Core Business

Northern Rock is a specialised lender, whose core business is the provision of UK residential mortgages.

Its network consists of over 70 branches plus postal, telephone and Internet operations, with some residential mortgage business sourced through the UK financial intermediary market.

Residential Mortgage Lending

Residential lending represents Northern Rock's core activity.

The Group's residential mortgage assets are spread geographically throughout the UK and are focused on customers with a sound credit history.

For more information visit the Mortgages section.

Insurance Products

Northern Rock distributes a limited range of household insurance and payment protection products primarily to residential mortgage customers, via third party providers. Life assurance products are supplied to Northern Rock's customers through a relationship with Legal & General.

Savings Pledge

Northern Rock will write to its savers every time it makes changes to interest rates on their account. If the account is a notice account and rates are to be reduced, the advance notice will be at least the same as the notice period.

Northern Rock will notify its savers of any new variable rate product it launches which is of a similar type to that already held by them.

Northern Rock will write to its savers if it changes terms and conditions on their accounts.