Guide to Lending Decisions | Accord Mortgages
- Provide as much information as possible: it all contributes to the credit score and could make the difference between a quick "Accept" and waiting for a referral.
- We identity check your clients online.
- We check your client's credit record online.
- We aim to check and reply to referrals within 4 hours.
- An Accept decision is subject to:
- A satisfactory valuation of the property to be mortgaged.
- The information provided remaining unchanged.
- The information provided during the full mortgage application meeting
What you'll need for a lending decision
HINT
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The more you can tell us about your client's income, the more likely we are to give you an immediate lending decision.
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We take all income sources into account, including overtime, bonus and commission.
What next?
Once you've submitted the information - you'll either get an instant Accept lending decision or the information will be referred to our underwriting team for review. Please wait to receive an Accept lending decision before completing a full mortgage application.
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Clients looking to port their existing Accord mortgage? Make sure you follow these simple application steps.