EXHIBIT 99.1

NORTHERN ROCK PLC
ANNUAL OFFICER'S CERTIFICATE OF COMPLIANCE

The undersigned, a duly authorized representative of Northern Rock plc, acting
as administrator (the "Administrator"), pursuant to the Sixth Amended and
Restated Administration Agreement among the Administrator, Northern Rock plc,
as Seller, Granite Finance Trustees Limited, as Mortgages Trustee, Granite
Finance Funding Limited, as Funding and The Bank of New York, as Security
Trustee, dated January 19, 2005, as amended from time to time (the
"Administration Agreement"), certifies that:

1.   As of the date hereof, Northern Rock plc is the Administrator of Granite
     Mortgages 04-1 plc.

2.   A review of the activities of the Administrator during the calendar year
     ended December 31, 2004 and its performance under the Administration
     Agreement has been made under my supervision.

3.   Based on such review, to my knowledge and after making appropriate
     enquiries, the Administrator has fulfilled its obligations under the
     Administration Agreement relating to Granite Mortgages 04-1 plc
     throughout the financial year ended December 31, 2004, except as may be
     set forth in paragraph 4 below.

4.   The following is a description of any exceptions to paragraph 3. above:

     None.

Capitalized terms used but not defined in this Officer's Certificate have
their respective meanings set forth in the Administration Agreement, unless
the context requires otherwise or unless otherwise defined in the Officer's
Certificate.


IN WITNESS WHEREOF, the undersigned has duly
executed
this Officer's Certificate
this 8th day of June, 2005.


/s/ K M Currie
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Name:   K M Currie
Title:  Treasury Director