EXHIBIT 99.2



SECTION 302 CERTIFICATION

I, Julia Chapman, certify that:

1.   I have reviewed this annual report on Form 20-F, and all reports on Form
     6-K containing distribution or servicing reports filed in respect of
     periods included in the year covered by this annual report, of Granite
     Mortgages 04-1 plc;

2.   Based on my knowledge, the information in these reports, taken as a
     whole, does not contain any untrue statement of a material fact or omit
     to state a material fact necessary to make the statements made, in light
     of the circumstances under which such statements were made, not
     misleading as of the last day of the period covered by this annual
     report;

3.   Based on my knowledge, the distribution or servicing information required
     to be provided to the mortgages trustee by the administrator under the
     pooling and servicing, or similar, agreement, for inclusion in these
     reports is included in these reports;

4.   Based on my knowledge and upon the annual certificate of compliance
     included in the report and required to be delivered to the mortgages
     trustee in accordance with the terms of the pooling and servicing, or
     similar, agreement, and except as disclosed in the reports, the
     administrator has fulfilled its obligations under the administration
     agreement; and

5.   The reports disclose all significant deficiencies relating to the
     administrator's compliance with the minimum servicing standards based
     upon the report provided by an independent auditor, after conducting a
     review in compliance with the Uniform Single Attestation Program for
     Mortgage Bankers or similar procedure, as set forth in the pooling and
     servicing, or similar, agreement, that is included in these reports.

In giving the certifications above, I have reasonably relied on information
provided to me by the following unaffiliated parties:

Northern Rock plc and PricewaterhouseCoopers


Date: June 8, 2005

/s/ Julia Chapman
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Title: Director
Granite Finance Trustees Limited