Apply for a mortgage with Sainsbury’s Bank

Ready to apply for a mortgage? Before you get started with your application, and to ensure we lend responsibly, please check that you meet our eligibility criteria. This helps us make the application process as easy as possible.

Eligibility criteria


You can only apply for a mortgage with Sainsbury’s Bank if:

  • You’re over 18 years old
  • Your mortgage will be paid off before your 76th birthday
  • Your household has an annual income of at least £20,000
  • You've lived permanently in the UK for at least 3 years and/or you have indefinite leave to stay here
  • You’re not including any foreign income as part of your application
  • You have a good credit history and not had any County Court Judgements (CCJs) or Defaults with a total value greater than £500 in the last 6 years

Can I apply online?


You are able to apply for a mortgage online with Sainsbury’s Bank if you already know the type of mortgage you want and are happy to choose your own deal and apply for your mortgage without advice.

If you apply online, Sainsbury’s Bank is not required to assess the suitability of the mortgage you apply for and you will not receive the same protection offered by the Financial Conduct Authority’s rules as customers who get advice when applying by telephone. This is known as an execution only sale.

Please note, you will be unable to apply for a Sainsbury’s Bank mortgage online if any of the following points apply to you. But don’t worry, you can still apply for a Sainsbury’s Bank mortgage by giving us a call on 0345 111 8010** where one of our qualified mortgage advisers will be happy to help:

  • You have received advice on Sainsbury’s Bank mortgage products within the last 30 days
  • You are using any part of this mortgage for debt consolidation other than paying off your existing mortgage
  • The mortgage will extend beyond any of the applicants' expected retirement ages
  • You intend on borrowing more than 90% of either the property value or the purchase price (whichever amount is lower)
  • You purchase a property with any of the deposit coming from a family member
  • The names on the mortgage will not match the names on the title deeds

What do I need to apply for a mortgage?


During the application process, we’ll ask you questions about your finances to make sure you can afford the mortgage and that we are lending responsibly. Getting everything we need ready can help speed things up.

We need to know:

  • If you are purchasing a property, you’ll need to confirm details of your deposit
  • Your address for the last three years
  • Details about your job
  • Your yearly income including any bonuses and overtime
  • What you spend every month on financial commitments (such as any loan and credit card payments)
  • What your household spends every month (on things like food, energy, water and travel)
  • Details of the property you want the mortgage on

When you apply, we'll ask to see things like:

  • Your payslips to evidence any income you receive
  • A recent P60 if you are looking to include any bonuses, commission or overtime
  • Bank statements for your current account so that we can assess your affordability
  • Details of any deposit you wish to use

Once you’ve applied, we’ll let you know exactly what we need. It’s important to be as accurate as possible when running through your application so it’s helpful to have this information to hand. Check out our Income and ID guide for more information on what we might ask for. If you are submitting a joint application, please make sure you have the authority from the other applicant to provide their information.

As well as the relevant things listed above, we’ll also need to understand a bit more about your self-employed income. This will depend on what kind of business you have and your borrowing situation, but we’ll always ask for at least 2 years of:

  • If you’re a sole trader, the net profit of your business
  • If you’re in a partnership, your share of the net profit of the partnership
  • If you’re a company director, your gross salary and share of dividends

To evidence your self-employed income, we’ll usually ask to see things like:

  • Certified accounts signed off by a suitably qualified accountant
  • Self-Assessment Tax Calculation Forms (SA302) accompanied by Tax Year Overviews
  • Accountant’s certificates signed off by a suitable qualified accountant

Once you’ve applied, we’ll let you know exactly what we need. It’s important to be as accurate as possible when running through your application so it’s helpful to have this information to hand. Check out our Income and ID guide for more information on what we might ask for. If you are submitting a joint application, please make sure you have the authority from the other applicant to provide their information.

If you have a visual impairment, we can provide documents in large print, audio or braille. Please contact us on 0800 111 8020** and one of our advisors will be happy to help.


Need any more information before you apply?

Try our mortgage calculators

Find out how much you could borrow, how long you could have the mortgage loan and what deposit you would need

Use our mortgage calculators
Our rates and fees

Learn how our rates and fees work and what they mean to you when you have a mortgage with Sainsbury's Bank

Find out more
Nectar mortgage reward

Earn 5 bonus Nectar points per £1 of qualifying spend at Sainsbury’s until the end of your mortgage deal^

Find out more

Start your mortgage application

Ready to apply for your mortgage? Take the next steps and start your application online or by phone.

Applying by phone

Applying for your mortgage with Sainsbury’s Bank over the phone is right for you if:

You feel you need further help and support with your mortgage application and getting advice would benefit you. One of our qualified mortgage advisers can guide you through the whole process to ensure you understand what’s expected of you and what everything means.

When you apply over the phone you will receive free advice about your mortgage application. We will help you compare our mortgages and rates to recommend a deal that best suits your needs and circumstances.

Call us on 0345 111 8010**

Mon-Fri 8am-8pm
Sat 9am-4pm and Sun 10am-1pm

Home

The mortgage is secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Lending subject to status.

For further questions

  • Call 0345 111 8010**
  • Helpful phone numbers

  • Our lines are open: Mon-Fri 8am-8pm, Sat 9am-4pm and Sun 10am-1pm
    **Telephone calls will be recorded for security purposes under our quality control procedures. Calls are charged at local rates from landlines and mobiles.

^Nectar Terms and Conditions
1. This offer is only available to new and existing Sainsbury's Bank mortgage customers taking out a fixed rate residential mortgage. 2. You'll earn 5 bonus Nectar points per £1 of qualifying spend at Sainsbury's during your fixed rate offer period, up to a maximum of 20,000 points per month. 3. At the end of each calendar month, we'll total your qualifying spend, round it down to your nearest £1, calculate your bonus points and pay them into your Nectar account by the end of the following month. 4. A limited range of Sainsbury's goods and services do not qualify for points - see nectar.com/brands/Sainsburys for more details. Purchases from Argos, Habitat, Sainsbury's Bank (including travel money purchases), Sainsbury's Energy and any other Sainsbury's services are also excluded from this offer. 5. You need to tell us your Nectar card number when you apply, and use this card with each Sainsbury's purchase. If you tell us your card number after the start of your fixed rate offer period, you'll earn bonus points from the date you tell us. 6. We'll stop paying bonus points if you fail to meet the terms and conditions of your mortgage, or repay your mortgage, or move ("port") your mortgage to another property. 7. Each nectar account can only earn points from one mortgage. 8. Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available. 9. Sainsbury's Bank reserves the right to alter, cancel or withdrew this offer without notice. 10. These terms and conditions shall be governed by and construed in accordance with English law.