Accord Mortgages Reviews - www.accordmortgages.com

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★★☆☆☆
1.6 / 5
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Accord Mortgages - www.accordmortgages.com

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Latest Reviews

★☆☆☆☆

“Avoid!!!!!!!”

Written on: 27/06/2014

We recently changed our mortgage to Accord then we decided we needed a bigger house and as we were in a fixed term, chose to get a "top up" mortgage with them. We spent 6 months finding the dream house and after having an AIP we got all the paperwork together for them. We both have secure jobs and no bad credit. Our mortgage payments etc always paid on time. After several weeks they told us yesterday that yes we can afford the mortgage repayments but no they aren't going to lend to us . We are… Read Full Review

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★☆☆☆☆

“No customer Loyalty whatsover”

Written on: 25/06/2014 by Moran277 (1 review written)

Had a mortgage for 2 years with Accord. Came to the end of the Fixed Term of the mortgage and applied for a new mortgage for a new house through a Broker but has been refused. Me and my partner both have an excellent credit score and I have a much higher salary than 2 years ago due to a job change so just doesn't make sense but we apparently 'Don't meet their criteria' and they don't need to tell us why! Avoid this company!… Read Full Review

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★☆☆☆☆

“Total waste of space. AVOID AVOID AVOID!!!!!!!!!!”

Written on: 25/06/2014

I would advise everyone to avoid Accord Mortgages at all costs, they are probably the worst organisation I have ever had dealings with. They give false and mis-leasing information, force you to pay out extra money and constantly lose your paperwork - we have been paying their standard variable rate of 5.99%(!!!) for weeks now due to their incapabilities to simply process the signed documents we've sent them, they claim not to receive them even though we sent it tracked through Royal Mail and… Read Full Review

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★☆☆☆☆

“Look else where avoid at all cost ”

Written on: 20/06/2014 by TobyEngland296 (1 review written)

Avoid at all cost. Make sure you have all the paper work looked out and the they will come back looking for more and more. Can't organise them selfs at the beginning to give you a list of the paper work they need. Make it up as they along. Prepare for phone call after phone call to ask you minor questions! They work as slow as a week in the jail. Chocolate fir comes to mind about accord. Look else where!… Read Full Review

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★☆☆☆☆

“Unhelpful and refuse a lower rate mortgage”

Written on: 10/06/2014 by 258Lynch (1 review written)

When I was made redundant, I had at the time overpaid on my mortgage and was finding it hard to keep up the payments, even though I was not in arrears. My fixed term came to an end and Accord refused a lower rate deal on offer to others because I was unemployed! So they expected me to continue paying at a higher rate whilst unemployed but not offer a lower rate which would have been more affordable. When I took out the mortgage as a fixed rate I was told I would be offered a new rate deal after… Read Full Review

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★☆☆☆☆

“Treat loyal customers appallingly”

Written on: 05/06/2014 by mjlt (1 review written)

Wanted to renew mortgage after initial period and was only offered 5.5% when the base was 0.5%. Wanted to transfer the mortgage to a new house and despite being tied in with a massive £9k early repayment fee they have left me with no choice but to change lender as they have changed the conditions under which they will lend to us and will not port the mortgage in its current form despite this being possible at the time we agreed the mortgage. Managed to get a quote via a mortgage adviser who… Read Full Review

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★★★★★

“No issues, straight forward”

Written on: 18/04/2014 by Marlenec446 (1 review written)

Took out a mortgage last year with them, it did take 12-13weeks to get final approval but not really there fault. I had only been employed for 2/3 weeks at the start of the process and wife was going on maternity during the process. So from our side we had to produce a fair few documents, the payslip with bank statement showing that paying going in was what slowed us down. They did ask for one set then ask for a few more documents, showing additional pay, but straight forward. having been with… Read Full Review

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★☆☆☆☆

“WORST COMPANY I HAVE EVER DEALT WITH”

Written on: 22/03/2014 by SashaMcGuire106 (1 review written)

Without exaggeration, this company is the worst I have had the misfortune to deal with. I would genuinely advise anyone to never, ever, ever use this lender. They delay and delay and keep asking for more and more info. I supplied everything they asked for and more, but they kept making more and more ridiculous requests. After 4 months, I had to withdraw my application or risk losing the property I was after. This company should be banned from doing business. Avoid at all costs… Read Full Review

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★☆☆☆☆

“AIP then 4 weeks later refusal no reason! Timewasters.”

Written on: 28/02/2014

My husband and I were agreed in principle, passed credit check and supplied all documentation immediately for full application. After 4 weeks of waiting and chasing with no updates, they refused application! No reason given, the only problem was that our previous address was written differently on equifax (called Apartment instead of Flat) but the mortgage broker said she had informed them this was the problem. They gave no further information. Why could they not have said no immediately, we… Read Full Review

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★☆☆☆☆

“This Company should not be allowed to be in business. ”

Written on: 08/02/2014 by asi001 (1 review written)

I applied for a buy - to - let mortgage with these clowns it was the worst experience of my life. They make you jump through hoops and the hoops get smaller and smaller. Four months later they rejected my application I will probably loose the property they kept asking for more information, I gave them everything they asked for. This company should cease trading asap, they are not capable of… Read Full Review

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★☆☆☆☆

“Accord ... Robbers ”

Written on: 07/02/2014

Base rate was 0.5% charging loyal customers 5.99%. Instead of approximately 190 pm I was getting charged 500, thank you for the help through the hard times accord, I am now selling my property to cut all ties with this joke of a company. Never again and recommend you cut your hand off before considering the call that will lead to dispear… Read Full Review

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★☆☆☆☆

“I am now ill because of this shamble of a company”

Written on: 30/01/2014

Applied back in early December, they said yes in principal. Paid the fees to go through next step Thursday before Christmas, didn't hear back to first Monday in Jan. Still all good. Next day, we need more details, submitted within 5 minutes of them requesting. Didn't hear back until the next week when I had to phone them, they say this should of never gone through in the first place, the underwriters said no, I say why have you charged me fees to go through with it? They say a refund will be… Read Full Review

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★☆☆☆☆

“Avoid like the plague”

Written on: 24/01/2014 by Angrykaty (1 review written)

Idiots!! Unhelpful, patronising, useless idiots!! They don't care about individual cases as long as they get their money. Told one of them to F off today I was so angry. Am reporting them on Monday… Read Full Review

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★☆☆☆☆

“Worst company - basically a bunch of thiefs ”

Written on: 24/01/2014

I WILL NEVER USE THIS COMPANY AND WOULD URGE ANYONE WHO IS THINKING ABOUT IT TO RECONSIDER THEY ARE BASICALLY DO YOU KNOW THEIR VARIABLE RATE IS 5.99 THE CURRENT BASE RATE IS 2.50%, THIS COMPANY HAS BEEN THE WORST AND MOST INCOMPETENT I HAVE EVER DEALT WITH. I HONESTLY URGE ANYONE WHO IS CONSIDERING THEM TO NOT USE THEM - I HAVE REPORTED THEM TO THE FCA !!!!… Read Full Review

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★☆☆☆☆

“Buy To Let - Avoid like hell!”

Written on: 16/01/2014 by davidmason1969 (3 reviews written)

Recently tries to get a BTL mortgage from these clowns. I am a professional landlord with three other properties. Furthermore the amount requested was less then my annual turnover. It taken them three months to reach a desision which was declined right at the last minute leaving me with problems with my purchase. They have NO grasp on the Buy To Let market at all and treat applications like residential. A joke, avoid!… Read Full Review

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★☆☆☆☆

“Accord mortgages are a terrible company!”

Written on: 14/01/2014

Accord gave us an agreement in principle for a 3 year interest only mortgage on what is an extremely affordable buy to let with the cash flow double the mortgage! I had already paid for a thorough Survey for myself so I knew the property would fly through a 'mortgage' survey. We had every condition met before we began (otherwise we wouldn't have applied through the broker). We gave them everything they asked for and more including 12 months worth of bank statements, showed proof of deposit etc… Read Full Review

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★☆☆☆☆

“Tale of Two Halves”

Written on: 01/01/2014

First Mortgage with Accord 2 years ago. Due to break up sold house and paid Mortgage back within 14month. FIRST Mortgage went smooth.... Now have just taken another with Accord and what a nighmare this one was. They had 8weeks to sort yet only 2 days beforehand did they agree to provide the mortgage. I would have happily went to Nationwide or my own bank as both already offered but Accord kept me dangling for so long I had not much option but to hang on with them. Utter disgrace, lost… Read Full Review

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★★★★★

“I have recently completed a house purchase with Accord...”

Written on: 25/12/2013

I have recently completed a house purchase with Accord as the mortgage provider and I have to say I found the whole experience to be straight forward and hassle free. Based upon my requirements my broker recommended Accord and before proceeding I did a little on line research, encountering a string of bad reviews. I discussed these with my broker who told me that he used them often when they and the customer meet each others requirements, so I decided to proceed. From start to finish we… Read Full Review

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Retailview1's Comment

Written on: 16/04/2014

Accord must have wrote this review , they should be closed down

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★☆☆☆☆

“After 3 weeks they reduced the amount they'd lend us”

Written on: 24/11/2013 by JWV529N (19 reviews written)

We applied for a mortgage with accord through our broker. Took ages for him to sort out extensive paperwork. Advertised rate was excellent though and they said they'd lend us the money we needed. After 3 weeks they came back to him and said they could only lend around £60k less than we needed. Hence we lost the application fee and wasted 3 weeks, almost lost the house purchase because of the delay. Luckily Nationwide saved the day… Read Full Review

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★★★★☆

“So far so good, no problems with application to offer”

Written on: 13/11/2013 by CMW83 (1 review written)

I used a mortgage broker and was advised to go with Accord who I had never heard of, being a FTB I was unsure on the process/timeline so I started reading these reviews and got really worried. However from application it took 5 working days for Accord to get back requesting for further clarification (I had lived at many addresses so this caused questioning, but other requests were standard like proof of deposit and bank statement showing my salary being credited). Then 8 working days later I… Read Full Review

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Irishminds's Response to CMW83's Review

Written on: 24/02/2014

I feel so sorry for you CMW83.

Accord were very quick to give me a 70% mortgage on my home. When the deal was up they devalued my property by 15% and called it an 85% mortgage (with higher rates). So I sold some shares and paid off part of my mortgage to get a cheaper deal. Two years later, they devalued the house again and again. Just so they could justify charging me a sky high interest rate.

I was lucky that I have a good job with lots of overtime. The wife and I worked like slaves for six years to pay down our mortgage.

It was like having a mortgage with Wonga!

I have to laugh at these people who feel hard done by, because their application was refused. Be THANKFUL.

Irishminds

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Cmw83's reply to Irishminds's Comment

Written on: 24/02/2014

Yes this is very common tactic from all lenders, you will always get the cheapest rates as the first time buyer. I already know my rates will be very high after the initial 2 years is up, it's all in the T and Cs, but most people would look for a better deal once their mortgage period expires. I suggest you do not stay with Accord if you are not happy with your rates, once your next period is up look for another deal, start looking 3 months before it expires. Good Luck.

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