Northern Rock has its mortgage rates for the fifth time this year.
The latest reductions apply to selected Everyday residential products, with rates dropping by up to 0.7 per cent.
They include the Everyday two and three-year fixed and tracker mortgages, some of which carry product fees.
For example, Everyday two-year fixed rates start from 3.39 per cent for those with a 30 per cent deposit and comes with a £995 fee.
The same product carries a rate of 3.75 per cent for borrowers with a 25 per cent down payment.
Meanwhile, two-year tracker rates start from 2.55 per cent - the Bank of England base rate plus 2.05 per cent - with a 30 per cent deposit.
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