Accepts foreign nationals
Yes
Max LTV without ILR
up to 90% LTV
Minimum time left on visa
6 months
| Criteria | Verdict | Detail |
|---|---|---|
| Accepts foreign nationals | Yes | — No minimum UK residency period |
| Max LTV without ILR | Yes |
90% where at least one applicant earns £50k+; 75% otherwise; above 90% requires ILR |
| Income requirement (foreign nationals) | Yes | — £50k+ (at least one applicant) unlocks 90% LTV without ILR |
| Visa types accepted | Yes | — |
| Minimum time left on visa | Yes |
|
| ILR (settled status) required | No | — Only required above 90% LTV |
| Deposit from overseas | Yes | — |
| Foreign income accepted | No | — |
| Builder gifted deposit | Yes |
|
| New-build max LTV | Yes |
|
| Max LTV (standard) | Yes |
|
Source: lender intermediary criteria, every row verified on or since 2026-07-10 (most recent check 2026-08-19). 2 rows carry no verification date and are shown as published by the lender without a dated check. Criteria change frequently — always confirm current policy with the lender or a broker.
Adviser's view
Accord is Yorkshire Building Society's broker-only arm, which tells you the two most important things about it: you can't walk in off the street (applications go through an intermediary), and its underwriting is more human than the big-bank scorecards. That human touch is exactly what many visa cases need — Accord applies no minimum UK residency period, which can help recent arrivals with a strong salary and a clean visa position but only a thin UK credit file.
Accord's criteria for foreign nationals are workable rather than headline-grabbing; where it earns its place on a shortlist is common-sense handling of the cases the automated lenders bounce: recent arrivals with strong professional income, or applicants whose UK credit history is still thin.
The table above has the current positions. Because Accord is intermediary-only, the practical next step is a broker conversation rather than a direct application.