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Accord Mortgages Product Transfers for Existing Borrowers

At YesCanDo Money, we make the mortgage process simple and stress-free. As a free mortgage broker, we’ll help you with every step of your Accord Mortgages product transfer. Here’s a quick guide to help you understand how Accord Mortgages product transfer for existing borrowers works. View current live accord mortgage rates for existing customers below.

A product transfer means sticking with your current mortgage lender and transferring from your current product mortgage rate to a new one.

Staying with Your Current Lender Means…

  • Easy to switch to their latest best Fixed or Tracker deal

  • No credit checks, income checks, or valuation needed

  • Takes as little as 15 mins – see your options online instantly

  • FREE Mortgage Transfer service – so doesn’t cost you a penny

  • Lock-in your best rate up to 6 months before your deal expires

  • A fast and simple alternative to a remortgage

  • Bad credit / missed payments not a problem (if mortgage up to date)

We help hundreds of customers each month transfer mortgage rates with their existing lender. It’s a great option if you don’t need to consolidate or borrow extra, or if now is not the ideal time for you to apply for a remortgage.

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    Accord Mortgage Rates for Existing Customers

    As an existing customer of Accord Mortgages, you have access to a range of competitive fixed-rate mortgage options tailored to suit different loan-to-value ratios.

    Below are the current residential, buy-to-let, fixed, and offset Accord mortgage rates for existing customers as of 1st August 2024, helping you make an informed decision about your mortgage needs.

    Fixed Rates for Existing Accord Mortgages Customers – 65% Loan to Value

    Rates for existing customers current as of 1st August 2024

    Please provide a valid CSV file.

    Fixed Rates for Existing Accord Mortgages Customers – 75% Loan to Value

    Rates for existing customers current as of 1st August 2024

    Type Rate To Fee LTV
    2 year Fixed 5.21% 30/11/26 £1,495 75%
    2 year Fixed 5.30% 30/11/26 £995 75%
    2 year Fixed 5.41% 30/11/26 £0 75%
    3 year Fixed 5.24% 30/11/27 £0 75%
    5 year Fixed 4.73% 30/11/29 £1,495 75%
    5 year Fixed 4.85% 30/11/29 £995 75%
    5 year Fixed 5.09% 30/11/29 £0 75%

    Fixed Rates for Existing Accord Mortgages Customers – 80% Loan to Value

    Rates for existing customers current as of 1st August 2024

    Please provide a valid CSV file.

    Fixed Rates for Existing Accord Mortgages Customers – 85% Loan to Value

    Rates for existing customers current as of 1st August 2024

    Type Rate To Fee LTV
    2 year Fixed 5.59% 30/11/26 £1,495 85%
    2 year Fixed 5.67% 30/11/26 £995 85%
    2 year Fixed 5.87% 30/11/26 £0 85%
    3 year Fixed 5.74% 30/11/27 £0 85%
    5 year Fixed 5.10% 30/11/29 £1,495 85%
    5 year Fixed 5.20% 30/11/29 £995 85%
    5 year Fixed 5.42% 30/11/29 £0 85%

    Fixed Rates for Existing Accord Mortgages Customers – Offset

    Rates for existing customers current as of 1st August 2024

    Please provide a valid CSV file.

    Buy to Let Rates for Existing Accord Mortgages Customers – 60% Loan to Value

    Rates for existing customers current as of 1st August 2024

    Please provide a valid CSV file.

    Buy to Let Rates for Existing Accord Mortgages Customers – 75% Loan to Value

    Rates for existing customers current as of 1st August 2024

    Please provide a valid CSV file.

    Get a Personalised Mortgage Rate!
    With our fee-free advisors, secure a rate tailored to you. Benefit from expert guidance and make informed decisions. Reach out today for a mortgage that fits your financial goals!

    Accord Product Transfer Eligibility Criteria

    To be eligible for a product transfer with Accord Mortgages you must:

    • Mortgage Tenure: You must have had your mortgage with Accord for at least 12 months. For Credit Repair mortgages it’s 24 months, provided all monthly payments have been made on time.

    • Property Status: The property must be your main residence.

    • Payment History: No more than one late or missed payment in the last 12 months. For Credit Repair product holders, there have been no missed monthly payments in the last 24 months.

    • Mortgage Balance: Your mortgage balance must be £10,000+

    Accord Product Transfer Application Process

    With our fee-free mortgage support, transferring your Accord Mortgage product is quick and easy. We do it all for you and update you throughout.

    • Online Application: We will handle the online application process for you. Simply provide us with your mortgage account number, property address, and contact details.

    • Submission Timeline: We can submit a transfer request on your behalf up to 90 days before your current product ends. If your current product is within its Early Repayment Charge (ERC) period, we will schedule the transfer to avoid these charges unless you opt to pay them.

    • Acceptance of Offer: The new product offer must be accepted within 14 days of issue. If the offer is not accepted within this time, we will request a new one for you.

    At YesCanDo Money, we manage all these steps to ensure a smooth and efficient product transfer process. We will calculate wether you will benefit from a lower rate by paying product fees to Accord and also if these are payable upfront.

    If you are unsure of your options, we can review your mortgage statement and current rate online to determine which new mortgage product would be most beneficial to you. Contact us today to get started.

    Product Transfer Details

    • Rate Changes: If rates fall before your new product starts, you can switch to the new rate up to 14 days before the start date, as long as all other terms are the same.

    • Early Repayment Charges: If your current product is within the ERC period, charges will apply unless you wait until the period ends.

    • Additional Borrowing: If you want to borrow more, you need to complete the additional borrowing process before applying for a product transfer. Speak to us about borrowing more.

    Additional Information

    • Interest-Only Mortgages: If you have an interest-only repayment method, we will speak to you to confirm that your repayment strategy is on track before we process the product transfer.

    • Self-Certification Products: If you have a self-certification product and can now prove your income, you can transfer to a full-status product.

    • Overpayment allowances: As an annual concession, Accord allows overpayments of up to 10% of your outstanding balance without early repayment charges. Before making regular or lump sum overpayments, first, check with your lender to ensure that this amount falls within your overpayment limits.

    Accord Product Transfer Rates – Early Repayment Charges

    Please provide a valid CSV file.

    How a Mortgage Broker such as YesCanDo Money can help

    At YesCanDo Money, we offer free, full-service mortgage broking to help you through the mortgage product transfer process. We do the paperwork, we give you expert advice, and we get you the best mortgage deal available, all for free. Our team of experienced brokers will make the process as painless as possible, saving you time and hassle.

    • fee-free advice and mortgage service

    • we compare with 95+ other mortgage lenders to make sure you have the best deal

    • we are 5-star rated on Trustpilot with over 1000 reviews

    Frequently Asked Questions

    A product transfer is when an existing borrower switches to a new mortgage deal with the same lender (in this case, Accord Mortgages).

    Typically, product transfers are unlikely to be declined. However, individual circumstances may vary, so working with a mortgage broker is essential to increase changes of approval.

    A product transfer allows existing Accord clients to switch to a new mortgage deal without changing lenders. In contrast, a remortgage involves switching to a different lender altogether.

    The duration varies, but typically, product transfers are quicker than remortgages. A rough timescale for a mortgage product transfer with Accord Mortgages is typically within a few weeks. However, individual cases may vary, however working with a broker will speed up the process.

    Yes, you can remortgage early with Accord, subject to any applicable early repayment charges. It’s essential to check the terms and conditions specific to your mortgage.

    fee free Accord Mortgage Advisers

    Fee Free Mortgage Advice

    FREE dedicated support throughout, we have full-market access to the best rates & deals on over 14,000 mortgages. We do everything for you for free! Call us, WhatsApp us, or fill in our contact form and let us know the best time for us to call you. We will get one of our mortgage advisors will be in touch to talk through your situation and available options.

    Product Transfer Form

    Please provide us with your mortgage details in the form below. Once we receive your information, one of our fee-free mortgage advisers will be in touch to discuss your mortgage rate switch options. We are here to help you find the best rates and terms tailored to your needs.

    Picture of Grant Humphries (CeMAP)
    Grant Humphries (CeMAP)

    Grant Humphries (CeMAP) is a proficient Mortgage & Protection Adviser at YesCanDo Money. With a career spanning since 2001, Grant has honed his expertise in understanding mortgage lenders' criteria, complex financial situations, and the nuances of the mortgage market. His deep knowledge enables him to provide tailored solutions, especially for professionals and those with unique financial profiles. At YesCanDo, Grant's commitment to excellence is evident. He takes pride in guiding clients through their mortgage journey, ensuring they feel confident and informed at every step. From first-time buyers to seasoned investors, Grant's analytical approach and dedication make him a trusted adviser in the financial landscape

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