Brilliant Solutions

The internet is down in our Head Office.  Staff continue to answer the phone and respond to messages but understandably response times and service standards are affected.  Please contact your Relationship Manager directly if you have any urgent issues.  Thank you.

Our office will be closed from 5pm Thursday, 20th October to 9am Friday, 21st October.
If you have any cases or enquiries that this may affect, please contact our team today. We apologise for any inconvenience.

We are currently experiencing some technical issues that are affecting our telephone lines and internet connection.

We hope to resolve this asap. Apologies for the inconvenience.


In honour of Her Majesty Queen Elizabeth II our offices will be closed on Monday 19th September while our staff pay their respects.

The office will re-open at 9am on Tuesday 20th September.

Accord Update

Accord Mortgages have released an update on their product range, the details are set out below.  Accord products are available through our direct to lender mortgage club so contact us for more information on how our club can support your business. 

Applies to : Accord BTL

To coincide with the rollout of Buy to Let our Mortgage Sales and Origination portal (MSO), we re-launching our full BTL range.

 New launches

  • New products at 60% LTV for both HP and RM.  Rates start at 1.66%.
  • New products at 65% LTV for both HP and RM.  Rates start at 1.70%
  • New products at 75% LTV for both HP and RM.  Rates start at 1.77%

 BTL rates going down

  • 75% 3 year RM product with £995 fee reduced by 0.15%
  • 75% 5 year RM product with £995 fee reduced by 0.01%
  • 80% 2 year RM product with £995 fee reduced by 0.01%

 Dates being extended

  • End dates are being extended to 31st October.

 BTL other changes

  • All current products are being withdrawn at 8pm on Sunday 16th May.
  • 65% 2 year HP product with £995 fee increased by 0.06%

The new products will only be available via MSO

 When are the changes taking place?

The existing range will be withdrawn at 8pm on Sunday 16th and the new product range will be available from Monday 17th May.

Applies to: Accord BTL only –

Accord Buy to Let has moved on to their Mortgage Sales and Origination (MSO) portal

Accord will be offering top slicing, lending in Scotland and BTL new build when they launch BTL on their Mortgage Sales and Origination (MSO) system

Brokers can now make all their new Buy to Let and residential applications to Accord in one place and having BTL on MSO means the lender can now accept top slicing, lending in Scotland, BTL new build and a wider range of BTL products and features.

Accords’ Mortgage Sales and Origination portal or MSO makes it quicker and easier for brokers to submit new cases. It cuts out a lot of those boring repetitive tasks like having to type the same information over and over again. It has a range of great features including DIP certificates, real-time case tracking and the ability to view and print offers and brokers can amend a case at any stage in the process.

Top Slicing – The flexibly for your client to use their income to top up a rental shortfall

Accord’s BTL rental calculator will help you work out the minimum rent required, and if there is a shortfall it’ll confirm if top slicing is available for your client and take you to their surplus income calculator.

Please click here for more information about top slicing.

BTL in Scotland – They’ve extended their reach further north

If your landlord client has a property in Scotland, including New Build, the Accord BTL product range is available for them to choose from. And, if you’re client needs to use some of their surplus income to ‘top up’ a rental shortfall, they’ll offer top slicing too.

Please click here to see the BTL in Scotland eligibility information.

BTL New Build – A new build lender not just a lender that does new build!

Accord will be offering new build to your BTL clients on both houses up to 75% LTV and flats up to 65% LTV. All of the lenders current BTL purchase products are available for new build properties subject to meeting the standard LTV and loan amount criteria. Click here to see all BTL products.

Please click here to see the BTL New Build eligibility information.

Interest Coverage Ratio (ICR) and ICRR (Interest Coverage Ratio Rate) changes for background BTL properties via MSO

For cases via MSO Accord are changing their Interest Coverage Ratio (ICR) and ICRR (Interest Coverage Ratio Rate) for background BTL properties. A BTL portfolio will now meet the lenders affordability where the rental income of background BTL lending is >=145% of the mortgage payment(s) with a reduced interest rate of 4.5%.

Please go to the Accord Mortgages website for full details.

We’re adding new build lending to our 90% LTV range

Applies to : Accord Resi Products

We’re pleased to be improving our higher LTV mortgage range to include new build options up to 90%.

 What’s new?

For borrowers buying a new build with a maximum loan size of £500,000, the new range includes:

  • A two-year fixed rate at 3.70%
  • A five-year fixed rate at 3.76%

For borrowers requiring a maximum loan size of £600,000, the following products are available:

  • A two-year fixed rate at 3.80%
  • A five-year fixed rate at 3.86%

All four products come with a £495 completion fee, £750 cashback and free standard valuation.

The LTI ratio is capped at 4.49% and new build flats are not permitted


The changes are live from tomorrow, Friday 21 May at 8am.

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