Accord Mortgages

Accord Mortgages is a UK mortgage lender that operates as the intermediary-only lending brand of Yorkshire Building Society, one of Britain's largest building societies. Rather than dealing directly with the public, Accord distributes its home loans exclusively through mortgage brokers and intermediaries, who advise borrowers and submit applications on their behalf. This broker-focused model is central to the brand's identity: Accord positions itself as a lender that works in partnership with intermediaries, providing service, product range and underwriting support tailored to the broker channel. The brand's product range covers the mainstream UK mortgage market. It includes residential mortgages for first-time buyers, home movers and remortgagers, with fixed-rate, tracker and variable-rate options, as well as buy-to-let lending for landlords and portfolio investors. Accord has also offered later-life and retirement lending products and has been active in shared ownership and new-build lending. Products are typically available at a range of loan-to-value tiers, with fee-paying and fee-free variants, and the lender has been known for competitive rates in the broker market. Accord Mortgages sits within the Yorkshire Building Society group, headquartered in Bradford, West Yorkshire. Yorkshire Building Society is a mutual organisation owned by its members rather than shareholders, and Accord operates as a trading brand within that group alongside the Society's other lending and savings activities. Because the parent is a mutual, Accord itself is not a listed company and has no ticker; its funding and capital sit within the Society's balance sheet. The brand's governance, risk and lending policy therefore follow the group's mutual model. In the UK mortgage market, Accord competes with other intermediary-focused lenders, high-street banks and specialist buy-to-let lenders. Its differentiation rests less on branch presence than on broker relationships, service standards and product breadth. The brand communicates with intermediaries through a dedicated broker website, online application systems, service updates and business development managers, and it participates in industry initiatives around broker service and lending criteria. Over time Accord has expanded its buy-to-let and professional landlord offering and has adjusted criteria and rates in response to market conditions, including the periodic remortgage and product-transfer cycles typical of UK lending. For borrowers, Accord is encountered indirectly: consumers rarely see the brand on a high street, but their broker may recommend an Accord product. The lender handles applications, valuations and completions through the intermediary channel and services the mortgage thereafter within the Yorkshire Building Society group. This makes Accord a business-to-business-to-consumer brand — a lender whose customer-facing relationships run through professional advisers.

Accord Mortgages emerged as a distinct lending brand within the Yorkshire Building Society group, which has its roots in the building society movement of the nineteenth century and grew into one of the UK's largest mutuals through mergers and consolidation. Accord was established as the group's intermediary-only mortgage brand, created to serve the broker channel separately from the Society's direct and branch-based lending. The separation allowed the group to run a dedicated broker proposition — its own product range, service teams, online application systems and business development managers — while keeping the Yorkshire Building Society brand focused on its member-facing savings and mortgage business. Through the 2000s and 2010s Accord expanded its product range across the mainstream residential market and built a significant presence in buy-to-let lending, a segment that grew rapidly in the UK as landlords increasingly used limited companies and portfolio structures. The brand developed dedicated buy-to-let criteria, affordability models and product tiers for professional landlords, and it became a familiar name among mortgage intermediaries placing landlord business. It also participated in shared ownership and new-build lending, and at times offered later-life and retirement-focused products. Accord's history is closely tied to the strategy of Yorkshire Building Society, which expanded through a series of mergers with other building societies and acquired lending operations. As part of that group, Accord benefited from the Society's funding base, capital and mutual ownership model, which insulated it from shareholder pressure and allowed a longer-term approach to lending. The brand's operational base has been associated with the group's Bradford headquarters and its processing centres. In the 2020s Accord continued to adjust its range in response to a volatile UK mortgage market shaped by interest-rate cycles, affordability pressures and regulatory change. The lender periodically revised rates and criteria, launched and withdrew product variants, and invested in broker-facing digital tools and service improvements. Its trajectory reflects the broader shift of UK mortgage distribution toward intermediaries, with a large share of new lending now arranged through brokers rather than branches. Accord remains an active intermediary-only lender within the Yorkshire Building Society group, and its brand equity rests on broker relationships and consistent service rather than consumer advertising.

• Accord Mortgages is established as the intermediary-only mortgage brand of Yorkshire Building Society.

• The brand expands its buy-to-let range for professional landlords and portfolio investors.

• Accord invests in broker-facing digital application and service tools.

A broker-only UK mortgage lender within a mutual building society group, competing on intermediary service, product breadth and rate competitiveness rather than branch presence.

• Residential fixed-rate mortgages

• Residential tracker mortgages

• Buy-to-let mortgages

• Remortgage products

• Shared ownership mortgages

• New-build mortgages

• 2026-08-25

  Yorkshire Building Society appoints Amanda Bryden as director of distribution and incoming MD of Accord Mortgages[3]约克郡建房互助协会任命阿曼达·布莱登为分销总监兼Accord Mortgages候任董事总经理mortgagestrategy.co.uk

  Reported: 2026-08-25

  Yorkshire Building Society appointed Amanda Bryden as director of distribution and incoming managing director of Accord Mortgages. Bryden, who has over 25 years of mortgage and intermediary leadership experience, most recently at Lloyds Banking Group, will succeed Jeremy Duncombe, who has led Accord since 2018 and will retire at the end of 2026.

1. 1Accord Mortgages official websiteaccordmortgages.com
2. 2Yorkshire Building Society official websiteybs.co.uk
3. 3约克郡建房互助协会任命阿曼达·布莱登为分销总监兼Accord Mortgages候任董事总经理mortgagestrategy.co.uk