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Product	Fixed until	Initial Rate	Followed by our Standard Variable Rate, currently	Overall cost for comparison	Max Loan To Value	Product Fee	Early Repayment Charge	view notes or request quote
2 Year Flexi Fixed	01 Oct 2010	5.89%	7.49%	7.5% APR	75%	£1495	4% until 01 Oct 2010	see below
Product Fee can be added to the loan on completion Refer to scale for Valuation fee payable - £250 non-refundable Application fee charged as part of the valuation Daily Interest Overpayments, underpayments, borrowback facility and payment holidays No Higher Lending Charge Early Repayment Charge of 4% applied to the original secured balance within the incentive period, payable on full redemption only
2 Year Flexi Fixed	01 Oct 2010	6.34%	7.49%	7.5% APR	80%	£1495	4% until 01 Oct 2010	see below
Product Fee can be added to the loan on completion Refer to scale for Valuation fee payable - £250 non-refundable Application fee charged as part of the valuation Daily Interest Overpayments, underpayments, borrowback facility and payment holidays No Higher Lending Charge Early Repayment Charge of 4% applied to the original secured balance within the incentive period, payable on full redemption only
2 Year Flexi Fixed	01 Oct 2010	7.19%	7.49%	7.7% APR	90%	£1495	4% until 01 Oct 2010	see below
Product Fee can be added to the loan on completion Refer to scale for Valuation fee payable - £250 non-refundable Application fee charged as part of the valuation Daily Interest Overpayments, underpayments, borrowback facility and payment holidays No Higher Lending Charge Early Repayment Charge of 4% applied to the original secured balance within the incentive period, payable on full redemption only
2 Year Flexi Fixed	01 Oct 2010	6.49%	7.49%	7.5% APR	75%	£0	4% until 01 Oct 2010	see below
Refer to scale for Valuation fee payable - £250 non-refundable Application fee charged as part of the valuation Daily Interest Overpayments, underpayments, borrowback facility and payment holidays No Higher Lending Charge Early Repayment Charge of 4% applied to the original secured balance within the incentive period, payable on full redemption only
2 Year Flexi Fixed	01 Oct 2010	6.94%	7.49%	7.6% APR	80%	£0	4% until 01 Oct 2010	see below
Refer to scale for Valuation fee payable - £250 non-refundable Application fee charged as part of the valuation Daily Interest Overpayments, underpayments, borrowback facility and payment holidays No Higher Lending Charge Early Repayment Charge of 4% applied to the original secured balance within the incentive period, payable on full redemption only
2 Year Flexi Fixed	01 Oct 2010	7.79%	7.49%	7.7% APR	90%	£0	4% until 01 Oct 2010	see below
Refer to scale for Valuation fee payable - £250 non-refundable Application fee charged as part of the valuation Daily Interest Overpayments, underpayments, borrowback facility and payment holidays No Higher Lending Charge Early Repayment Charge of 4% applied to the original secured balance within the incentive period, payable on full redemption only
exclusive 3 year flexi fixed	01 Oct 2011	5.79%	7.49%	7.3% APR	75%	£1195	4% until 01 Oct 2011	see below
This product is available to all intermediaries who are associated with a club or network registered with Northern Rock. Please contact your club, network or Northern Rock BDM if you have any queries. Product Fee can be added to the loan on completion Refer to scale for Valuation fee payable - £250 non-refundable Application fee charged as part of the valuation Daily Interest Overpayments, underpayments, borrowback facility and payment holidays No Higher Lending Charge Early Repayment Charge of 4% applied to the original secured balance within the incentive period, payable on full redemption only Max loan £1 million
5 Year Flexi Fixed	01 Oct 2013	6.19%	7.49%	7.2% APR	75%	£1495	4% until 01 Oct 2013	see below
Product Fee can be added to the loan on completion Refer to scale for Valuation fee payable - £250 non-refundable Application fee charged as part of the valuation Daily Interest Overpayments, underpayments, borrowback facility and payment holidays No Higher Lending Charge Early Repayment Charge of 4% applied to the original secured balance within the incentive period, payable on full redemption only
5 Year Flexi Fixed	01 Oct 2013	6.64%	7.49%	7.4% APR	80%	£1495	4% until 01 Oct 2013	see below
Product Fee can be added to the loan on completion Refer to scale for Valuation fee payable - £250 non-refundable Application fee charged as part of the valuation Daily Interest Overpayments, underpayments, borrowback facility and payment holidays No Higher Lending Charge Early Repayment Charge of 4% applied to the original secured balance within the incentive period, payable on full redemption only
5 Year Flexi Fixed	01 Oct 2013	7.49%	7.49%	7.7% APR	90%	£1495	4% until 01 Oct 2013	see below
Product Fee can be added to the loan on completion Refer to scale for Valuation fee payable - £250 non-refundable Application fee charged as part of the valuation Daily Interest Overpayments, underpayments, borrowback facility and payment holidays No Higher Lending Charge Early Repayment Charge of 4% applied to the original secured balance within the incentive period, payable on full redemption only
5 Year Flexi Fixed	01 Oct 2013	6.59%	7.49%	7.3% APR	75%	£0	4% until 01 Oct 2013	see below
Refer to scale for Valuation fee payable - £250 non-refundable Application fee charged as part of the valuation Daily Interest Overpayments, underpayments, borrowback facility and payment holidays No Higher Lending Charge Early Repayment Charge of 4% applied to the original secured balance within the incentive period, payable on full redemption only
5 Year Flexi Fixed	01 Oct 2013	7.04%	7.49%	7.5% APR	80%	£0	4% until 01 Oct 2013	see below
Refer to scale for Valuation fee payable - £250 non-refundable Application fee charged as part of the valuation Daily Interest Overpayments, underpayments, borrowback facility and payment holidays No Higher Lending Charge Early Repayment Charge of 4% applied to the original secured balance within the incentive period, payable on full redemption only
5 Year Flexi Fixed	01 Oct 2013	7.89%	7.49%	7.8% APR	90%	£0	4% until 01 Oct 2013	see below
Refer to scale for Valuation fee payable - £250 non-refundable Application fee charged as part of the valuation Daily Interest Overpayments, underpayments, borrowback facility and payment holidays No Higher Lending Charge Early Repayment Charge of 4% applied to the original secured balance within the incentive period, payable on full redemption only
10 year flexi fixed	01 Oct 2018	6.29%	7.49%	6.9% APR	75%	£0	4% until 01 Oct 2013 2% until 01 Oct 2018	see below
Refer to scale for Valuation fee payable - £250 non-refundable Application fee charged as part of the valuation Daily Interest Overpayments, underpayments, borrowback facility and payment holidays No Higher Lending Charge Early Repayment Charge of 4% applied to the original secured balance within the incentive period, payable on full redemption only
15 year flexi fixed	01 Oct 2023	6.29%	7.49%	6.7% APR	75%	£0	4% until 01 Oct 2013 2% until 01 Oct 2018 1% until 01 Oct 2023	see below
Refer to scale for Valuation fee payable - £250 non-refundable Application fee charged as part of the valuation Daily Interest Overpayments, underpayments, borrowback facility and payment holidays No Higher Lending Charge Early Repayment Charge of 4% applied to the original secured balance within the incentive period, payable on full redemption only
2 year flexi tracker	01 Oct 2010	5.79%	7.49%	7.5% APR	75%	£1995	4% until 01 Oct 2010	see below
Refer to scale for Valuation fee payable - £250 non-refundable Application fee charged as part of the valuation Daily Interest Overpayments, underpayments, borrowback facility and payment holidays No Higher Lending Charge Early Repayment Charge of 4% applied to the original secured balance within the incentive period, payable on full redemption only
2 year flexi tracker	01 Oct 2010	6.54%	7.49%	7.5% APR	75%	£0	4% until 01 Oct 2010	see below
Refer to scale for Valuation fee payable - £250 non-refundable Application fee charged as part of the valuation Daily Interest Overpayments, underpayments, borrowback facility and payment holidays No Higher Lending Charge Early Repayment Charge of 4% applied to the original secured balance within the incentive period, payable on full redemption only

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