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There are several key points about borrowed chords that are useful to
remember:
1. The chords are always borrowed from the parallel minor or major, not the
relative minor or major.
2. There are only three scale degrees that differ between the major and
minor scales, 3, 6, and 7, so these are the only steps where accidentals
will occur when borrowing. When in a major key and borrowing from the
minor, these notes will need to be lowered by one half step. The lowered
6th scale degree is the most commonly used note in mode mixture.
3. Borrowing chords from minor keys occurs more often than borrowing
from major, because chords with raised 6th & 7th scale degrees are
already used in minor. This means there are fewer options when trying to
find new chords in major to borrow, since many of them are already
existing diatonic chords in minor.
4. When the root of the borrowed chord is on an altered note, the Roman
numeral is usually preceded by a flat sign (such as a bVI chord, called a
“flat-six chord”.)
5. Conversely, if borrowing chords from major for use in the parallel minor
key, notes will need to be raised. The raised 3rd scale degree is the main
note that will be altered during this type of mode mixture, since the 6th
and 7th scale degrees already may be raised in minor. The main chord
that is borrowed from the parallel major into minor is the major tonic triad
(in other words, major I used in place of minor i). This is also known as
the “Picardy Third.”
3. Inserting the borrowed chord after the same Roman numeral will only
work when the borrowed chord contains only one accidental, otherwise
parallels will occur (e.g. you cannot move from vi to bVI without having
parallels, since both the root and fifth need to be lowered one half step.)
4. When choosing a chord to precede a borrowed chord, use a chord that
will approach the chromatic note smoothly, and which also has good root
movement to the borrowed chord. For example, if your borrowed chord
contains the lowered 6th scale degree, approaching that note from the
regular 6th scale degree or the 5th scale degree would be good choices.
Make chromatic movement in the same voice to avoid cross relations.
5. Just as when working in the minor mode, avoid creating an augmented
second interval (A2) between the lowered sixth scale degree and the
leading tone in your voice leading.