expanded Before you get started

Can you apply for a mortgage with us?

We lend responsibly. So before you get going with your application, please make sure all the statements we've given below apply to you.

About you

You can only apply for a mortgage with us if:

  • you're over 18
  • your mortgage will be paid off before your 76th birthday
  • you've lived permanently in the UK for at least 3 years and/or you have indefinite leave to stay here
  • your household has a regular income of at least £20,000
  • you won't be including any foreign income as part of your application
  • you don't expect your income to go down or your spending to go up so much that you can't pay your mortgage
  • you must not have had any County Court Judgements (CCJs) or Defaults with a total value greater than £500 in the last 6 years
  • you've got a good credit history.

About your mortgage

You can apply for:

  • a capital and interest mortgage
  • either a fixed interest rate or variable interest rate mortgage
  • a mortgage with a term of between 5 and 40 years.

Mortgages we don't offer

At the moment, we don't offer these mortgages:

  • Buy to Let
  • Right to Buy
  • Shared Ownership
  • Help to Buy
  • Interest only or part and part

About the property

You can only apply for a mortgage for a property that:

  • is in the UK - not the Channel Islands or the Isle of Man
  • you or your immediate family will live in and not use for business.

There are also some types of property we won't offer a mortgage for. We always do a valuation report before we decide, but please read our guide to make sure the property you're after is suitable.

What else you need to know

Please read these statements carefully before you apply:

  • We only offer mortgages from Sainsbury's Bank.
  • We won't charge you for our mortgage advice. But you may have to pay other fees along the way - like an application, product or valuation fee. Your mortgage illustration will give you the details of any fees you'll have to pay.

If you're not sure about any of these statements, please call us on 0345 111 8010 **.

What you'll need to apply

To make sure we lend responsibly, we need to ask you for information about you and your finances and we’ll also need to see various documents to confirm this information. That's so we get all of your details right first time - from your Decision in Principle to your full application.

We need to know:

  • 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 (like 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 to buy (only if you've got one in mind).

What to dig out before you apply

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

  • three months of payslips - they must be your most recent ones and the most recent must be dated within the last 35 days
  • your latest P60 from your employer
  • your last three months of bank statements for your current account
  • statements or other proof of any benefits you get (no more than three months old)
  • proof of your name and address - like your passport, bank statements or utility bills
  • proof that any deposit which was a gift doesn't need to be paid back. This could be a letter from the person who gave it to you confirming this.

For a full list of the documents we may ask for, please read our Guide to Confirming Income and Identity (PDF, 172KB).

Are you self-employed?

As well as the relevant things from the list above, you'll need to show us your business bank statements for the last 3 months and one of these:

  • Your accountant's certificates signed by a suitably qualified accountant
  • SA302s and tax year overviews for the last 3 years
  • The financial statements for your business for the last 3 years – the most recent year's statement should be signed by a suitably qualified accountant (within the last 18 months).

Need hard evidence?

Sometimes we’ll need to see the original document and for some an online printout or certified copy will do. You can find full details of what we can accept in our guide to Confirming Income and Identity (PDF, 172KB).

Ready to apply

Get some advice

For many people, applying for a mortgage is the biggest financial commitment they'll ever make. And it can be quite complex. There are a lot of things to get to grips with, like terms and conditions, what's expected of you and what everything means. Not to mention which mortgage to choose.

So it's really important you understand what you're signing up to – and that the mortgage you want is the right one for you.

We're here to help you. Our qualified mortgage advisers will take you through the whole process and be there to support you every step of the way. They will get to know you and your circumstances. They'll check what you can afford and recommend the mortgage that will suit you best.

We don't charge for our advice.

Call 0345 111 8010 ** to talk to one of the team


1. Call us for advice

We'll get to know your circumstances and what you need, so we can recommend the right mortgage for you. And we won't charge for our mortgage advice.

If you have a hearing or speech impairment, you can also contact us via the Text Relay service (Next Generation Text). Please dial 18001 followed by the number that you’re calling.

2. Get a decision in principle (DIP)

Although it's not a guarantee of lending, it will give you an idea of how much you may be able to borrow from us.

We'll ask you about your income and spending – see what you'll need to apply so you have it all to hand.

We'll also do a soft credit check for your DIP. That means we can get the information we need without affecting your credit score.

On average, getting a DIP can take about 20 minutes on the phone. But it depends on your circumstances and how much information we need to go through with you.

3. Apply for a mortgage

If you want to go ahead with getting mortgage advice, we'll book you in for a call with one of our qualified mortgage advisers.

Please have all your paperwork to hand when they call – check what you'll need to apply and what to watch out for so you're ready to go.

Please give yourself about two hours for the call. There's a lot to run through, so it could take a while.

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.