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This may enable you to shop around for another lender offering a competitive rate of interest. If you can pay down the unsecured element, this will also help." The Together loan customers also need to consider, they will probably not have build up much, if any, equity, and when the term of their original deal comes to an end, they will be switched to Northern Rock’s SVR product, which is one with the highest interest rates in the market at 7. 59%. Some think that Northern Rock is the last place they want to have their loans with, but on the plus side, every move is being closely scrutinised and any questionable practices will not occur.. commercial mortgage loan surrey bc analysis consumer loan application essay getting an unsecured loan no interest new car loans gold loan