Transfer of Equity

If your client wants to add or remove someone from an Accord mortgage, you need to complete a Transfer of Equity application

There are times when your clients' circumstances change and they may need to change the borrowers on their mortgage. With your help, we make this as straight forward as possible.

How does it work?


Obtain a Mortgage Illustration by using our simple illustration request form.

You’ll need to do this before you can proceed any further with the application.

We’ll aim to email the Mortgage Illustration to you within 24 hours.



Once you’ve got the Mortgage Illustration, download and complete the

Send it to us at:
Variations Team, Accord Mortgages, PO Box 1145, Yorkshire House, Yorkshire Drive, Bradford BD5 8LJ

Don't forget to send the supporting documentation along with the application form.


Once received, we’ll allocate the application to a dedicated underwriter.

Your underwriter will call you to discuss how we can issue a mortgage offer as soon as possible.

They will also give you a direct contact number and email address so they can answer any questions you may have.


Transfer of Equity criteria

The last 12 months’ mortgage payments must have been made in full and on time

  • A credit search will be carried out for all applicants

  • Proof of income will be required in the form of payslips and bank statements

  • Proof of identity and residency will also be required for anyone being added to the mortgage

Your client(s) will need to pay a non-refundable processing fee of £180.
Due to a change in those named on the mortgage, a revaluation of your client’s property may be required. There is a non-refundable £70 fee for this.
Providing it meets our affordability criteria, your client(s) can borrow more money as part of their Transfer of Equity. You’ll need to fill out the relevant section on the application form.
We don’t pay a proc fee for Transfer of Equity cases.

Important things to consider

If the customer purchased their property under the Help to Buy Equity Loan Scheme, evidence of permission from Homes England/Help to Buy (Wales) Ltd is required before submitting a Transfer of Equity application.

Product finder

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

  Product finder


Affordability Calculator

Our Affordability Calculator will give you a quick estimate of how much your client could borrow.

  Affordability calculator


TOE guides & literature

Legal advice documents for change to non-owner borrower