Anyone got/had a mortgage with Accord (Yorkshire Building Society)

jimbo83

Hi All

Ive had an agreement in principle from the above and have recently forwarded all my identification and proof of income documents to them for approval.

Has anyone got any experience of these guys? If so how quick were they to process things etc?

Thanks

ACG

Theyre up and down. Ive known it to be about 2 weeks but in the main its about a week. Off memory im sure they have their timescales on their website but i might be wrong.

jimbo83

ACG wrote: »

Theyre up and down. Ive known it to be about 2 weeks but in the main its about a week. Off memory im sure they have their timescales on their website but i might be wrong.

I was told that they state they aim for an 8 day turn around by my broker.

Just wanted to check if thats reasonable from anyone's experience.

What are they they like to deal with in the main?

Thanks

ACG

8 working days? Thats getting on for 2 weeks then.

Theyre fine, i used to work for a company that used them quite a bit. Theyre quite well run and everything runs pretty smoothly. i know its hard not to, but its down to your broker to be worrying about it thats what hes getting paid for.

jimbo83

ACG wrote: »

8 working days? Thats getting on for 2 weeks then.

Theyre fine, i used to work for a company that used them quite a bit. Theyre quite well run and everything runs pretty smoothly. i know its hard not to, but its down to your broker to be worrying about it thats what hes getting paid for.

Excellent, thanks very much for your info.

Having had the mortgage agreed in principle will they now just be checking I am who I say I am, earn what I say I earn, the property is sound for security purposes.

I assume they do all their credit checks at the time of application for the AIP?

Thanks

Thrugelmir

jimbo83 wrote: »

I assume they do all their credit checks at the time of application for the AIP?

No. As there are various sources to obtain information. The lender will pay per enquiry so will not not perform a full check until the application is processed.

cripes_2

I went into Branch on the 31st May and got my mortgage offer last week...

robatwork

If Accord are the same as YBS expect a long wait

Dave_Ham

Very selective lender, typically between slow and very slow..

Nice rates though!!