Overview
You can submit a Decision in Principle (DIP) to Accord directly from Smartr365 using SmartrConnect. Accord submissions go through the IRESS integration, which pre-populates your case data into the lender's system.
Before You Start
Feature flag: Accord must be enabled for your firm
Credentials: Your Accord adviser credentials must be saved in Settings > My Credentials
Case data: The case must have a mortgage product selected with a valid loan amount and term
Mandatory Fields
The following must be completed for each applicant before you can submit:
Field | Where to Complete | Notes |
Current Employment | Fact Find > Employment | At least one current employment record per applicant |
Income Verifiability | SmartrConnect form | Confirm whether commission, overtime, bonus, and salary are verifiable |
Disclaimer Acceptance | SmartrConnect form | Must accept the submission disclaimer |
Application Type | SmartrConnect form | Select DIP Pre-Pop as the submission type |
Fact Find Sections to Complete
Personal Details (both applicants if joint)
Address History
Current Employment & Income
Property Details
Mortgage Details (loan amount, term, repayment method)
How to Submit
Open the case and navigate to SmartrConnect from the top toolbar
Select Accord as the lender
Choose DIP Pre-Pop as the application type
For each applicant, confirm the income verifiability flags:
Commission Verifiable
Overtime Verifiable
Bonus Verifiable
Accept the submission disclaimer
Click Submit
After Submission
Once submitted, the application status will update automatically. Smartr365 polls for results every 8 seconds. Possible outcomes:
Pending — Application submitted, awaiting lender decision
Completed — Decision received from the lender
Validation Failed — Missing or incorrect data. Check the error details and correct your case data
Login Failed — Invalid Accord credentials. Update in Settings > My Credentials
Troubleshooting
Issue | Solution |
Accord not showing as a lender option | Check that the Accord feature flag is enabled for your firm |
Validation errors on submit | Review the error modal for specific fields. Common issues: missing employment data, incomplete address history |
Login Failed result | Re-enter your Accord credentials in Settings > My Credentials |