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Money worries

Money worries

Here for you when you need us most

If you're struggling with money

Call us – we can help

If you're going through a hard time financially at the moment, and you're worried about your mortgage payments, we want to help. Call our payment difficulties team for free on 0345 111 8020. Our lines are open: Monday to Friday 8:30am to 5:30pm (closed weekends & Bank Holidays).

One of our specialists can take a look at your income and what you spend, plus any other payments you owe, and see what you can afford to pay. Then they'll go over your options with you and figure out what might work for your situation.

The sooner you get in touch with us, the sooner we can help you get things back on track.

Get more support

There are lots of charities and organisations who may be able to help you if you're struggling with your finances. We've given you a few names below so you can choose the right one for you.


Go to for free:

  • advice and guides to help improve your finances
  • tools and calculators to help you keep track and plan ahead
  • support in person, over the phone and online.

Citizens Advice Bureau

Go to for plenty of information about how to manage your money and start getting your finances back in shape.

StepChange Debt Charity

Go to for free support and advice about practical ways to get on top of your finances.

National Debtline

Go to for free information and advice, including their four- step plan to dealing with debt.

Money Advice Scotland

Go to to be put in touch with a money adviser in your area who can give you free advice and support when it comes to overcoming your money problems.

You might also like to try:

  • for free legal advice and support for homeowners, including how to prevent losing your home
  • to find out whether you can claim any benefits or other grants to help you if you lose your job or become ill
  • for ways to save money and make the most of your income.

FCA warning on unauthorised firms

We would recommend you only use financial firms that are authorised or registered by the FCA as this gives you greater protection. You can find information from the FCA about unauthorised firms at the links below. 

Problem with your next payment?

If you don't think you're going to be able to make your next payment then we'd strongly recommend you call our payment difficulties team on 0345 111 8020 to discuss your options. Calls to this number are free from landlines and mobiles. Our lines are open: Monday to Friday 8:30am to 5:30pm (closed weekends & Bank Holidays).

Sainsbury's Bank accepts no responsibility for the content of external websites. Links to external websites may include tips and information, it does not constitute advice and should not be used as a basis for any financial decisions.

Existing rate ending

Existing rate ending

See if you can switch your existing mortgage to a new product.

Manage your mortgage

Manage your mortgage

From changing your payment details to paying off your mortgage.

Mortgage features

Mortgage features

Find out more about overpayments and underpayments.

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 8020**  |   Helpful phone numbers

Our general enquiry line is open Monday to Friday, 8am–8pm, Saturday, 9am–1pm and closed Sunday.
**Telephone calls will be recorded for security purposes under our quality control procedures. Calls are charged at local rates from landlines and mobiles.