In the pecking order of UK mortgage companies, Northern Rock claim to be "Top 5", which probably means they are fifth.

They provide fixed rate, variable, lifetime, buy-to-let and something they call "together" mortgages. Customers should be careful here as the deal effectively lumps a loan on top your mortgage, with the unsecured loan of up to £30,000 at the same rate of interest as the mortgage.

Northern Rock are a bit cagey about providing information on their mortgage fees, asking customers to apply first - make your own conclusions from that.

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