Advice on staying with Accord mortgages after fix ends?

Sarahjen8912

I hope someone can help, has anyone recently come to the end of their fix with Accord mortgages and decided to stay with them?

Myself and my partner are in a sticky situation as he lost his job a few months ago. We have been OK up until now and will be for a bit longer due to a settlement agreement from his last job, and me having some emergency savings tucked away. He's desperately searching for a new job but is finding it difficult. 

As we are are existing customers, is it likely they would ask for the past 3 months of payslips/income documents? My partner is sure they won't as their website says they wouldn't need to run a new credit check, but I'm sure that's not the same thing as income verification. Also would they be likely accept statements from my savings accounts in the interim, to show we have enough funds for x amount of time? 

Does anyone have recent experience of switching to a new deal with Accord? Any advice would be greatly appreciated as I'm quite concerned at the moment! 

K_S

@sarahjen8912 As long as your recent credit history is clean, you should be able to switch products online without income verification or underwriting.

Sarahjen8912 said:

I hope someone can help, has anyone recently come to the end of their fix with Accord mortgages and decided to stay with them?

Myself and my partner are in a sticky situation as he lost his job a few months ago. We have been OK up until now and will be for a bit longer due to a settlement agreement from his last job, and me having some emergency savings tucked away. He's desperately searching for a new job but is finding it difficult. 

As we are are existing customers, is it likely they would ask for the past 3 months of payslips/income documents? My partner is sure they won't as their website says they wouldn't need to run a new credit check, but I'm sure that's not the same thing as income verification. Also would they be likely accept statements from my savings accounts in the interim, to show we have enough funds for x amount of time? 

Does anyone have recent experience of switching to a new deal with Accord? Any advice would be greatly appreciated as I'm quite concerned at the moment! 

anewbuyer

I remortgaged with Accord a few months ago, as the other comment says, they will not check payslips etc because it is the same lender.

Bob~24601

I remortgaged with Accord around 2 years ago, as I wasn't borrowing any more, or making any other changes it was just so simple.

They moved me to the new product without doing any checks (I don't even think they asked if my income had changed).

I would have looked at other lenders, but the fixed rate I accepted was competitive and although would have saved a little bit, it just wasn't worth the agro and to get checks done etc. 

Sarahjen8912

This has put me at ease, thanks all for taking the time to reply!