Tools to help you with your mortgage

If you are considering getting a mortgage, our calculators are a good place to start. They can help you gain a better understanding of how much you can borrow, an indication of how much your monthly payments will be, as well as how they might change after your fixed rate period.

Our mortgage calculators do not guarantee an offer of a mortgage or the exact figures you will receive, but they are a great first step into finding out what a mortgage with us may look like for you and can help you figure out what your mortgage payments might be.

Affordability calculator

Tell us a few details about your income and expenditure for an idea of the mortgage you might be able to afford

How much can I borrow?
Rate change calculator

See how a change in your mortgage interest rate would affect your monthly repayments

What if my rate changes?
Overpayment calculator

Get an idea of how overpaying could save you money and help you pay your mortgage off quicker

Overpayment calculator

Is there anything else we can help with?

Our handy mortgage guides

From what information we will need for your mortgage application to a useful budget planner

Find out more
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

Any questions?

When choosing your mortgage you’re bound to have some questions. Take a look at our FAQs to get the answers to some of the most common questions our customers ask us.

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.