Find the answers to your mortgage questions

Whether you’re a first time buyer, looking to remortgage or moving house, you are likely to have some questions.

We’ve compiled answers to the most frequently asked questions our mortgage customers ask us to help guide you through your mortgage application.

Our top 10 mortgage FAQs

Here are the top 10 questions our customers ask us about our mortgages.

You can apply for a mortgage with Sainsbury’s Bank online or by calling our team on 0345 111 8010*. We’re open Monday to Friday 8am to 8pm, Saturdays 9am - 4pm and Sundays 10am - 1pm.

A member of our team will go through all of your mortgage details and discuss the options that may be available to you before arranging an appointment with one of our qualified mortgage advisers.

If you would like to apply online, please visit our apply page.

Take a look at our tariff of charges for further details on the fees that may be applicable. For further information or if you have any questions, our team are happy to help. Speak to us on 0345 111 8010*.

When applying for your mortgage you’ll need to show us documents to prove your identity, address and income. Download a copy of our handy mortgage document checklist so that you know exactly what you’ll need.

With any of our mortgages, you can apply to borrow more money once you’ve made a minimum of six monthly payments.

The minimum amount you can borrow is £5,000 and you may also need to pay other fees. Borrowing more money will increase the amount you owe, the interest you’ll pay and your monthly mortgage payments.

Here’s how it works:

  • Arrange an appointment with one of our qualified mortgage advisers by calling 0345 111 8020*. Take a look at our list of what you'll need (PDF, 172KB) so you have everything to hand.
  • Our mortgage advisors will go through everything with you and check you can afford the bigger monthly payments for the extra money you want to borrow.
  • They'll also check the extra money won't take your total mortgage over our maximum loan-to-value ratio.
  • They'll be able to recommend the right product for your circumstances.

Find out more about borrowing more money on your mortgage on our manage your mortgage page.

Our decision on how much we can lend you is based upon a full affordability assessment where we’ll look to understand your income, any loan or credit card commitments and regular household expenditure.

We will also perform a credit check to make sure your credit rating is suitable for mortgage purposes. To give you an idea of how much you may be able to borrow, have a look at the tables below on any restrictions that may be in place depending on your circumstances.

First time buyer and home mover

Amount of lending What we may be able to lend
£40,000 - £300,000 Up to 95% Loan to Value 
£300,001 - £500,000 Up to 90% Loan to Value
£500,001 - £750,000 Up to 80% Loan to Value
£750,001 - £1,000,000 Up to 75% Loan to Value

For new build houses, the maximum Loan to Value is 85%.
For new build flats, the maximum Loan to Value is 75%.


Amount of lending What we may be able to lend
£40,000 - £500,000 Up to 90% Loan to Value 
£500,001 - £750,000 Up to 80% Loan to Value
£750,001 - £1,000,000 Up to 75% Loan to Value

For new build houses, the maximum Loan to Value is 85%.
For new build flats, the maximum Loan to Value is 75%.

To get an accurate idea of how much you can borrow, we recommend getting a decision in principle before you apply for a mortgage in full. Arrange an appointment with one of our qualified mortgage advisers by calling us on 0345 111 8010**or get a decision in principle online.

Yes, you can. Product fees can be added to the total mortgage amount or they can be paid upfront.

If you add your product fees to the mortgage it will increase the total amount you’re borrowing and you’ll pay interest on this additional amount at the same rate as the rest of your borrowing.

Before committing to a mortgage, it’s always best to seek advice. When we give you advice we take everything into account, from what you can afford to how much you earn and spend. This means we can give you mortgage advice that will suit your circumstances and that you can afford.

Our qualified mortgage advisers can help you understand the different types of Sainsbury’s Bank mortgages available, explain how they work and talk through which options might be best for you. They can also suggest the most suitable mortgage term for you.

Taking out a mortgage without advice can be considered risky. Without proper advice you may choose a mortgage that is not best suited to your needs. 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 apply by telephone.

Yes. You have 7 days from the date you receive your Offer to reflect on its terms and let us know if you don't want to proceed.

Sainsbury's Bank will be bound to the terms of the Offer for the duration of the 7 day reflection period. You should remember that if you choose not to proceed, not all of the fees you may have already paid will be refundable.

Your Offer will be valid for 180 days from the date it's issued and in some situations, you can ask us to consider extending that for even longer.

Once you have signed the Mortgage Deed and the loan funds have been drawn down you will have accepted the offer and you cannot withdraw from it. You can, however, repay the loan at any time in accordance with your terms and conditions.

If you would like an explanation of any of the terms of the Offer, please contact your mortgage Conveyancer in the first instance.

There are several reasons why your mortgage application may not have been successful. For example, it could be because:

  • You may not have a credit score that matches our lending criteria. We use the credit reference agency TransUnion for our checks. You can ask them to check your credit history for you. Please note there may be a charge for this.
  • Your income and expenditure doesn’t meet our affordability criteria. If we deem you cannot afford the repayments on your mortgage we will not agree to lend you the money to ensure we are lending responsibly.
  • You or the property don't meet all of our criteria for getting a mortgage.

At Sainsbury’s Bank, we aim to provide the best possible service to our customers, but occasionally we get things wrong or don't meet your expectations. When this happens, we'll try to resolve the issue quickly and to your satisfaction.

It's important that you let us know if you're unhappy with any aspect of our business so that we can try to put it right, learn from it and improve our service.

You can write to us at:

Customer complaints
PO Box 12
Gateway House
Gargrave Road
BD23 2HL

You can also call our complaints team direct on 0800 923 1548. We're open 9am to 5pm Monday to Friday and calls to this number are free from landlines and mobiles.

However you choose to contact us we'll do our best to put things right as quickly as possible for you.

We will handle your case sensitively, fairly and in line with requirements set by the Financial Conduct Authority.

We will also try to make sure that we learn from our customer feedback and fix the root cause of problems so that we don't make similar mistakes again.

More information on how to complain

FAQs by mortgage type

First time buyer FAQs

Thinking of buying your first home? Take a look at our first time buyer FAQs to get answers to the most common questions

Explore FAQs
Home mover FAQs

If you’re upsizing, downsizing, relocating or looking for your forever home, our home mover FAQs are a great place to start.

Explore FAQs
Remortgage FAQs

Whether you are looking to move your mortgage or find a better deal, our remortgage FAQs can help you find the answers to your questions.

Explore FAQs

Is there anything else we can help with?

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

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 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.