Accord Mortgages Product Transfer Advice
Independent advice on switching your Accord Mortgages rate. Accord is the intermediary-only arm of Yorkshire Building Society. No fee for a like-for-like switch.
Why use Aspect Mortgages for your Accord product transfer?
Advice, not just information. We recommend the right option for you, not just the easiest one.
Whole market comparison. We check 90+ lenders before recommending you stay with Accord.
No fee for a like-for-like rate switch. Straightforward advice at no cost to you.
We lock in your rate early. We act as soon as the Accord booking window opens so your rate is secured promptly.
We sense-check rates before completion. A few weeks before your new deal starts, we review the latest rates to make sure you are still on the best available option.
We look after you for life. We will remind you before every future deal end date so you never drift onto the Standard Variable Rate.
Accord Mortgages and Yorkshire Building Societ: what is the difference?
This is worth clarifying before anything else, because it genuinely matters for what we can and cannot do on your behalf.
Accord Mortgages is the intermediary-only lending arm of Yorkshire Building Society. Accord products are only ever sold through registered mortgage brokers, with no branch network, no direct application route and no Accord-branded website for customers to use. If you took out your mortgage through a broker, and that mortgage is with Accord, then a broker is the only way to arrange a product transfer.
Yorkshire Building Society is a separate entity that deals directly with its own members. Yorkshire Building Society has its own branch network and its own direct mortgage range, which is distinct from Accord's product range.
If your mortgage is held directly with Yorkshire Building Society rather than Accord, we are not able to arrange a product transfer on your behalf. Yorkshire Building Society does not process product transfers through mortgage brokers. What we can do in that situation is review the open market and advise on whether remortgaging to a new lender makes sense for your circumstances.
If you are not sure which of the two your mortgage is with, check your original mortgage offer or your most recent annual statement. The lender name will be clearly stated.
Note that Yorkshire Building Society is an entirely different organisation to Yorkshire Bank, which is a high street bank and has no connection to Yorkshire Building Society or Accord Mortgages.
How does an Accord product transfer work?
When your current Accord deal ends, you will be offered a new rate from Accord's existing borrower product range. No solicitor is required, no physical valuation takes place and, for a like-for-like switch, no new credit check or affordability assessment is needed.
Accord contacts customers around 90 days before their deal ends. That is when they send a reminder letter setting out the options available. We recommend speaking to us around this point so we can review Accord's offer alongside the wider market before you make a decision. Acting early means you have time to consider both routes properly rather than making a quick decision under time pressure.
No credit check for a standard product transfer. Accord does not carry out a new credit assessment for a like-for-like rate switch. The key eligibility conditions are that your mortgage payments are up to date and you are not in arrears of more than one month's payment. Changes to your financial circumstances since you took out the mortgage, a change in employment, a reduction in income, or changes to your household — do not affect your ability to transfer to a new rate on the same terms. This makes Accord's product transfer accessible even where a remortgage to a new lender might not be straightforward.
Accord uses an indexed valuation. Rather than requiring a physical survey, Accord applies an automated index valuation to establish your current property value and loan-to-value. If you believe your property has increased in value significantly, you can request a revaluation at the point of the product transfer application. A higher property value could place you in a lower loan-to-value band and open up better rates.
Term changes are available through the product transfer process. Unlike some other lenders, Accord does allow changes to your mortgage term or repayment type to be made alongside a product transfer. Where there is more than one applicant on the mortgage, Accord will require identification documents for each applicant if a term change is included. If extending the term would take the mortgage past your anticipated retirement age, Accord may carry out an affordability assessment.
If your deal has already ended, you will have moved onto Accord's Standard Variable Rate (SVR). There are no early repayment charges on the SVR, so you can switch to a new deal at any time without penalty. If you are on the SVR, it is worth acting promptly as the rate is significantly higher than Accord's fixed rate range.
Use our repayment calculator to see what a change in rate could mean for your monthly payments before we speak.
For many homeowners, particularly those in unstable financial circumstances or with limited equity, a product transfer can be the most practical and cost-efficient option. But it is not automatically the right choice, which is why it is worth speaking to an adviser about your options.
What if you want to make changes at the same time?
A standard Accord product transfer covers a rate switch on the same terms. Term and repayment type changes can be included in the product transfer process, as noted above. The following would require a separate application:
Additional borrowing cannot be combined with a product transfer through the same submission. If you want to borrow more at the same time, this would need to be handled as a separate further advance application alongside the product transfer. We will manage the sequencing of both if needed.
Adding or removing a borrower requires a full application and falls outside the standard product transfer process.
Porting the mortgage to a new property and a product transfer cannot be done at the same time. Accord requires that the port completes first, with at least one payment made on the new mortgage, before a product transfer application can be submitted.
Where structural changes are involved, it is always worth checking whether remortgaging to a new lender might work out better overall. We charge a fee of £495 for advice on applications involving structural changes and will always make this clear before you commit to anything.
Accord Product Transfer vs Remortgage
Accord has built a strong reputation in the intermediary market for flexible underwriting and a common-sense approach to lending. Their existing borrower product range is competitive and the product transfer process is straightforward. The fact that Accord is broker-only means you will not be navigating the process alone in any case.
That said, the right question is always whether Accord's rate is the best available to you across the whole market. We have access to over 90 lenders. Sometimes staying with Accord is the right answer. Sometimes a remortgage to a new lender will offer a better rate or more flexibility, particularly if your circumstances have changed or your equity position has improved. We will compare both and give you a straight recommendation.
We do not charge a fee for a like-for-like rate switch. Our standard advice fee of £495 applies when structural changes are involved.
Not sure whether a product transfer or a remortgage is the right move? Our guide to fixed vs tracker mortgages can also help if you are deciding which type of rate to take. We cover the full range of mortgage options and can talk you through the numbers at no cost.
Frequently Asked Questions
What is Accord Mortgages and how does it differ from Yorkshire Building Society?
Accord Mortgages is the intermediary-only lending arm of Yorkshire Building Society. Accord products are only available through registered mortgage brokers and have always been distributed this way. Yorkshire Building Society is a separate entity that deals directly with its own members. If your mortgage is held with Yorkshire Building Society directly rather than through Accord, a product transfer through us is not available, though we can review the open market and advise on remortgaging to a new lender if that is the right move for your circumstances. Yorkshire Building Society is also an entirely different organisation to Yorkshire Bank, which is a high street bank with no connection to the Building Society or to Accord.
Can I do an Accord product transfer through a broker?
Yes, and it is the only way to do it. Accord is an intermediary-only lender and does not deal with customers directly. All Accord product transfers must be submitted through a registered mortgage broker. We handle the application on your behalf, compare the rates Accord can offer against the wider market, and give you a clear recommendation before anything is submitted.
When can I start looking at Accord product transfer rates?
Accord sends a reminder to customers around 90 days before their deal ends. We recommend speaking to us around this time so we have the opportunity to compare Accord's offer against the wider market before you commit. If your deal has already ended and you are on Accord's Standard Variable Rate, you can apply to switch at any time with no early repayment charge.
Does Accord carry out a credit check for a product transfer?
No. Accord does not carry out a new credit assessment or ask for proof of income for a standard like-for-like product transfer. The main eligibility conditions are that your mortgage payments are up to date and that arrears do not exceed one month's payment. Changes to your financial circumstances since you took out the mortgage do not affect your ability to transfer to a new rate on the same terms.
Can I change my mortgage term as part of an Accord product transfer?
Yes. Unlike some other lenders, Accord does allow term and repayment type changes to be made through the product transfer process. Where there is more than one applicant on the mortgage, identification will be required for each applicant if a term change is included. If extending the term takes the mortgage past your anticipated retirement age, an affordability assessment may be required.
What happens if my Accord deal has already ended?
You will have moved onto Accord's Standard Variable Rate. There are no early repayment charges on the SVR, so you can switch to a new deal at any time. The SVR is significantly higher than Accord's fixed rate range, so it is worth acting promptly. Contact us and we will review your options across Accord and the wider market.
My mortgage is with Yorkshire Building Society, not Accord. Can you still help?
Yes, though the route is different. Because Yorkshire Building Society does not process product transfers through mortgage brokers, we cannot arrange a rate switch on your behalf in that situation. What we can do is review the open market and advise on whether remortgaging to a new lender is the right option for your circumstances. In many cases it will be, and we can handle the full process.
What other mortgage services does Aspect Mortgages offer?
As well as product transfers, we advise on remortgages, first time buyer mortgages, home mover mortgages and buy-to-let mortgages. We also have specialist advisers for self-employed applicants, contractors and professionals. See the full range of mortgage services we offer.
Why Choose Aspect Mortgages?
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There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £495 for a residential/buy to let mortgage or £1495 for an equity release/retirement mortgage.
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