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Lending criteria

Retirement income

If the applicant is within 15 years of retirement, details of post retirement income is required. We will use the private pension/annuity income or current salary, whichever is the lower, to calculate the maximum lending.

The percentage of the mortgage term occurring after age 70 must be less than 25% of the overall mortgage term.

  Evidence Required
  • Please note we may require a retirement strategy to detail how the applicant plans to meet his/her mortgage commitments, if the retirement income is not sufficient to meet mortgage repayments.

Please choose from the following options

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Porting? Additional Lending? No need to log in, please click, Porting or Additional Lending  to follow the correct application steps.

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: