All you need to know about Accord Mortgages MSO site
MSO FAQs
You will find answers to all the most common questions here.
Just click on the relevant topic area and you'll find the guidance you need.
Registration
You can add as many as you like, as long as they've active registrations.
You can either choose for all administrators to be linked or you can choose which administrators you'd like. This is managed at either Firm level or you can manage them directly within your online profile.
If you are having any issues adding your administrators, the please contact us.
Please remove any administrators that are no longer applicable and contact your sales team to make them aware of the update.
If you email accord_sales@accordmortgages.com, we'll get this amended for you.
If you email accord_sales@accordmortgages.com, we'll get this amended for you. Alternatively you can amend your email through your online portal.
Logging into MSO
Have you completed your registration?
If you haven't, then please follow the link on the previously provided email which will allow you to finish setting up your registration. Once you've completed this, you'll be able to log in and submit business immediately.
To login:
Click the login button at the top right hand side of the page. Login allows new residential business only
You can select “forgotten password" or “forgotten my username” from the Intermediary login page and we'll send you a link to reset your details.
If you have completed your registration, your username and password details are correct and you are still experiencing issues please contact us.
If you contact us we'll be able to help you unlock your account.
Submitting an application on MSO
You can submit New Residential and BTL Business cases through MSO.
You can't submit Product Transfers for existing residential customers or Porting cases. These need to be submitted via our other online applications systems. Click here for access link to main website.
Unfortunately, once you've selected the type of mortgage (purchase or remortgage) and started the DIP you're unable to amend these details. You will need to start a brand new application. But, you can amend if it’s a standard, concessionary or help to buy mortgage.
Yes you can. You need to select the applicant as Employed and then select Fixed Term Contract. It will then allow you to enter a day rate income.
When you start a new application select the option for "Equity Loan" and it will open up the details to enter the Help to Buy details.
Concessionary purchases are acceptable from family, ex-partners, and landlords.
The maximum loan to value is based upon the valuation and the maximum loan amount cannot exceed the discounted purchase price. A solicitor’s letter is required to confirm the reduced purchase price, name of vendor, and relationship to vendor.
This information is required at the DIP stage.
Updating cases in MSO
Once you've entered the applicant's information you're unable to add or remove someone from the application.
You are able to take back control of the case even if you have fully submitted the application. You can take the case back to any one of the following four points of the application;
Change of security property
This option should only be used to change the security property. As part of your updates you'll get a new credit decision. You'll also need to revisit the product selection section and resubmit the case. There may be additional fees depending on the changes made.
Change of product
You won't be able to change the security property or valuation details. Also, there may be additional fees depending on the changes made.
Update to decision in principal data
You won't be able to change the security property or valuation details. Once you've made your updates, you'll need to get a new credit decision. There may be additional fees depending on the changes made.
Update to full mortgage application data
You won't be able to change the security property or valuation details.
When you click into the case, there will be an option to take back control of the case. If you are struggling, you can call your dedicated underwriting team on 0345 166 9208.
Yes, this will be stored in Case Documents once you have fully submitted a DIP.
You need to provide solicitors details before you submit the full application. The solicitors must be on our panel. You can check this on our website.
Solicitors can be updated and changed post submission, by taking back control of the case or contacting your dedicated underwriter directly on 0345 166 9208.
Yes, all you need to do is click back into the application and continue from where you left off. All previous details that have been entered will have been saved.
As long as the application is not locked by your underwriting team, you can take the case back to any one of the following four stages of the application;
Change of security property
This option should only be used to change the security property. As part of your updates you'll get a new credit decision. You'll also need to revisit the product selection section and resubmit the case. There may be additional fees depending on the changes made.
Change of product
You won't be able to change the security property or valuation details. Also, there may be additional fees depending on the changes made.
Update to decision in principal data
You won't be able to change the security property or valuation details. Once you've made your updates, you'll need to get a new credit decision. There may be additional fees depending on the changes made.
Update to full mortgage application data
You won't be able to change the security property or valuation details.
When you click into the case, there will be an option to take back control of the case. If you're struggling, you can call your dedicated underwriting team on 0345 166 9208.
Providing additional information or obtaining an update on your case
You can get updates, along with case tracking timelines, through your online profile. Alternatively if your case has been assigned to your dedicated underwriting team, you can call to them directly on 0345 166 9208.
No, unfortunately this is not a function that MSO offers. You'll need to speak to your dedicated underwriting team on 0345 166 9208.
You can add documents throughout the application process.
MSO will create a list of documents that are required when you submit the initial DIP, at the bottom of the list is an "Attach Documents" option. You need to select this, then attach and submit the documents requested.
If you are experiencing any issues, please contact us
You can contact us. We'll update the case on your behalf. Alternatively if your case has been assigned to your dedicated underwriting team, call them on 0345 166 9208 and they'll make any updates you need.
You'll be able to see if the case has been offered on the case tracking timeline. The offer will be available in the case documents. We'll also email you to confirm the case has been offered.
When the case goes live your clients will be provided with a new mortgage account number. Both the application number and the new mortgage account number will be linked so you can access the case using either number.
Fees and refunds
You need to pay all fees before submission. The only fee you can add to the loan is the product fee.
Refunds are automatically handled by MSO, if you have any queries regarding a refund that is due you can call your dedicated underwriting team on 0345 166 9208 to discuss this further.
Products
The product is only secured to the case after the application is submitted. If you've selected a product and it's then withdrawn prior to you submitting the application, you'll have to select a new product.
If your application is post submission, you can take back control of the case to amend this by selecting "change of product"
Products can be taken on a capital and interest, interest only or part and part basis. If you select two separate products, the amount of the loan on each product needs to achieve the product minimum loan size.
Valuations
You'll receive an immediate notification that there won't be a physical valuation, when you submit the full application.
Depending on the property and case characteristics when submitting your application we will automatically assess your valuation needs. When you get to the valuation details section we will either confirm that the AVM (Automated Valuation Model) is successful and no further action is required or provide you with your valuation options including transcripts and associated costs.
MSO will allow you to upgrade the physical valuations before you submit the full application.
If the application passes with an AVM the system will not allow you to request a physical or desktop valuation. Your client/s would have to instruct their own physical or desktop valuation if they wish to have one done.
Yes, as long as the valuation has been done within 3 months of the application being submitted. But if the application passes our Automated Valuation Models (AVM) criteria we won't need this.
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Affordability Calculator
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Affordability calculator
Please choose from the following options
So we can direct you to the right part of our website, please select from the login options below:
NEW BUSINESS - ACCORD MSO
To create an illustration, submit a DIP, upload documents or to track an application for new customers:
ONLINE PRODUCT TRANSFERS
Switch existing Accord clients to a new deal - create an illustration, then apply and accept a product transfer online: