Specialist Mortgage Lender | Accord Mortgages Expands Debt Consolidation Options with Higher LTV Limits. Accord Mortgages has strengthened its commitment to supporting complex borrowing needs by increasing its maximum Loan-to-Value (LTV) ratio to 85% for debt consolidation cases. This strategic enhancement allows more homeowners to unlock equity from their property to manage and streamline their existing debts.
By raising LTV thresholds, Accord offers a more flexible solution for clients who may not have qualified under previous criteria—making it easier for advisers to assist borrowers with challenging financial profiles. This is particularly valuable for those working within a Specialist Mortgage Network, where access to high-LTV debt consolidation products is crucial.
The update also reflects a broader trend in the 2025 mortgage market: increased lender adaptability to meet borrower demand for tailored financial solutions amid rising consumer debt and tighter household budgets.
This move enhances borrowing power for clients while reinforcing Accord’s position as a forward-thinking lender that empowers both advisers and homeowners. Advisers supporting clients with adverse credit or high debt-to-income ratios can now consider Accord as a more viable option.
“From today, we’ll consider lending up to 85% LTV to your clients looking for debt consolidation.” — Accord Mortgages
What’s changing?
We’re increasing the maximum Loan-to-Value (LTV) for debt consolidation to 85% for clients who meet our enhanced credit score criteria.
When you submit a Decision in Principle (DIP), the system will automatically assess eligibility for the new 85% LTV. If a client doesn’t qualify for the full 85% but still meets the required credit score, they’ll be offered up to 80% LTV instead no extra steps needed.
Why This Matters
This update provides greater flexibility for clients with strong credit profiles, allowing them to access more funds when consolidating existing debts. It supports advisers in delivering tailored, high-value solutions in a competitive lending market.
What You Need to Do
Before submitting a DIP, review the latest credit score requirements. This helps prevent avoidable delays and ensures a smoother approval process for your clients.
We’re here to support you in delivering the best possible mortgage outcomes. This change is designed to empower both you and your clients with more options and clarity.
What’s staying the same?
The maximum number of consolidated debts (10) for secured and unsecured debts has not changed, and the £50,000 limit for unsecured debt consolidation remains.
Please note
- DIP remains as a soft footprint only
- All other lending policies must still be met
When is this changing?
Our new criteria will be live starting today.
Connect for Intermediaries: A Leading Specialist Mortgage Network
As a leading specialist mortgage network, Connect for Intermediaries plays a pivotal role in today’s evolving lending landscape. With changes like Accord Mortgages increasing LTV limits for debt consolidation, we empower brokers to offer tailored solutions that many high-street lenders simply can’t match.
Our network is designed to support mortgage advisers navigating complex cases, whether they’re dealing with self-employed clients, portfolio landlords, or borrowers with credit challenges. By offering access to a broad panel of specialist mortgage lenders, we ensure brokers have the tools to meet clients’ unique needs.
At Connect, we don’t just react to market changes; we stay ahead of them. By working closely with lenders and embracing the latest trends in property finance, we help advisers remain competitive in a fast-moving sector. Our advisers benefit from AI-enhanced tools, training resources, and direct access to niche lending products.
In a market where traditional routes often fall short, Connect for Intermediaries bridges the gap, equipping brokers to deliver innovative, personalised solutions to whatever challenge.
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If you’re serious about developing your client base and becoming the adviser people remember and recommend, you’re in the right place.
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Thank you for reading our publication “Specialist Mortgage Lender | LTV for Debt Consolidation.” Stay “Connect“-ed for more updates soon