A Buy to Let lender,

not just a lender that does Buy to Let

Sounds like a big ask, but we’re always listening to our brokers input and feedback and have used it to improve our proposition. We really believe that what we’ve created offers a genuine alternative for your Buy to Let clients.
We have teams dedicated to Buy to Let product development and underwriting, and our Business Development Managers and Business Development Advisers know our Buy to Let products and criteria like the back of their hand and are here to support you.


What makes us a Buy to Let lender?

Our criteria and products

  • No minimum income requirement

  • Top Slicing - the flexibility to use your client’s income to top up a rental shortfall (minimum income £50,000)

  • ERC Free 5-year products, giving landlords certainty and flexibility in a single product

  • Up to 80% LTV, including to first time landlords, portfolio landlords and those looking to Let to Buy, all available in England, Wales and Scotland
  • Remortgage with capital raising
  • Lower ICR for basic rate or zero rate tax payers and like-for-like remortgages

  • A comprehensive product range with different fee and incentive options - giving landlords the best fit for their needs

  • We lend to UK and Non-UK nationals (max LTV is 75% for those without indefinite leave to remain)
  • New Build Properties up to 75% LTV for houses and flats

Our service

  • Direct access to an underwriter you can call – who will look at your cases with common-sense

  • We’re integrated with sourcing systems – making it easier and faster to place a case with us. Removing the need to rekey data, saving up to 20 minutes per application, even more if placing several cases for a portfolio landlord

  • Our Mortgage Sales and Originations (MSO) has a range of features including viewing and printing offers, tracking cases in real-time and you can make changes to your client’s cases and the information you have provided

  • Enhanced portfolio capability reducing the amount of keying you need to do when submitting multiple portfolio cases to us through MSO

Buy to Let properties and tax guide

Updated for 2022 – Our tax guide is an essential resource for brokers who want to keep landlords up-to-date about the changes that affect them.



Product finder

Search our range of mortgage deals with our easy-to-use product finder tool.

Our criteria

Quickly find specifics of our lending criteria.

Rental calculator

Use our rental calculator to help work out the minimum rent required for a Buy to Let mortgage.

We really believe we’ve become a Buy to Let lender of choice but don’t just take our word for it, here’s what Jeni Browne, Sales Director at Mortgages for Business had to say:

It’s brilliant that Accord are continuing with their commitment to landlords by broadening their criteria. This combined with their refreshed systems, ‘can do’ approach to underwriting and competitive pricing means that they have now cemented their position as a serious lender for Landlords.

Our promise

When choosing Accord you can be sure you’ll get the Buy to Let service you need to support your landlord clients, all backed up with our promise to look at your cases with good old common sense.