
| 85% fee free | Accord | 78% | 4.6% | £0 | 5.99% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Accord had a sample size of 86.
Find the right mortgage using the fee-free service provided by L&C Mortgages
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked Accord mortgage customers about their experience with the lender.
Here's how customers rated Accord in various areas of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (eg telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (eg being able to overpay/underpay/take payment holidays) | |
| Online access (eg being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. The sample size for Accord is 86.
'Always very considerate and helpful'
It's not just customer scores and star ratings we have to help you choose a lender; we also have unique insights into what customers think about lenders.
In general, the feedback we received for Accord praised its customer service, with one person saying it is 'always very considerate and helpful' and another stating the 'customer service is great and they are always fair'.
Responses also commented on the 'smooth' application process. One customer commented that Accord is very straightforward to deal with.
A small collection of responses found that Accord offered them a mortgage when other lenders wouldn't.
When we checked in September 2025, there were 266 mortgages available from Accord. Most were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
Accord mortgages had initial periods of two, three, five or 10 years.
A smaller number of mortgages offered by Accord were tracker deals, with initial terms lasting two years before reverting to the Accord standard variable rate.
Accord will offer a maximum loan of 4.49x income for those earning below £50,000 (joint or sole). For those earning above £50,000 (joint or sole) they will offer a maximum loan 5x income up to 90% LTV.
Currently, Accord doesn't offer green mortgages.
All of Accord's mortgages have a maximum term length of 40 years.
Why should you trust Which? research? We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence
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