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How to submit Buy to Let business to Accord Mortgages

Update on our lending policies

Following the government’s announcement on restricting physical property valuations to enable social distancing and help prevent the spread of coronavirus, our valuers are currently unable to visit properties and carry out physical inspections. Click here to find out more about this update.


Follow these steps to get started

Step 1 - Register with Accord BTL

We only accept business from selected lending partners so - check our Register for details and then complete our complete our online registration form to get access to illustrations, Lending Decisions and our online application. We will email login details within 1 working day. You can then start to submit your applications.

Please note, even if you are already registered to submit residential applications to Accord, you will still need to register for Buy to Let.


    To register you’ll need to:

  • Provide some personal details
  • Provide details about your business and how you’re regulated
  • Tell us how best to contact you
  • Select your lending partner from our list
  • Ensure your client’s solicitor is on our approved panel of conveyancers by using our online panel checking tool .
  • If your client does not have a solicitor you can use our Conveyancing service prior to or during the application to instruct a solicitor on their behalf.

Step 2 - Find a product

It’s easy to find the right Buy to Let mortgage for your clients with Accord BTL.

If you’ve already browsed the various sourcing systems then you’ll see we’re well represented. We also provide a handy product finder for quick searching and filtering of products.


To register you’ll need to:

  • Check sourcing systems to see some of our best deals
  • Browse our product range with our handy product finder
  • Check our lending criteria for details on client affordability

Step 3 – Get a lending decision
(valid for 28 days)

Our lending decision process allows you to give us information about your client so that we can assess their affordability and provide you with a decision. It’s key that you provide as much information as possible – the more information we get, the more likely we are to give an immediate decision and we’ll be able to provide you and your clients with a better service.

If the decision is ‘Accept’ we will send you a list of the minimum documents we need (we may ask for more).

Our lending decisions last for 28 days so you’ll need to move onto the full application within that time. After this expires, you’d need to redo the lending decision. If you need to obtain a new lending decision, please start a new application instead of editing your existing decision. It’s easy to do this using the ‘Copy to DIP’ option.


  • Mortgage information such as purpose, loan amount, term etc
  • Your clients personal details
  • Their employment information
  • Their contact details
  • Financial details – income, outgoings and
  • HINT: the more you can tell us about your client, the more likely we are to be able to provide a quick lending decision.

Step 4 – Complete the Mortgage Application
(valid for 90 days pre-offer)

If you’ve found a product and obtained a successful lending decision, you’ll need to complete a mortgage application to reserve the product.

  • We'll start processing and request a valuation as soon as the valuation fee has been paid (unless you let us know you want to delay the valuation).
  • Please complete in full all the questions that apply to your clients. If new information later comes to light, we may need to credit check again and recalculate affordability. This could result in a case being declined that was previously accepted.
  • If you lose your product due to application* or offer expiry and need to select a new product, a new valuation may need to be carried out.
  • *The application will expire in either 90 days from submission or if cancelled by an underwriter due to non-activity (whichever is sooner). If the application doesn't go to offer in this time you'll lose the product(s) selected if they've been withdrawn since application.


    • Check our information on valuations
    • Make sure you have your client’s details to hand including their payment details for the mortgage
    • Look up the fees that need to be paid as part of the application

    Step 5 - The mortgage offer

    For each application your underwriter will let you know their contact details. They'll keep in touch with you about progress and let you know what documents we need.

    • Once we've looked at the documents, we may have questions or need more documents for the case to become “fully packaged”.
    • Valuation delays or post-valuation queries can slow us down sometimes, but we will do our utmost to act swiftly for you.
    • When we've got everything we need we aim to get an offer to you within 24 to 48 hours.
    • Offers are valid for six months. If the offer expires you'll need to start the whole process again, including paying any fees.


    • Your underwriter will be in touch when you submit an application

    Step 6 - Completion

    Once funds are released and the mortgage account opens, we’ll pay any procuration fee that’s due.

    • For all new BTL cases, we pay a fee of 0.5%. Please note, if you are part of the SimplyBiz or The Mortgage Alliance (TMA), 0.45% will be paid to you (the broker) and 0.05% will be paid to your lending partner.


    • Make sure you submit your business through the correct lending partner
    • Check your payment bank details are up to date

    Help & support when you need it

    We’re here to help and support you and your clients, not just when you submit an application to us but all the time. Here’s some of the ways we can help:

    • We have a team of underwriters dedicated to processing each Buy to Let application from start to finish.
    • To find your dedicated Business Development Manager (BDM) visit our Find your BDM page.
    • Alternatively, if you want to speak to a member of the BTL processing team visit our Contact Us page.

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