# Accord Mortgages Ltd

Accord Mortgages is an intermediary-only lender based in Bradford, specialising in residential and buy-to-let mortgages. They operate exclusively through mortgage brokers and intermediaries rather than direct consumers, positioning themselves as a specialist lender with distinctive product offerings and efficient processing.

The company serves mortgage brokers and financial intermediaries seeking competitive products for their clients. Their target market includes first-time buyers, property investors, new build purchasers, and those with non-standard circumstances such as contractors or applicants requiring larger loan amounts.

What sets Accord apart is their innovative product range, particularly the £5k Deposit Mortgage, designed to help first-time buyers with minimal savings access homeownership. They offer specialist propositions including offset mortgages, Boost LTI (allowing higher loan-to-income ratios), New Build mortgages, and products for contractors with complex income profiles. Their Cascade Score technology appears to provide underwriting advantages for certain applicants.

Operationally, Accord demonstrates commitment to efficiency with advertised timescales including a 22-minute average dial-to-pickup time on their underwriting helpline and 15 working days from application to offer. They actively support the Mortgage Charter, offering payment assistance solutions for clients experiencing financial difficulty.

Their digital-first approach encourages online document submission through their portal, and they provide brokers with practical tools including affordability calculators, offset calculators, and packaging guides to streamline the mortgage process.