The nationalised bank, which has been criticised for its strong repossession strategies over the last few months, says those cases where repossession does occur, it has worked with the customer, on average, for a period of 15 months from when they first fell into arrears.
The Chancellor Alistair Darling previously announced that all UK lenders have to give at least a three-month reprieve before beginning repossession orders.
The six-month package of RBS was criticised this week as a “publicity stunt” after most other lenders revealed that repossession action usually takes at least six months to enact.
Northern Rock chief executive Gary Hoffman says: “We continue to work with customers facing repayment difficulties to try and agree an acceptable debt management solution and avoid repossession.
“In the vast majority of cases, where repossession regrettably does take place, we have been working with the customer for well over six months. We will now formalise our policy and agree not to repossess a property for a period of at least six months from the point of arrears.”