Northern Rock Mortgage Reviews

Watch this item
1.4 stars
Average rating for this product is: 1.4 out of 5

From 1 rating and 31 reviews

Thumb down 19% of users recommend this product

Rate it Now:

Click on the stars above to rate this product:

Tweet This Item


NameProduct TypeDiscount LengthSubsequent RateOverall Cost  
WoolwichStep Lifetime Tracker1 year(Base+ 2.49%) currently 2.99%3.00% APR
AbbeyTracker2 year4.24%4.10% APR
WoolwichOffset TrackerTerm(Base+ 2.47%) currently 2.97%3.10% APR
First DirectTrackerTermBase + 2.49% currently 2.99%3.00% APR
WoolwichLifetime TrackerTerm(Base+ 2.69%) currently 3.19%3.20% APR
AbbeyTracker2 year4.24%4.20% APR
First DirectTrackerTermBase + 2.94% currently 3.44%3.50% APR
First DirectFixed2 year3.69%3.80% APR
AbbeyFixed2 Years4.24%4.30% APR
The One AccountVariableN/A3.75%3.80% APR
WoolwichFixedUntil 31/01/2012(Base+ 1.99%) currently 2.49%2.80% APR
First DirectFixed2 year3.69%3.90% APR
WoolwichBuy to Let Fixed Portfoliountil 02/02/2013(Base+2.49%) currently 2.99%3.90% APR

Average Ratings for Northern Rock Mortgage

  • Reviewer Ratings1.3 stars
  • Overall Rating1.4 stars

31 Reviews For Northern Rock Mortgage

  • Guest 29th Oct 2009

    Reviewer rating: 1 stars


    Guest's review has yet to be rated - Be the first!
    Report this review



    If your looking for a mortgage provider DO NOT GO WITH NORTHERN ROCK!! They are an absolute joke. We took out a 100% mortgage with them just over 2 years ago. We now want to upsize and move into a bigger house. which is slightly cheaper then the place we live in now. When i rang them to ask if they were able to transfer the mortgage to the new property they said they would not and that they would only offer us a mortgage for 85% of the property!!! Meaning we would have to find thousands of pounds before we can move. We are now stuck in a house too small and no1 is willing to help us!!!! thanks for nothing NORTHERN ROCK !!!!!!!!!!!!!!

  • Guest 29th Oct 2009

    Reviewer rating: 1 stars


    Guest's review has yet to be rated - Be the first!
    Report this review


    I URGE ANYONE LOOKING FOR A MORTGAGE NOT TO GO WITH NORTHERN ROCK !!!!!
    These unscrupulous rip off merchants have absolutely no morals or sympathy for anyone that they offered a 100% mortgage to.

    I have a 3 year fixed rate taken out in 2006, part loan part mortgage. I now want to move house with my "portable" mortgage but northern rock are not prepared to lend us the money or port it over. The other sting in the ass is that even if I do port it over to another mortgage with Northern rock, or sw ...

  • Guest 25th Oct 2009

    Reviewer rating: 1 stars


    Guest's review has yet to be rated - Be the first!
    Report this review


    Have Lifetime Mortgage with Northern Rock it's portable they said,sold house in june 2009 after weeks of telephone calls filling in more forms a c
    ndmore excuses its now 24th Oct 2009.6 people in chain pulling their hair out.Is there someone outthere who can help.Have had mortgage offer since 17 sept 2009, but they make up all sorts of excuses not to release money.

  • Michelle Cranford Rank: Lance Corporal 16th Apr 2009

    Reviewer rating: 0 stars


    Michelle Cranford's review has yet to be rated - Be the first!
    Report this review


    Last September i remortgaged with Northern Rock - 2 year fixed rate just before the rates hit the floor, my tough luck again - due to having the house on the market i wanted a portable mortgage so if a buyer came along porting my mortgage should have been simple!!! how wrong can a Financial advisor be??- i am now in my 6th week of just trying to get Northern Rock to appoint a surveyor on the property i wish to buy, so far they have been totaly unprofessional and show a total disregard to any one ...

  • eileen t 20th Jun 2008

    Reviewer rating: 0.5 stars


    eileen t's review has yet to be rated - Be the first!
    Report this review


    What can i say except help! Spoke to Northern Rock about moving house. They asked value etc, Fine they say,you have 9,400 to play with,DO YOU STILL WANT 100%?? YES i say NO PROBLEM THEY SAY. So there i go put the house up for sale,A querie pops up so i ring N/R,then floor me by saying when you put down your 10% deposit WHAT!! I SAY oh yes we dont do 100% now so you need 10% down.so thank you N/R i now need around 12,500 what with deposit and fees.QUESTION!!! DO I HAVE THAT MONEY!!!! HELL ...

  • spu230479 22nd May 2008

    Reviewer rating: 0 stars


    spu230479's review has yet to be rated - Be the first!
    Report this review


    I bought a 3 year fixed together product with Northern Rock in 2005 with the help with costs option through an Indepdent Mortgage Advisor, these help with costs ( £750) would not be repaid as long as I stayed with them for 3 years 6 months. In Febuary 2008 I was told to look else where for a mortgage by Northern Rock as they couldn't of competitive rates - at this point they did not make me aware of clause in my contract that I would have to repay the £750.When attaining my redempti ...

  • Hamster1234 17th Mar 2008

    Reviewer rating: 0.5 stars


    Hamster1234's review has yet to be rated - Be the first!
    Report this review


    After having an in principal decision of £240k from Northern Rock, and now really struggling to get a mortgage for £137k is a joke. We earn over £55k a year between us not including commissions and have excellent credit. We have had problem after problem, with them not believing paperwork which we sent them. I have had even had to go to the Inland Revenue to confirm that I am not a director of the company I work for, nor am I self employed or have shares within the company..... ...

  • nishnosh 20th Feb 2008

    Reviewer rating: 0.5 stars


    nishnosh's review has yet to be rated - Be the first!
    Report this review


    I took out a together mortgage with NR to pay off an existing secured loan when moving house back in April 2006. Everything was fine up until now. NR has advised me to search for a remortgage elsewhere as their interest rates are too high. Problem is I have a -ve equity on my house now because of the additional loan, which makes it hard to get a mortgage elsewhere. NR says I'll need to settle both the secured and unsecured loan with them before leaving them or if I want to split the unsecured lo ...

  • rahenaahmed 4th Dec 2007

    Reviewer rating: 0.5 stars


    rahenaahmed's review has yet to be rated - Be the first!
    Report this review


    I am disgusted at the service provided by Northern Rock unfortunately as I am on maternity I cant even swop my mortgage to another lender. I applied for a mortgage review and two times the application wasn't received by them coincidence I don't think, I was promised to have one sent special delivery in October and am still waiting for this I think its travelling by camel this has now resulted in my account being in arrears and myself receiving threatening letters and when I have spoken to the ad ...

  • RockCrusher 2nd Oct 2007

    Reviewer rating: 0.5 stars


    RockCrusher's review has yet to be rated - Be the first!
    Report this review


    Where do I start, quoted 10 day turnaround time as an EXISTING mortgage holder when I had to move and increase the mortgage. 37 days later and endless calls letters etc I am waiting for an answer. If I leave then there is a £4000 redemption penalty to pay plus fees lost and a whole heap of other costs that I have been saddled with. As of tomorrow I am homeless and in real danger of losing my chosen property. I have supplied the following and they are STILL stalling; P60 (06-07), 4 months p ...

  • bear25 Rank: Lance Corporal 25th Jul 2007

    Reviewer rating: 3.5 stars


    bear25's review has yet to be rated - Be the first!
    Report this review


    All in all Northern Rock offer a great mortgage if you are starting out and have little or no savings. Also rates are good and the only down side is the tie in.

  • carternm31 Rank: Major 28th Mar 2007

    Reviewer rating: 2.5 stars


    carternm31's review has yet to be rated - Be the first!
    Report this review


    I must say first off, that we didn't actually have many problem within the 2 years we were with NR. We paid our amount every month as normal, and job done. They reared their ugly heads when we re-mortgaged elsewhere (although I also can't say much for the idiots we re-mortgaged with)!

    Due to the re-mortgaging taking so long, we started paying the high interest payments from February 22nd (which we fully expected). This wasn't the problem. The problem was that until we finally swapped mortgage ...

  • franz99 27th Feb 2007

    Reviewer rating: 0 stars


    franz99's review has yet to be rated - Be the first!
    Report this review


    Please find details up-to-date in a letter I am currently sending to Northern Rock:

    With reference to the complaint case raised on the above application in joint names, I refer to my last call with yourselves on the 21st of February, where I was cut off during conversation at approximately 15:45 hours.
    I had advised you at this point that I would like to raise a complaint regarding the issues I had with the above mentioned application.
    The points I raised were that I had received a mortgage ...

  • jokey 17th Oct 2006

    Reviewer rating: 0 stars


    jokey's review has yet to be rated - Be the first!
    Report this review


    Myself and my partner are first time buyers with no deposit, so we decided to go with NR and take their Together mortgage - because we wanted to complete home improvements and consolidate existing debts.

    The initial call to Norther Rock was very good, and they explained everything, credit checked us and informed me I could receive £154K. I received an offer in principle and set about looking for a property. With the money needed for debts and improvements we had £133k to look for ...

  • Clare1508Cooper 3rd Oct 2006

    Reviewer rating: 0.5 stars


    On average, people found this review very helpful
    Report this review


    I can't wait to leave Northern Rock once my mortgage tie-in period is finished. The day to day running of the mortgage is fine. However, as soon as you need to change product or move house, things turn bad. Their 'hidden costs' appear comparatively high, their documentation is misleading, and I would question the quality of staff training, as I'd often get completely different answers to the same question. In my last dealings with them I had to take my complaints to the FSA before they bother ...

  • dollismummi Rank: Sergeant 24th Sep 2006

    Reviewer rating: 4 stars


    dollismummi's review has yet to be rated - Be the first!
    Report this review


    I have just taken out a mortgage with Northern Rock Mortgage and have encountered no problems yet!!!!
    When I contacted them by telephone I was given some excellent advice with a friendly service. All paper work received promptly. If I do have any problems in the future I will be sure to post them!

  • redmaynes 21st Sep 2006

    Reviewer rating: 2.5 stars


    redmaynes's review has yet to be rated - Be the first!
    Report this review


    Lost forms at Northern Rock for mortgage application, then lost information when it came to review the mortgage, then lost forms when it came to apply for further borrowing. They're only answer is to send out another form, which you can be fairly sure will get lost. I even sent the latest form by recorded delivery and they have a record of receiving it, but it still got lost!!!! And the fees i paid for anything i needed to do are ridiculous. I used to be a mortgage broker around 6 years ago and ...

  • nicolar 6th Sep 2006

    Reviewer rating: 0 stars


    nicolar's review has yet to be rated - Be the first!
    Report this review


    Their customer service is appalling. They set up an incorrect direct debit on my current account before completion of my flat purchase. Two large amounts of money were taken from my account for 2 successive months. Although the money was refunded, I have still not received any offer of compensation from Northern Rock over a month after my first letter of complaint was sent.

  • babylolo Rank: Lance Corporal 30th Aug 2006

    Reviewer rating: 0 stars


    babylolo's review has yet to be rated - Be the first!
    Report this review


    We recently moved house and wanted to port our existing mortgage with us. It sounds simple, but the amount of problems we experienced with Northern Rock, from wrong advice being given to losing forms and cheques, it turned into an absolute nightmare. I was never able to get through on the phone, and I was either left on hold for over an hour before being cut off, or if I left a message, they never called back. I will be moving my mortgage from this company at the earliest opportunity.

  • Muckey 21st Apr 2006

    Reviewer rating: 4.5 stars


    Muckey's review has yet to be rated - Be the first!
    Report this review


    I wanted to set up a mortgage with Bright Mortgage Advice, who after reviewing my position and needs gave me a choice, I went for the Northern Rock option and glad I did. I received an instant decison, a rapid valuation followed, topped off by an offer document, all within 1 week, Thank you.