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View Our Current Mortgage Rates

Please note that our remortgage range is not available to existing Northern Rock customers who wish to change their existing mortgage deal without moving home.

Remortgage
Purchase

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
1 Year Flexi Fixed	01 Jan 2010	3.99%	5.84%	5.8% APR	65%	£995	4% until 01 Jan 2010	see below
Please note that this product is not available to existing Northern Rock customers who wish to change their existing mortgage deal without moving home Free valuation and legal fees for all residential remortgage customers - terms and conditions apply Product Fee can be added to the loan on completion 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 Jan 2011	4.59%	5.84%	5.7% APR	65%	£995	4% until 01 Jan 2011	see below
Please note that this product is not available to existing Northern Rock customers who wish to change their existing mortgage deal without moving home Free valuation and legal fees for all residential remortgage customers - terms and conditions apply Product Fee can be added to the loan on completion 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 Jan 2011	4.99%	5.84%	5.8% APR	75%	£995	4% until 01 Jan 2011	see below
Please note that this product is not available to existing Northern Rock customers who wish to change their existing mortgage deal without moving home Free valuation and legal fees for all residential remortgage customers - terms and conditions apply Product Fee can be added to the loan on completion 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 Jan 2011	6.69%	5.84%	6.0% APR	85%	£995	4% until 01 Jan 2011	see below
Please note that this product is not available to existing Northern Rock customers who wish to change their existing mortgage deal without moving home Free valuation and legal fees for all residential remortgage customers - terms and conditions apply Product Fee can be added to the loan on completion 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 Jan 2011	4.99%	5.84%	5.7% APR	65%	£0	4% until 01 Jan 2011	see below
Please note that this product is not available to existing Northern Rock customers who wish to change their existing mortgage deal without moving home Free valuation and legal fees for all residential remortgage customers - terms and conditions apply 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 Jan 2011	5.49%	5.84%	5.8% APR	75%	£0	4% until 01 Jan 2011	see below
Please note that this product is not available to existing Northern Rock customers who wish to change their existing mortgage deal without moving home Free valuation and legal fees for all residential remortgage customers - terms and conditions apply 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 Jan 2011	7.19%	5.84%	6.1% APR	85%	£0	4% until 01 Jan 2011	see below
Please note that this product is not available to existing Northern Rock customers who wish to change their existing mortgage deal without moving home Free valuation and legal fees for all residential remortgage customers - terms and conditions apply 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 Jan 2014	4.89%	5.84%	5.6% APR	65%	£995	4% until 01 Jan 2014	see below
Please note that this product is not available to existing Northern Rock customers who wish to change their existing mortgage deal without moving home Free valuation and legal fees for all residential remortgage customers - terms and conditions apply Product Fee can be added to the loan on completion 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 Jan 2014	5.19%	5.84%	5.7% APR	75%	£995	4% until 01 Jan 2014	see below
Please note that this product is not available to existing Northern Rock customers who wish to change their existing mortgage deal without moving home Free valuation and legal fees for all residential remortgage customers - terms and conditions apply Product Fee can be added to the loan on completion 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 Jan 2014	6.89%	5.84%	6.3% APR	85%	£995	4% until 01 Jan 2014	see below
Please note that this product is not available to existing Northern Rock customers who wish to change their existing mortgage deal without moving home Free valuation and legal fees for all residential remortgage customers - terms and conditions apply Product Fee can be added to the loan on completion 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 Jan 2014	5.25%	5.84%	5.6% APR	65%	£0	4% until 01 Jan 2014	see below
Please note that this product is not available to existing Northern Rock customers who wish to change their existing mortgage deal without moving home Free valuation and legal fees for all residential remortgage customers - terms and conditions apply 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 Jan 2014	5.55%	5.84%	5.7% APR	75%	£0	4% until 01 Jan 2014	see below
Please note that this product is not available to existing Northern Rock customers who wish to change their existing mortgage deal without moving home Free valuation and legal fees for all residential remortgage customers - terms and conditions apply 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 Jan 2014	7.25%	5.84%	6.4% APR	85%	£0	4% until 01 Jan 2014	see below
Please note that this product is not available to existing Northern Rock customers who wish to change their existing mortgage deal without moving home Free valuation and legal fees for all residential remortgage customers - terms and conditions apply 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 Jan 2019	5.79%	5.84%	5.9% APR	65%	£0	4% until 01 Jan 2014 2% until 01 Jan 2019	see below
Please note that this product is not available to existing Northern Rock customers who wish to change their existing mortgage deal without moving home Free valuation and legal fees for all residential remortgage customers - terms and conditions apply Daily Interest Overpayments, underpayments, borrowback facility and payment holidays No Higher Lending Charge Early repayment charge of 4% until 2014, then 2% until 2019 applied to the original secured balance within the incentive period, payable on full redemption only
10 year flexi fixed	01 Jan 2019	5.99%	5.84%	6.0% APR	75%	£0	4% until 01 Jan 2014 2% until 01 Jan 2019	see below
Please note that this product is not available to existing Northern Rock customers who wish to change their existing mortgage deal without moving home Free valuation and legal fees for all residential remortgage customers - terms and conditions apply Daily Interest Overpayments, underpayments, borrowback facility and payment holidays No Higher Lending Charge Early repayment charge of 4% until 2014, then 2% until 2019 applied to the original secured balance within the incentive period, payable on full redemption only
2 year flexi tracker	01 Jan 2011	4.99%	5.84%	5.8% APR	65%	£995	4% until 01 Jan 2011	see below
Please note that this product is not available to existing Northern Rock customers who wish to change their existing mortgage deal without moving home Free valuation and legal fees for all residential remortgage customers - terms and conditions apply Product Fee can be added to the loan on completion 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 Jan 2011	5.49%	5.84%	5.8% APR	65%	£0	4% until 01 Jan 2011	see below
Please note that this product is not available to existing Northern Rock customers who wish to change their existing mortgage deal without moving home Free valuation and legal fees for all residential remortgage customers - terms and conditions apply 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

Free Basic Valuation and Free Standard Legal Work for Remortgage Customers
Remortgage customers taking one of our residential products (excluding Buy To Let & Lifetime) will be entitled to a free basic valuation and free standard legal costs.

Free Basic Valuation for Remortgage Customers
Remortgage customers will be entitled to a free basic valuation report and will not be required to pay the £250 application fee. The valuation must be instructed by Northern Rock. If it is instructed by any other party, the cost will not be covered by Northern Rock.

Free Standard Legal Work for Remortgage Customers
Northern Rock will appoint a solicitor from its panel who will act on Northern Rock’s behalf to undertake the legal work involved. Northern Rock will cover all standard legal costs but your client will be responsible for paying the costs of any additional or non-standard legal work that may be required e.g. transfer of equity, Land Registry fees etc. If the customer wishes to appoint their own solicitor to act in this transaction they will be required to meet all legal costs.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE