Following nationalisation, we are not here to sell new loans or any other financial products. Instead our aim is to deliver a high level of service that treats you fairly and gives you the support and guidance you need to plan for a more secure financial future.
Our overall aim is to help you stay up to date with your loan payments. We want to help you manage your loan in the right way.
Our website is designed to give you a wide range of information about your loan. Please contact us if you can't find what you're looking for, or if you want to discuss more options about your loan.
Loans no longer linked to your mortgage
Together Mortgages are a combination of a secured mortgage and an unsecured loan at a single interest rate with one combined monthly payment.
If you have redeemed the secured portion of your mortgage and opted to leave the unsecured element as a stand alone personal unsecured loan, the loan will be referred to as Delinked. The rate on the unsecured loan would be charged at standard variable rate + 3%, 5% or 8% depending on your product rate. Please refer to your original terms and conditions for more information.
Please note that delinked loans do not have any Flexible Features, however you can make overpayments penalty free.
If you would like to contact us about your delinked loan please do so on 0845 604 2873* and we will be happy to help with any queries.
If you would like to write to us about your delinked loan, please use the following address details:
NRAM Mortgage Operations
PO Box 625
An unsecured loan is also known as a Personal Loan. Some lenders refer to them as loans for non-homeowners.
NRAM agreed to sell and transfer its portfolio of standalone unsecured personal loans to OneSavings Bank plc and Marlin Financial Group Ltd. The transfer of loans to a Marlin Financial Group company was completed on 28 October 2013 and the transfer of loans to OneSavings Bank plc was completed on 10 February 2014.
Find out more
By Direct Debit - payments can be made via Direct Debit please contact us to set this up.
By Debit card - payments can be made over the telephone with your Visa Debit, Delta or Connect card. Please contact us to make your monthly payment.
By Post - send a cheque or postal order payable to Northern Rock (Asset Management) plc to NRAM Personal Loans Selectpost 19 Rotherham S97 3DG. Please ensure that you quote your account number on the front in the top right hand corner.