Switch your mortgage deal

If your current deal is about to come to an end, or you are considering switching deals, we've got a range of mortgages to choose from.

Important information for Buy to Let customers- Please note we do not currently allow Buy to Let customers to switch deal online. The information below relates to Residential customers only.
Find out more about changing your Buy to Let deal >


6 reasons why switching is so easy!

What you will need

1
You can reserve your new deal
You can reserve a new deal up to 90 days before your current deal ends. If Early Repayment Charges apply, you can even delay switching until they no longer apply!  
2
You can switch quickly
If you'd prefer, you can switch deal in a matter of days/hours. It commonly takes 8 weeks if you were to move to another lender.
3
We've already checked your eligibility
Save yourself from the pain of reapplying all over again because we only offer deals that we know you are eligible for.  
4
There's no credit check
Switching your deal with us will not affect your credit rating. Remortgaging with another lender would.  
5
There's no need for a house valuation
Since you already have your mortgage with us.  
6
There's no need for a solicitor
You won't need a solicitor to help you switch deal. You will if you remortgage with another lender.  

 

What happens if I don't switch?

If you don't do anything then your mortgage will go onto our Standard Variable Rate (SVR).
  • Your mortgage payments could go up or down
  • You can make unlimited overpayments
  • You can pay your mortgage off early with any Early Repayment Charges

How does it work?

It's easy & simple. Switch your deal in just 4 simple steps.

1

We send a reminder
Around 90 days before your current deal is due to end, we'll contact you. We only offer you deals that we know you're eligible for and we'll send you these in the post.

2

Review your options
To compare monthly payments you can retrieve your mortgage online, you just need your mortgage account number. You'll find this on any letter we've sent about your mortgage.

3

Choose a new deal.
Look through our latest deals right now and find the deal that's right for you.

4

Switch your deal!
You can do this online or over the telephone. Once you’ve made your choice and paid any fees we will confirm your new deal. You'll receive a letter confirming your changes.

Things to consider

You should only switch online if:

  • You're sure that you don't need advice on requesting a new deal.
  • You're not changing any other details of the mortgage such as the term of the mortgage or the repayment method or wanting to pay a lump sum.
  • You're not borrowing more or making a lump sum payment.
  • No part of your current mortgage is on an 'interest only' repayment method.
  • You're not moving from one self-certification mortgage to another.

Ways to apply

If you're happy to stay with us, have all the information to hand and have read the things to consider above, then you are ready to get started. You can switch in minutes. Alternatively, you can get advice from your broker about what to do next.

Apply online

You don't need to be registered for online access to do this. You'll just need your mortgage account number. You'll find this on any letter we've sent you about your mortgage.

Will Accord offer me advice?

If you're applying online, advice is not offered.

Switch your deal

Apply by telephone

Talk to one of our friendly mortgage advisers

Will Accord offer me advice?

If you're applying by telephone, it's your choice.

 

0345 1200 891*

8am - 8pm : Monday to Friday
9am - 1pm: Saturday

Need to pay fees?

You can pay any outstanding Product Fee or Early Repayment Charges by calling us on 0345 1200 891*.