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Mortgage Hotline - Call Us 0117 313 7780

Accord Buy To Let Mortgages

Buy To Let Mortgage Deals Of The Month

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FairMortgages.co.uk has partnered with Royal Bank Of Scotland to bring you some of the best mortgage rates in the market, which is why they say 'YES' to a mortgage every 60 seconds*. It takes just a few minutes to find out if they can help:

Call RBS Buy To Let team: FREE on 0800 096 7962

OPEN 7 DAYS A WEEK
Monday to Friday:  8am to 8pm 
Saturday & Sunday:  9am to 4pm

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Call FREE 0808 271 8482

Top rates for those looking to get a better deal or borrow more:

  • FIXED RATES from 1.69% (4.5% APRC)
  • FAST DECISION
  • LINES OPEN: 7 days a week 8am to 10pm

Call HSBC Buy To Let team FREE on 0808 271 8482 to find out how much you could borrow

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 1.5%
Rate type: Fixed Jan-2020
Monthly cost: £494.37 per month
Max LTV: 60%
Product fee: £2770.00
Overall cost for comparison: 4.4% APRC
Barclays Bank logo 1.5% Fixed Jan-2020 4.4% APRC 60% £2770.00 £494.37 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.5%
Rate type: Fixed Jan-2020
Monthly cost: £487.37 per month
Max LTV: 60%
Product fee: £1320.00
Overall cost for comparison: 4.3% APRC
Barclays Bank logo 1.5% Fixed Jan-2020 4.3% APRC 60% £1320.00 £487.37 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.54%
Rate type: Fixed Feb-2020
Monthly cost: £491.63 per month
Max LTV: 60%
Product fee: £1755.00
Overall cost for comparison: 4.4% APRC
Santander UK Plc logo 1.54% Fixed Feb-2020 4.4% APRC 60% £1755.00 £491.63 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.54%
Rate type: Fixed Feb-2020
Monthly cost: £491.63 per month
Max LTV: 60%
Product fee: £1755.00
Overall cost for comparison: 4.4% APRC
Santander UK Plc logo 1.54% Fixed Feb-2020 4.4% APRC 60% £1755.00 £491.63 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.54%
Rate type: Fixed Feb-2020
Monthly cost: £491.63 per month
Max LTV: 60%
Product fee: £1755.00
Overall cost for comparison: 4.4% APRC
Santander UK Plc logo 1.54% Fixed Feb-2020 4.4% APRC 60% £1755.00 £491.63 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.55%
Rate type: Fixed Jan-2020
Monthly cost: £494.30 per month
Max LTV: 60%
Product fee: £2270.00
Overall cost for comparison: 4.4% APRC
Barclays Bank logo 1.55% Fixed Jan-2020 4.4% APRC 60% £2270.00 £494.30 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.69%
Rate type: Fixed Jan-2020
Monthly cost: £501.19 per month
Max LTV: 50%
Product fee: £2132.00
Overall cost for comparison: 4.4% APRC
Godiva Mortgages logo 1.69% Fixed Jan-2020 4.4% APRC 50% £2132.00 £501.19 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.69%
Rate type: Fixed Mar-2020
Monthly cost: £496.22 per month
Max LTV: 60%
Product fee: £1670.00
Overall cost for comparison: 4.4% APRC
BM Solutions logo 1.69% Fixed Mar-2020 4.4% APRC 60% £1670.00 £496.22 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.69%
Rate type: Fixed Dec-2019
Monthly cost: £496.25 per month
Max LTV: 60%
Product fee: £1061.00
Overall cost for comparison: 4.6% APRC
Skipton BS logo 1.69% Fixed Dec-2019 4.6% APRC 60% £1061.00 £496.25 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.79%
Rate type: Fixed Jan-2021
Monthly cost: £505.95 per month
Max LTV: 50%
Product fee: £2132.00
Overall cost for comparison: 4.2% APRC
Godiva Mortgages logo 1.79% Fixed Jan-2021 4.2% APRC 50% £2132.00 £505.95 per month get quotes Call direct0117 313 7780 More details
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Accord Buy to Let Mortgages

Fair Mortgages Buy to Let Mortgage Service

Special features of what we offer include:

  • Whole of Market Service - we can compare Accord with other buy to let deals from most UK lenders
  • Latest Deals - Access to leading buy to let market mortgage rates
  • Exclusive Rates - Access to exclusive buy to let loan deals not available on high street
  • Fast Turnaround - speak to us today if you need to move quickly
  • Specialist Lenders - We have lenders who will consider adverse credit, complex income, unusual properties, lending in retirement, short term finance.

"The essence of the Fair Mortgages service is professional, independent mortgage and protection, advice brought to you by a team of specialist advisers and experienced administration support." 

As your mortgage is such an important transaction, good advice is imperative.

You can call our mortgage broker team on 0117 313 7780 or request a callback. 

Right Bullets

Accord Buy to Let Mortgages

If you are looking for finance to purchase an investment property an Accord buy to let mortgage might be the right choice for you. Accord Mortgages are a dedicated intermediary only subsidiary of the Yorkshire Building Society, originally set up in 1993.

Accord offer both repayment and interest only products.

The eligibility criteria for an Accord Buy to let mortgage includes:

  • You must not be a first time buyer or a first time landlord – this means you need to own your own home as well as having owned at least one buy to let for the last 12 months. In the case of joint applications both applicants must own their own home and at least one of the applicants should already possess a buy to let.
  • Applicants must at least 25 years old, maximum age restriction of 75 at the end of the mortgage term.
  • At least one applicant must have a minimum income of £25,000.

Finding the right buy to let

Taking out a buy to let mortgage is a large financial commitment, it is therefore a good idea to shop around providers to try and find the best product for your specific criteria, buy to let products are offered by a wide range of providers including both from high street lenders and smaller specialist lenders. Consider whether a repayment mortgage or interest only product would be better for your needs.

You may also benefit from using the services of an independent mortgage adviser. An independent adviser, which offers a whole of the market service, can use their expertise to search across the market on your behalf to find the most suitable products for you. There is also a selection of mortgage lenders (including Accord) who can only be accessed via an intermediary such as a mortgage adviser, one of which might present the best deal for you.

Getting a buy to let

If you have not had a buy to let mortgage before there are some key differences from homeowner mortgages of which you should be aware:

Deposits

Buy to let mortgages tend to offer lower maximum loan to value ratios than home buyer mortgages, commonly requiring borrowers to be able to put down a deposit of at least 25%, though there are some options available for borrowers with smaller deposits. As with most kinds of finance however the larger the deposit you can afford to put down the lower your interest rates will be.

Affordability

Buy to let affordability is calculated on the rental value of the property, rather than on a multiple of an applicant’s annual income.

From 2017, generally lenders require monthly rental yield of the property to be valued at least 145% of what the monthly mortgage payments would be, based upon a professional valuation. 

In addition, recent changes to the way the buy to let mortgage market is regulated has forced lenders to apply a stricter stress test. Lenders will now require the applicant to be able to afford to meet mortgage repayments in the event that interest rates increase to 5.5%.

Applicants should also bear in mind that they can no longer spread equity across their property portfolio. Lenders will not provide a mortgage if an applicant has one or more buy to let properties that are not profitable and they will review the applicant's entire portfolio to ensure every property has a positive return, before granting the mortgage.

If you are interested in getting a buy to let mortgage, why not see if Fair Mortgages could help you? Fill in our online contact form to request a free initial consultation from a Fair Mortgages adviser, alternatively you can call us directly on: 0117 313 7780

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Accord Buy to Let Mortgages - Compare Mortgages Call us on 0117 313 770

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