Our common-sense underwriting is there to help with complex cases. In 2023, we applied this flexible lending approach to more than 28% of cases.

We also provide direct access to underwriters with a dedicated underwriter managing your case from start to finish.

We’ve got some product offerings especially for underserved borrowers with ranges including Cascade Score, Boost LTI and Deposit Unlock.

These ranges have been designed to provide options for those who we may not otherwise have been able to lend to or those struggling to get onto the property ladder.

We also support key lending sectors such as new build, self-employed and contractors.

Quick decisions are important, so we’ve invested heavily in our technology and colleagues:

• Our NPS score in 2023 was +85 for residential lending and +77 for BTL lending, with brokers giving Accord some great feedback:

• Our webchat and phone lines are managed by experienced Business Development Advisers, leading to a consistent broker satisfaction rating over 90% on webchat

• We have an expert team of Business Development Managers available to help with complex cases

• Residential & BTL are on MSO which simplifies the application process and reduces the time from application to offer.

As a BTL lender, not just a lender that does BTL, we welcome first time and portfolio landlords. We offer:

• Top slicing
• No minimum income for standard cases
• A range of ERC free 5-year fixed rate products
• Lower ICR for basic or zero rate taxpayers and like-for-like remortgages.

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