Accord Mortgage Rates: Where the Broker-Only Lender Earns Its Place
11 October 2026
Accord Mortgage Rates: Where the Broker-Only Lender Earns Its Place
Accord Mortgages sells only through mortgage brokers, so its rates are published for brokers rather than for the borrowers who pay them. This page sets Accord's current fixed rates for buyers, remortgages and existing borrowers in one dated table, by loan to value (LTV) and fee, with the criteria that decide when Accord is worth a slightly higher price. Mortgage One is a whole of market mortgage adviser that places Accord cases beside high street and specialist lenders for buyers and remortgagers.
For a free initial consultation on whether Accord or a high street lender prices your case better, call 01202 155992 or contact Mortgage One.
Accord mortgage rates checked on 11 October 2026
At our 11 October 2026 check, Accord's lowest 2-year fix for a buyer was 5.28% at up to 75% LTV with a £1,495 fee, and its lowest 5-year fix 5.27%. On the £495 fee the same deals cost 5.40% and 5.33%. Accord cut its residential new business rates on 6 October 2026.
The tables set out Accord's prices as its product finder for brokers shows them: house purchase and remortgage fixes by LTV band on the £495 and £1,495 fees, then the product transfer range for existing Accord borrowers. Accord's purchase range starts at 75% LTV, so a buyer with a 40% deposit pays the same rate as one with 25%.
| Loan to value | 2-year fixed, £495 fee | 2-year fixed, £1,495 fee | 5-year fixed, £495 fee | 5-year fixed, £1,495 fee |
|---|---|---|---|---|
| Up to 75% | 5.40% | 5.28% | 5.33% | 5.27% |
| 75% to 80% | 5.41% | 5.29% | 5.34% | 5.28% |
| 80% to 85% | 5.43% | 5.31% | 5.36% | 5.30% |
| 85% to 90% | 5.60% | Not offered | 5.56% | Not offered |
| 90% to 95% | 6.59% | Not offered | 6.36% | Not offered |
Accord's standard purchase range, rates effective 6 October 2026. Accord's lowest purchase band is up to 75% LTV. Fee-free versions carry £300 cashback: 2-year 5.68% / 5.69% / 5.71% / 5.90% / 6.89% and 5-year 5.45% / no 80% deal / 5.48% / 5.68% / 6.48% across the five bands. First-time buyer versions at 90% and 95% LTV carry £500 cashback at the same rate. Loans £30,000 to £5 million up to 75% LTV, £50,000 to £2.6 million to 85%, £50,000 to £1 million to 90% and £50,000 to £750,000 to 95%.
| Loan to value | 2-year fixed, £495 fee | 2-year fixed, £1,495 fee | 5-year fixed, £495 fee | 5-year fixed, £1,495 fee |
|---|---|---|---|---|
| Up to 65% | 5.43% | 5.28% | 5.34% | 5.25% |
| 65% to 75% | 5.45% | 5.30% | 5.36% | 5.27% |
| 75% to 80% | 5.51% | 5.36% | 5.47% | 5.36% |
| 80% to 85% | 5.53% | 5.38% | 5.52% | 5.38% |
| 85% to 90% | 5.75% | Not offered | 5.63% | Not offered |
| 90% to 95% | 6.73% | Not offered | 6.44% | Not offered |
Accord's standard remortgage range, rates effective 6 October 2026. Most deals come in two versions at the same rate, one with free standard legal work and one with £500 cashback. At up to 65% LTV the fee-paying deals carry £500 cashback. The 95% 2-year fix with £500 cashback is 6.78%. Fee-free versions: 2-year 5.63% / 5.65% / 5.75% / 5.81% / 5.91% and 5-year 5.46% / 5.48% / no 80% deal / 5.60% / 5.75% to 90% LTV.
| Loan to value | 2-year fixed, £1,495 fee | 2-year fixed, no fee | 5-year fixed, £1,495 fee | 5-year fixed, no fee |
|---|---|---|---|---|
| Up to 65% | 4.96% | 5.32% | 5.15% | 5.34% |
| 65% to 75% | 5.07% | 5.52% | 5.20% | 5.41% |
| 75% to 80% | 5.25% | 5.68% | 5.31% | 5.50% |
| 80% to 85% | 5.26% | 5.69% | 5.32% | 5.55% |
| 85% to 90% | 5.47% | 5.79% | Not offered | 5.67% |
| 90% to 95% | Not offered | 6.33% | Not offered | 6.30% |
Accord's product transfer range for existing borrowers, effective 17 September 2026. £995 fee versions: 2-year 5.16% / 5.34% / 5.38% / 5.39% and 5-year 5.21% / 5.28% / 5.41% / 5.46% to 85% LTV. 2-year transfer tracker from 4.30% at up to 65% LTV (Bank Rate plus 0.55, £995 fee). No-fee 2-year fixes above 95% LTV: 6.70% to 100% and 6.72% to 120%. Every fixed rate in these tables runs to 31 January 2029 (2-year) or 31 January 2032 (5-year), and new business must complete by 31 January 2027. Source: Accord Mortgages product finder for brokers, read 11 October 2026. Accord changes rates without notice.
Early repayment charges on the 2-year fixes are 2.5% to 31 January 2028, then 2%. On the 5-year fixes they step down from 5% in the first year to 2% in the last. Every fixed deal allows overpayments of up to 10% a year without a charge.
The lower rate on the £1,495 fee does not always win. On a 2-year fix at 75% LTV the £495 fee deal costs less over the two years on any loan below about £420,000. On the 5-year fix the larger fee pays for itself on loans above about £340,000, because the rate saving runs for five years instead of two.
Are Accord's rates cheaper than the big high street lenders?
Not on headline rate. At 75% LTV Accord's 2-year and 5-year fixes for a buyer sat 0.08 to 0.21 points above the 5.19% average of seven big lenders checked on 10 October 2026. At 90% LTV the gap was 0.18 to 0.20 points. Accord competes on what it will lend, not on price.
Those averages come from each big lender's standard fee deals for a home mover on our current UK mortgage rates page, so the comparison is close rather than exact, because Accord prices on £495 and £1,495 fees. On a £250,000 repayment mortgage over 25 years, a gap of 0.12 points is about £18 a month.
The reason to use Accord is its criteria. It lends up to 5.5 times income through its Boost LTI range, to 99% LTV for some first-time buyers and up to £5 million at 75% LTV, which can turn a decline elsewhere into a mortgage at a price only a little above the high street average.
What Accord offers existing customers when a deal ends
Existing Accord borrowers can switch to a product transfer priced below Accord's own remortgage rates for new customers. At up to 65% LTV the 2-year transfer was 4.96% on a £1,495 fee against 5.28% for a new remortgage. The transfer range is effective from 17 September 2026 and offers a no-fee 2-year fix up to 120% LTV.
The transfer range runs on three fees, £1,495, £995 and none, plus a 2-year tracker at Bank Rate plus 0.55 points (4.30%) on a £995 fee. Borrowers above 95% LTV, including those in negative equity, can still move to a no-fee 2-year fix at 6.70% up to 100% LTV or 6.72% up to 120%.
Doing nothing is the expensive choice. A borrower whose fixed deal ends moves onto Accord's Standard Variable Rate, 6.74% since 25 January 2026, or onto one of its discounted variable rates. On a £250,000 repayment mortgage over 25 years, 6.74% costs about £270 a month more than the 4.96% transfer. Our remortgage calculator shows the monthly saving and break-even month on your own figures.
A transfer is still one lender's offer. A remortgage to another lender can beat it where the loan to value has fallen into a lower band or the borrower's income now suits a different lender's criteria, which is why the switch offer is worth setting against our remortgage rates by lender table before it is accepted. Our guide to the product transfer mortgage explains the switch window.
If your Accord deal ends within the next six months and you want the transfer offer set against the whole market, call 01202 155992 or contact Mortgage One.
Which borrowers do Accord's lending criteria suit most?
Accord suits borrowers whose case is sound but sits slightly outside high street limits. Its Boost LTI range lends 5 to 5.5 times income, its £5k Deposit Mortgage reaches 99% LTV for first-time buyers, contractors qualify from £300 a day, and loans run to £5 million at up to 75% LTV.
Boost LTI is open to first-time buyers up to 95% LTV with no minimum income, and to home movers and remortgagers up to 90% LTV with household income of £65,000 or more. The stretch costs a little: a Boost LTI 2-year fix for a buyer at 75% LTV was 5.48% on a £1,495 fee against 5.28% on the standard deal. Our guide to mortgage income multiples shows how far other lenders stretch.
The £5k Deposit Mortgage is for first-time buyers only, on existing houses and flats priced from £100,001 to £500,000 outside Northern Ireland, with a maximum loan of £495,000 and a maximum of 4.49 times income. It is a 5-year fix at 6.78% with no product fee. Our first-time buyer mortgage guide sets that against other low-deposit routes.
Contractors need a minimum income of £300 a day or £50,000 a year, with 12 months left on a fixed-term contract or 12 months of contracting history, or six months of contract work for day-rate contractors. Accord lends up to 5 times income on contract earnings, or 5.5 times through Boost LTI, and our contractor mortgages guide covers how other lenders read the same income.
For bigger loans Accord lends up to £5 million at 75% LTV and £2.6 million at 85% through a dedicated large loans service, with offset products available and interest-only lending up to 75% LTV. Our guide to large mortgages explains where other lenders cap. Applicants above 85% LTV who miss Accord's higher LTV scorecard can still be placed in its Cascade Score range at a slightly higher rate.
Why Accord mortgages are only available through a broker
Accord Mortgages is the intermediary-only lender in the Yorkshire Building Society group, so a new borrower can only apply through a mortgage broker registered with Accord. The broker submits the decision in principle and the application through Accord's own broker system, and Accord's underwriters deal with the broker directly. Existing borrowers can also switch deal directly with Accord.
Accord Mortgages Limited has its registered office at Yorkshire House in Bradford and brands its approach as common-sense lending, with underwriters a broker can speak to before a case is submitted. That access is what lets a broker test an unusual income or property against Accord's appetite without a failed application on the borrower's credit file.
For the borrower, the practical point is that every rate in our tables is open only through a broker such as Mortgage One. The same broker can test the case against lenders that sell direct and through brokers at once, which is the case for using a mortgage broker set out in full.
Accord buy-to-let and tracker rates beside the fixed range
Accord's tracker mortgages for buyers start at 4.53%, Bank Rate plus 0.78 points, at up to 75% LTV on a £995 fee, with no early repayment charge. Its buy-to-let range, sold as Accord Buy to Let, starts at 5.26% on a 2-year fix for a purchase at 60% LTV with a £3,495 fee.
Remortgage trackers start at 4.50%, Bank Rate plus 0.75, at up to 65% LTV. A tracker moves with Bank Rate, so a 0.25 point rise adds about £36 a month on a £250,000 repayment mortgage over 25 years at 4.53%. Bank Rate is 3.75% with the next decision due on 5 November 2026, and our tracker mortgage rates table shows the margins the big lenders charge. Our UK interest rate projection tracks where markets expect Bank Rate to go.
Accord cut its buy-to-let new business rates on 8 October 2026. A buy-to-let remortgage costs less than a purchase: the 2-year remortgage fix at 60% LTV was 5.04% and the 5-year 5.13%, both on a £3,495 fee, against 5.26% and 5.28% for a purchase. Our buy-to-let mortgage rates page covers the wider landlord market. Nationwide's landlord lender is priced on our Mortgage Works buy-to-let rates page, where a 3% fee brings its 2-year fix below 4%.
Expats paid abroad and seafarers on contract earnings are placed with lenders whose criteria read foreign and contract income, and our expat mortgage hub and seafarer mortgage hub explain how those cases are handled. Figures as of 11 October 2026, London.
To have Accord's criteria and pricing checked against your income type, deposit and loan size, call 01202 155992 or contact Mortgage One.
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The information provided in this article is for general guidance only and does not constitute personal or regulated financial advice. If you'd like to understand what these moves could mean for you, speak to Mortgage One. We can explain your options and timings based on your specific circumstances.
FAQs
1. What are Accord's current mortgage rates?
On 11 October 2026 Accord's lowest fixed rates for a buyer at up to 75% LTV were 5.28% on a 2-year fix and 5.27% on a 5-year fix, both with a £1,495 fee, or 5.40% and 5.33% on a £495 fee. Remortgage fixes started at 5.28% and 5.25% at up to 65% LTV.
2. Have Accord mortgage rates dropped?
Yes. Accord cut rates across its residential new business range from 6 October 2026 and its buy-to-let new business range from 8 October 2026. Its product transfer range for existing borrowers is the one effective from 17 September 2026.
3. Who owns Accord Mortgages?
Accord Mortgages Limited is part of the Yorkshire Building Society group. It lends to new borrowers only through mortgage brokers, while existing Accord borrowers can switch deal through a broker or directly with Accord.
4. Is Accord a good mortgage company?
Accord is a broker-only lender backed by Yorkshire Building Society, with criteria such as lending up to 5.5 times income and up to 99% LTV for some first-time buyers. Its rates sat slightly above the big high street lenders' averages on 10 October 2026, so whether it suits depends on your case.
5. What is Accord's standard variable rate?
Accord's Standard Variable Rate is 6.74%, cut from 6.99% on 25 January 2026. When a fixed deal ends, Accord moves the loan onto its SVR or onto one of its discounted variable rates, depending on the deal taken, unless the borrower switches to a new deal.
6. What is the £5k deposit mortgage at Accord?
It is a first-time buyer mortgage up to 99% LTV with a minimum deposit of £5,000, on existing houses and flats priced from £100,001 to £500,000. On 11 October 2026 it was a 5-year fix at 6.78% with no product fee, with borrowing capped at 4.49 times income.
7. Can existing Accord customers switch to a lower rate?
Yes. On 11 October 2026 Accord's product transfer rates sat below its new remortgage rates, from 4.96% on a 2-year fix at up to 65% LTV with a £1,495 fee. Comparing that offer with other lenders' remortgage rates shows whether a move would cost less overall.
8. Do I need a broker for an Accord mortgage?
Yes for a new mortgage, because Accord lends only through brokers. A broker also checks whether Accord's criteria fit your income, deposit and property, prices its deals on total cost including fees, and compares them with the rest of the market. Mortgage One runs that comparison across the whole of market.