Accord Mortgages Customer
Information and Declaration
ACC 0802 08/07/24
Our printed material is available in alternative formats e.g. large print,
braille or audio. Please call us on 0345 1200 872.
Page 1 of 2
Registered oce:
Yorkshire House, Yorkshire Drive, Bradford, BD5 8LJ www.acordmortgages.com
Accord Mortgages Limited is registered in England No. 2139881. Accord Mortgages Limited is authorised and regulated by the Financial Conduct
Authority. Accord Mortgages Limited is entered in the Financial Services Register under registration number 305936.
Buy to Let Mortgages for business purposes are not regulated by the Financial Conduct Authority. Communications with us may be monitored/
recorded to improve the quality of our service and for your protection and security.
privacy information
The security of your personal information and right to privacy is very important to us. We are committed to taking good care of your
personal data and ensuring the highest standards of privacy.
We use your personal information to process your mortgage application and arrange associated insurance. This may include sensitive
information such as information about your health or criminal records. Full details of how we use your personal information is
contained within our Privacy Notice, which is available on our website accordmortgages.com
Credit Reference Agencies (CRAs) are used to perform credit, identity and fraud prevention checks against public (electoral register)
and shared credit information. You can learn more about how your personal information is used by visiting
www.experian.co.uk/legal/crain/
If we use an automated system to make a decision about you, such as credit scoring, we will tell you if your application is rejected and
give you the opportunity to discuss the matter with us. The decision will be reviewed and may be changed, if appropriate.
We will keep your personal information only for as long as is necessary for us to administer the account you have, in line with
regulatory requirements.
If you require a paper copy of our privacy notice, please contact us on 0345 120 0805. Alternatively, you can write to us at: Yorkshire
Building Society, Yorkshire House, Yorkshire Drive, Bradford, West Yorkshire BD5 8LJ.
Our Data Protection Ocer (DPO) provides help and guidance to make sure we apply the best standards to protecting your personal
information. You can contact the DPO by emailing [email protected] or writing to: Data Protection Ocer, Yorkshire House, Yorkshire
Drive, Bradford BD5 8LJ.
Sharing your personal information
When necessary, we share your personal information with:
• Yorkshire Building Society (YBS)
• Service providers, who are carefully selected to help us
provide our products and services
• Tax, government, and any relevant regulatory authorities
• Prosecuting authorities and courts, and/or other relevant
third parties connected with legal proceedings or claims
• Subsequent charge-holders
• Fraud prevention and/or law enforcement agencies
• Fraud prevention agencies such as CIFAS and National
Hunter. Fraud prevention agencies can hold your personal
data for dierent periods of time, and if you are considered
to pose a fraud or money laundering risk, your data can be
held for up to six years. You can learn more about how your
personal information is used by visiting cifas.org.uk/fpn or
nhunter.co.uk/privacy-policy/
• Your shared ownership scheme provider
• Third parties where we are required to do so by law
• Credit Reference agencies (CRAs).
Your personal information may be transferred to or stored in locations outside of the UK.
We will only transfer your data when we’re required or permitted to by law or regulatory requirements.
When transferring data, we make sure that suitable protection is always maintained by ensuring appropriate safeguards are in
place. For more information please refer to our website accordmortgages.com
Your rights
You have rights relating to the personal information we hold about you, however, they may be subject to various exceptions and
limitations.
You have the right to:
• Be informed;
• Request access to your personal information (commonly
known as a ‘data subject access request’);
• Request correction of the personal information if you believe
that we hold inaccurate or incomplete personal information;
• Request erasure of your personal information: Please note,
however, that we may not always be able to comply with
your request of erasure for specic legal reasons;
• Request restriction of processing of your personal
information;
• Withdraw consent at any time if we are relying on your
consent to process your personal information;
• Object: to our processing of your personal information in
certain circumstances.
The simplest and quickest way to request this information is by completing our simple online request form, which can be
accessed by visiting accordmortgages.com/privacy. For other ways to contact us about your rights please refer to our website
accordmortgages.com
If you have any concerns about the use of your personal information, or the way we handle requests relating to your rights, you can
raise a complaint directly with us. For more information about raising a complaint please see our website accordmortgages.com
IMPORTANT INFORMATION FOR APPLICANTS
Please read the following declaration and information carefully. Your Introducer (mortgage adviser) should provide this to you prior to
completing our online application form. If the application is in joint names, both parties should read it. Your Introducer will conrm
on your behalf that you have read and accepted this declaration. If you have any questions about the declaration, please discuss these
with your Introducer prior to the application being submitted.
Page 2 of 2
DECLARATION TO BE MADE BY ALL APPLICANTS - it is written as if given by each of the applicants
(if more than one)
I am applying for a loan secured by a mortgage on property.
1. I agree:
• To appoint an Introducer as my agent to complete and
submit an application form (“the Application Form”) for a
loan from Accord Mortgages.
• That this information will form the basis of the mortgage
contract between Accord Mortgages and me and that if I
enter into an associated insurance contract it will also be the
basis of a contract between the insurer and me. I will notify
Accord Mortgages of any changes in my circumstances
which occur before the loan is completed.
• To tell Accord Mortgages about any information which may
aect any insurance cover provided. I understand that
the policy may be invalid, or the cover aected, if I do not
disclose this information.
• To pay Accord Mortgages’ conveyancing costs and valuation
fees, even if the loan does not complete.
• To a 10-day notice period for Direct Debit changes.
• To Accord Mortgages and its agents or other members of its
group disclosing the details of all oset savings accounts to
the other applicants and borrowers.
• To the processing of my personal information as explained
above. My agreement here applies in any circumstances
during the mortgage where Accord Mortgages needs to
make a credit decision.
• To tell Accord Mortgages of any changes to the information
in this form which arise between now and completion of the
loan.
• To the release to Accord Mortgages of my conveyancer’s le
in its entirety.
2. I conrm that:
• The information I have given to the Introducer to complete
the Application Form is true and complete, including any
answers which have been completed by someone else.
• I am aware that repayments of my loan may continue after
I am retired. I conrm that I have discussed this with my
Introducer and that I understand the nancial implications.
• The Introducer may enter my details manually and
subsequently transmit them electronically.
3. I have read the explanation on Transfers of Mortgage (above)
and had the opportunity to have anything I do not understand
explained to me. I acknowledge that Accord Mortgages is
entitled to transfer its interest in the loan which I am applying
for and any related security, assignment or other related
deeds or documents to another body. I consent to the transfer
of Accord Mortgages’ interest.
4. I understand that:
• Accord Mortgages does not have to make an oer of a loan
or refund any fees paid.
• If Accord Mortgages oers me a loan, this does not imply
that Accord Mortgages agrees that the price paid for any
property is reasonable.
• A mortgage valuation is solely for Accord Mortgages’
purposes and benet so that Accord Mortgages can be
satised that the property provides sucient security for it
to lend.
• A mortgage application can only proceed when the value of
my home has been assessed on behalf of Accord Mortgages.
• It is a criminal oence if either I or someone acting on my
behalf provides incorrect information in order to obtain a
mortgage and the provision of any inaccurate information
can lead to prosecution for fraud.
TRANSFERs OF MORTGAGE
If you want to transfer your mortgage to another person then you will need to get our consent rst.
Visit accordmortgages.com/cust-toe to nd out more.
Accord Mortgages may transfer its interest in your mortgage to another party without your consent. This may not necessarily be a
building society or an associated body of a building society.
Accord Mortgages is a separate legal entity to YBS. If Accord Mortgages transfers its interest in your mortgage, any borrowing
membership you may hold with Yorkshire Building Society in connection with the Accord Mortgages mortgage may stop.
