We’ll be in touch about three months before your existing mortgage deal is due to come to an end, letting you know how to switch your mortgage to a new deal.

From there, the choice is yours. You can speak to one of our mortgage advisors over the telephone or go online to renew your deal (depending on your individual situation). Take a look at our switching page to find out more information on what the switching process looks like.

If you do nothing, your mortgage will revert to our Standard Variable Rate (SVR), at the expiry of your initial offer period, potentially leading to higher monthly payments. Once on the SVR, your monthly payments can change at any time, meaning they can go up or down, so it’s best to get in contact with us as early as you can to discuss your options further. To find out more information about the standard variable rate check your mortgage offer our view our Terms and conditions.

How you switch your Sainsbury’s Bank mortgage is up to you. You can do this either online or if you feel you need advice, give one of our qualified Mortgage Advisers a call on 0345 111 8015*. If you apply online Sainsbury’s Bank is not required to assess the suitability of the mortgage you apply for. We will provide you with information to allow you to make an informed choice.

No, we’ll already have most of your details following your original mortgage application so switching to a new deal should be quick and easy.

If you are simply switching your mortgage deal with no other changes, we will not ask you to provide any evidence of your income or run any credit searches against you. Although we will need you to confirm the new mortgage payment is affordable based on your current circumstances.

If you’d like to make any further changes to your mortgage, for example, change your mortgage term or change who is named on the mortgage, then you'll need to call us on 0345 111 8020*. Our mortgage advisers will be able to take you through the process and ensure you get the right mortgage product, based on your needs and circumstances.

All of our mortgage rates are shown online and we’d always suggest you to have a look through the products available before applying to switch your mortgage deal.

If you have any questions on any of our products, please feel free to give us a call on 0345 111 8015* and one of team will be happy to help.

Yes. Our mortgage products allow you to make overpayments either as a lump sum, or as regular overpayments.

Depending when you want to make an overpayment, and how much you want to pay, you might have to pay an early repayment charge.

For example, when you first start your mortgage or when you switch to a new product, there may be an early repayment charge period. So, during that period, you can overpay by up to 10% of your balance, within a 12 month anniversary period without paying a charge. But if you overpay more than 10%, you'll pay a charge on the payment amount that's over the 10%.

When you're outside an early repayment charge period, you can overpay by as much as you like without paying any charge.

Full details of your overpayment facility can be found in your mortgage offer and Terms and Conditions.

If you want to make a lump sum overpayment to your mortgage you can call the team on 0345 111 8020* – they can also set up a regular overpayment for you.

Yes. You can take a payment holiday by underpaying on your mortgage. To qualify for an underpayment your mortgage payments must be up to date and you must have overpaid by at least the amount you want to underpay by. So, to take a payment holiday your combined overpayments must be the same as at least one monthly mortgage payment.

You can underpay up to the amount of two monthly mortgage payments in any 12 month anniversary period.

If you want to discuss underpaying or taking a payment holiday, just call the team on 0345 111 8020*.

Please call us on 0345 111 8020* at least 14 days before your next payment date and we'll change the details for you.

If you're struggling to make your payments, or your circumstances have changed and you may struggle in the future, get in touch with us as soon as you can - we want to help. Call us on 0800 923 1547 and we'll go through the details and talk through all your options. Calls are free from a landline and from a mobile when calling from the UK.

If you keep missing payments it will affect your credit rating. You may also have to pay arrears fees - there's more on this in our Tariff of Fees and Charges (PDF, 122KB).

Find out what to do if you're struggling with your mortgage payments.

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