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View Our Current Mortgage Rates

With a fixed mortgage, you can avoid the uncertainty of possible changes to your mortgage payment by fixing the interest rate for a set period of time. This will be agreed at the start of the mortgage.

The actual fixed interest rate and period over which it will apply will depend on the terms of the deal you choose. Our current range of fixed rate products are shown below.

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
2 Year Flexi Fixed	01 Nov 2010	5.79%	7.49%	7.50% APR	75%	£1995	4% until 01 Nov 2010	see below
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 Get a quote
2 Year Flexi Fixed	01 Nov 2010	6.29%	7.49%	7.50% APR	80%	£1995	4% until 01 Nov 2010	see below
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 Get a quote
2 Year Flexi Fixed	01 Nov 2010	7.49%	7.49%	7.70% APR	90%	£1995	4% until 01 Nov 2010	see below
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 Get a quote
2 Year Flexi Fixed	01 Nov 2010	5.99%	7.49%	7.50% APR	75%	£995	4% until 01 Nov 2010	see below
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 Get a quote
2 Year Flexi Fixed	01 Nov 2010	6.49%	7.49%	7.50% APR	80%	£995	4% until 01 Nov 2010	see below
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 Get a quote
2 Year Flexi Fixed	01 Nov 2010	7.69%	7.49%	7.70% APR	90%	£995	4% until 01 Nov 2010	see below
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 Get a quote
2 Year Flexi Fixed	01 Nov 2010	6.39%	7.49%	7.50% APR	75%	£0	4% until 01 Nov 2010	see below
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 Get a quote
2 Year Flexi Fixed	01 Nov 2010	6.94%	7.49%	7.50% APR	80%	£0	4% until 01 Nov 2010	see below
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 Get a quote
2 Year Flexi Fixed	01 Nov 2010	8.14%	7.49%	7.70% APR	90%	£0	4% until 01 Nov 2010	see below
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 Get a quote
5 Year Flexi Fixed	01 Nov 2013	5.89%	7.49%	7.10% APR	75%	£995	4% until 01 Nov 2013	see below
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 Get a quote
5 Year Flexi Fixed	01 Nov 2013	6.49%	7.49%	7.30% APR	80%	£995	4% until 01 Nov 2013	see below
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 Get a quote
5 Year Flexi Fixed	01 Nov 2013	7.89%	7.49%	7.80% APR	90%	£995	4% until 01 Nov 2013	see below
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 Get a quote
5 Year Flexi Fixed	01 Nov 2013	6.19%	7.49%	7.10% APR	75%	£0	4% until 01 Nov 2013	see below
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 Get a quote
5 Year Flexi Fixed	01 Nov 2013	6.79%	7.49%	7.30% APR	80%	£0	4% until 01 Nov 2013	see below
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 Get a quote
5 Year Flexi Fixed	01 Nov 2013	8.19%	7.49%	7.90% APR	90%	£0	4% until 01 Nov 2013	see below
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 Get a quote
10 year flexi fixed	01 Nov 2018	6.39%	7.49%	6.90% APR	75%	£0	4% until 01 Nov 2013 2% until 01 Nov 2018	see below
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 2013, then 2% until 2018 applied to the original secured balance within the incentive period, payable on full redemption only Get a quote
15 year flexi fixed	01 Nov 2023	6.39%	7.49%	6.80% APR	75%	£0	4% until 01 Nov 2013 2% until 01 Nov 2018 1% until 01 Nov 2023	see below
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 2013, then 2% until 2018, then 1% until 2023 applied to the original secured balance within the incentive period, payable on full redemption only Get a quote
2 year flexi tracker	01 Nov 2010	5.84%	7.49%	7.50% APR	75%	£1995	4% until 01 Nov 2010	see below
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 Get a quote
2 year flexi tracker	01 Nov 2010	6.59%	7.49%	7.50% APR	75%	£0	4% until 01 Nov 2010	see below
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 Get a quote

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