Accord

A UK-based financial services company operating within the Allianz group, providing insurance and financial products to retail and business customers across the United Kingdom.

Accord is profiled on the APIs.io network. Tagged areas include Financial Services, Insurance, United Kingdom, and Mortgage.

The Accord catalog on APIs.io includes 1 Spectral governance ruleset.

Accord’s developer surface includes authentication and 7 more developer resources.

9.3/100 minimal ▬ flat Agent 3/100 human only Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →
AccessEnterprise
0 APIs 4 Features 3 Use Cases
Financial ServicesInsuranceUnited KingdomMortgage

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0
Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Show this score on your site. Kin Score badge preview for Accord It updates itself when the score changes. Paste this where you link to your API docs:
<a href="https://apis.io/providers/accord/"><img src="https://apis.io/badge/accord/card.svg" alt="Accord on APIs.io — Kin Score by API Evangelist"></a>
Other styles, a README pill and a shields.io endpoint are on the badge page.
Raise your score.
Agent readiness — checks not met, largest first (exact, from this profile):
  • Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
  • MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
  • Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
  • Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
  • Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
  • A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
11 more unmet checks in the Agent Readiness table above.
Kin Score — facets with the most composite points still available (weight × headroom):
Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/accord/apis.yml: open an issue on github.com/api-evangelist/accord to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

MarketPositionDepthRegistered MCP serverDeclares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers) undeclared - - -

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Accord API pricing

Not yet checked against Accord's own pricing page. Compiled by API Evangelist on 2026-05-16 from www.accord-mortgages.co.uk/; confirm before you rely on a figure.

PlanPrice
Authorized Intermediary Access enterprise —

Plan details, limits and sources →

Rate limits

Compiled by API Evangelist, not yet checked against Accord's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Accord Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Accord Rate Limits

1 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Features 4

Notable capabilities this provider offers.

Intermediary Mortgage Sourcing

Online sourcing of Accord mortgage products by authorized intermediaries through the broker portal.

Decision in Principle

Broker-portal-driven Decision in Principle (DIP) for borrower mortgage applications.

Application Submission

Online submission and tracking of full mortgage applications by intermediaries.

Product Switching

Existing-customer product transfer and rate-switch workflows handled through the broker portal.

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Accord — apap rules

0 rules ·

SPECTRAL

Use Cases 3

What developers build with this provider.

Broker-Originated Mortgages

Authorized intermediaries originating residential and buy-to-let mortgages on behalf of UK borrowers.

Mortgage Product Sourcing

Comparing and selecting Accord mortgage products through broker sourcing systems.

Customer Retention

Existing-borrower product transfers managed through Accord's intermediary channel.

Integrations 4

Pre-built integrations with other platforms and tools.

Twenty7Tec

Twenty7Tec sourcing platform is a primary integration channel for broker mortgage sourcing.

Iress

Iress sourcing platform connects intermediaries to Accord mortgage products.

Mortgage Brain

Mortgage Brain sourcing and CRM platform integrates with Accord for intermediary distribution.

Yorkshire Building Society

Accord Mortgages is the intermediary-only lender of the Yorkshire Building Society Group.

Resources

Get Started 1

Portal, sign-up, and the first successful call

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Build 1

SDKs, sample code, and the tooling you integrate with

Access & Security 2

Authentication, authorization, and security posture

Operate 1

Status, limits, changes, and where to get help

Commercial 2

Pricing, plans, and the legal terms of use

Company 2

The organization behind the API

Source (apis.yml)

apis.yml Raw ↑
aid: accord
url: https://raw.githubusercontent.com/api-evangelist/accord/refs/heads/main/apis.yml
name: Accord
type: Index
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Enterprise
  confidence: low
  source:
  - plans
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/accord.png
tags:
- Financial Services
- Insurance
- United Kingdom
- Mortgage
tags_raw:
- Financial Services
- Insurance
- United Kingdom
- Mortgages
description: A UK-based financial services company operating within the Allianz group, providing insurance and financial products
  to retail and business customers across the United Kingdom.
created: '2026-05-05'
modified: '2026-05-16'
specificationVersion: '0.23'
apis: []
common:
- type: Plans
  url: plans/accord-plans-pricing.yml
- type: RateLimits
  url: rate-limits/accord-rate-limits.yml
- type: FinOps
  url: finops/accord-finops.yml
- type: GitHubOrganization
  url: https://github.com/accordproject
- type: LinkedIn
  url: https://www.linkedin.com/company/accordproject
- type: Website
  url: https://www.accord-mortgages.co.uk/
- type: Login
  url: https://www.accord-mortgages.co.uk/intermediary-login
- type: Features
  data:
  - name: Intermediary Mortgage Sourcing
    description: Online sourcing of Accord mortgage products by authorized intermediaries through the broker portal.
  - name: Decision in Principle
    description: Broker-portal-driven Decision in Principle (DIP) for borrower mortgage applications.
  - name: Application Submission
    description: Online submission and tracking of full mortgage applications by intermediaries.
  - name: Product Switching
    description: Existing-customer product transfer and rate-switch workflows handled through the broker portal.
- type: UseCases
  data:
  - name: Broker-Originated Mortgages
    description: Authorized intermediaries originating residential and buy-to-let mortgages on behalf of UK borrowers.
  - name: Mortgage Product Sourcing
    description: Comparing and selecting Accord mortgage products through broker sourcing systems.
  - name: Customer Retention
    description: Existing-borrower product transfers managed through Accord's intermediary channel.
- type: Authentication
  data:
  - name: No Public API
    description: Accord does not publish a public developer API or developer portal. Broker access is provided through the
      intermediary web portal and authenticated by individual broker login; technical sourcing integrations with the major
      UK sourcing systems (Twenty7Tec / Iress / Mortgage Brain) are handled bilaterally rather than via a public Accord-branded
      API.
- type: Compliance
  data:
  - name: FCA Regulated
    description: Authorized and regulated by the UK Financial Conduct Authority (FCA) for mortgage and financial services
      activities.
  - name: PRA
    description: Prudential Regulation Authority oversight applies to the parent group as a UK regulated lender.
  - name: GDPR / UK GDPR
    description: UK General Data Protection Regulation and Data Protection Act 2018 compliance for personal data of UK applicants.
  - name: Consumer Duty
    description: FCA Consumer Duty rules for fair treatment of retail mortgage customers.
- type: Integrations
  data:
  - name: Twenty7Tec
    description: Twenty7Tec sourcing platform is a primary integration channel for broker mortgage sourcing.
  - name: Iress
    description: Iress sourcing platform connects intermediaries to Accord mortgage products.
  - name: Mortgage Brain
    description: Mortgage Brain sourcing and CRM platform integrates with Accord for intermediary distribution.
  - name: Yorkshire Building Society
    description: Accord Mortgages is the intermediary-only lender of the Yorkshire Building Society Group.
- type: SpectralRules
  url: https://github.com/accordproject/apap/blob/7ab96f901f9aa972383792c93467cd6415418577/.spectral.yaml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
x-lifecycle:
  state: shuttered
  reason: domain-does-not-resolve
  observed: '2026-09-27'
  detail: The company's own domain returned no A or AAAA record when probed. This is an observation about the domain, not
    a request from the company.
  indexed: false

Accord API — frequently asked questions

How do I authenticate with the Accord API?

Accord uses bearer-token authentication.

How much does the Accord API cost?

APIs.io lists 1 pricing plan for Accord, with each plan's price, limits and inclusions under Pricing on this page.

Is the Accord API ready for AI agents?

Accord has a Kin Score of 9.3 out of 100 (minimal) and an Agent Readiness score of 3.1 (human-only), scored by API Evangelist on 2026-11-06.

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