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Remortgaging

Our range of residential remortgage products could help your clients save money.

Our product range currently includes:

  • Fixed, offset , and tracker mortgage deals
  • LTVs up to 90%
  • Terms from 2 to 5 years

 

Use our online product finder to search for the right remortgage deal for your client.

Product finder

Why choose Accord for your client’s remortgage?

Selected remortgage products also come with a choice of incentives, helping your clients to save money when they want to switch mortgage deals:

£

Cashback on selected remortgage deals

Paid standard valuation.

Remortgage Legal Service.

Borrow on a
Capital & Interest,
Interest Only or
Part and Part
basis.


Remortgage criteria

We will accept all purposes for a remortgage except raising capital for a business. At least one applicant must have owned AND lived in the property to be remortgaged for a minimum of 6 months prior to the date of application.

The following maximum loan and LTV limits are in place for remortgages:

Borrowing amount Maximum LTV
Up to £5,000,000 75%
Up to £2,000,000 85%
Up to £600,000 90%

 

Interest Only borrowing

Please be aware that different criteria apply for interest only mortgages. Please see our lending criteria for further information.

 

What is your client’s remortgage for?

‘My client is remortgaging to raise capital’

The maximum LTV for this purpose is 90%, subject to normal product and LTV limits.

‘My client is remortgaging to consolidate debt’

  • The maximum LTV for this purpose is 80%, subject to normal product and LTV limits.
  • Maximum £50,000 limit or maximum of 10 debts to be repaid

‘My client needs to do some home improvements’

The maximum LTV for this purpose is 90%, subject to normal product and LTV limits. Estimates may be required.

‘My client is switching from their existing mortgage – no further borrowing is needed’

The maximum LTV to switch without further borrowing is 90%, subject to normal product and LTV limits.

‘My client is switching from their existing mortgage – no further borrowing is needed but the second charge is to remain’

The maximum LTV to switch without further borrowing is 90%, subject to normal product and LTV limits. The loan is subject to postponement of the existing second charge (another loan secured against the property) and looking at your client’s affordability through income deduction.


Ready to go?

Use our online product finder to search for the right remortgage deal for your client.

Remortgage Legal Service

Our Remortgage Legal Service is a quick, easy to use service.

Provided in association with LMS, the Remortgage Service is available for a selection of our remortgage products.

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