Accord Mortgages Buy to Let Rate Increases: What Landlords Need to Know (September 2025)

Introduction: Key Changes from Accord Mortgages for Buy to Let Applicants

Accord Mortgages, a popular choice among UK landlords, has announced that it will increase rates across its Buy to Let (BTL) New Business mortgage range from 18 September 2025. With rising market volatility, these changes may affect new and prospective BTL mortgage applicants—especially for those seeking the best buy to let mortgage rates or planning to submit an application soon.

Accord Buy to Let Rate Changes: Details and Deadlines

The upcoming changes apply exclusively to Accord’s Buy to Let New Business products. Here’s a summary of what’s changing:

• 60% Loan to Value (LTV) tracker rates will rise by up to 0.09%.
• 75% LTV tracker rates will increase by up to 0.10%.
• 80% LTV tracker rates will see the most significant jump—by up to 1.50%.

If you are interested in Accord BTL products at current rates, a full mortgage application must be submitted by 10pm on Wednesday 17 September 2025. Any applications received after this will be subject to the new, higher rates—which could impact your monthly repayments and overall affordability.

How This Impacts Buy to Let Borrowers

These rate adjustments impact new applicants seeking buy to let mortgages via Accord Mortgages. Here’s who will be most affected:

• Property investors and portfolio landlords looking for low-deposit (up to 80% LTV) tracker products—these borrowers will see the largest rate increase.
• First-time and seasoned landlords intending to remortgage an existing BTL property or expand their holdings with Accord’s BTL new business range.

Note: To secure a particular product, you must submit a full mortgage application before the withdrawal deadline. Simply obtaining a Decision in Principle (DIP) does not lock in a rate.

Criteria Updates and Application Tips

No significant lending criteria changes have been published as part of this rate adjustment. However, there are two important considerations for Accord Mortgages BTL applicants:

• The product selected affects your maximum loan size. Use the Accord rental calculator to estimate rental income suitability and maximum borrowing potential.
• Products can only be chosen at full application (not at the DIP stage), so timing is critical. All supporting documentation and decisions must be processed within standard office hours for referral cases.

Why Choose Accord Mortgages for Buy to Let?

Despite the forthcoming rate rise, Accord Mortgages remains a recognizable and established BTL lender in the UK, offering:

• Trackers and fixed-rate BTL options for a range of landlord needs.
• User-friendly online tools including a rental calculator and helpful application tracking via MSO.
• Clear communication regarding product changes, with at least 24 hours’ notice when possible.
• Flexible criteria supporting both individual and limited company landlord applications (subject to standard checks and criteria).

Next Steps: Secure the Right BTL Mortgage Before Rates Rise

If you’re thinking of applying for a new Accord BTL mortgage, act swiftly to secure rates before 17 September. Landlords, property investors, and portfolio holders should review borrowing needs and contact our specialist mortgage advisers for guidance and tailored product recommendations.

Contact our expert team today to discuss your buy to let plans, compare the latest BTL mortgage rates UK-wide, and ensure you lock in the best deal for your property investment.

Frequently Asked Questions (FAQs) about Accord Buy to Let Rate Changes

• Who qualifies for Accord’s Buy to Let mortgage products?
  Accord typically accepts both first-time and experienced landlords, including individual and limited company applicants, subject to standard lending criteria such as rental income requirements and credit checks.
• How do these BTL rate changes affect monthly repayments?
  Higher rates mean your monthly interest payments will increase. For a £150,000 mortgage, a 0.10% rate rise could add approximately £12 per month (interest-only).
• Are fixed-rate products affected by this change?
  This update references tracker rates. Fixed-rate options may remain unchanged, but always check Accord’s product range for specific details.
• What is the application deadline to secure current BTL rates?
  You must submit a full Accord Buy to Let mortgage application by 10pm on 17 September 2025 to secure today’s rates.
• How can I check if I qualify or find the best product?
  Speak to our mortgage advisers for a full review. Use Accord’s rental calculator for affordability, and contact us for tailored advice and application support.