Rating based on 46 reviews

Sainsbury's Bank

Updated
  • Home loans up to £35,000
  • Low-interest starting from 3.3%
  • Repayment up to 84 months

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Sainsbury's Bank homepage
Author Sainsbury's Bank. Screenshot of Sainsbury's Bank website.
[Accessed September 8, 2021]

About Sainsbury's Bank

Planning on starting the exciting journey of buying your very first or second house? Sainsbury’s Bank has everything you need in one place.

They are one of the UK's biggest banks and are owned by their customers. What’s more is that they put resources into activities in the not-for-profit and community segment, ensuring that they help the communities in which they work, and you live.

A home loan provider that will put you first

Getting a home loan with them is straightforward and easy as they're a bank that is committed to their clients. For decades, they have been striving to empower thousands through their flexible and affordable home loans.

Their passion for people has constantly guided what they do as they trust in reasonableness - not greediness. They offer lower home loan rates, higher speculation rates, lower mortgage fees, and community help as they always put the interest of their clients first.

Access the most competitive home loans online

They provide online personal and business banking facilities, alongside financial solutions to their clients. Which guarantees that they can help you get the very best home loan in the UK.

Working closely with community gatherings, supporting charitable associations, and activities through raising money, gifts, and effectively helping to volunteer inside the community, Sainsbury Bank proves that they are for the people.

They will help you budget for the best home loan

Numerous first homeowners neglect to budget for things they haven't been conditioned to pay for themselves like different utilities, moving costs, renovations, etc.  With Sainsbury’s Bank you can access a low-interest tailored home loan you can easily get approved for and repay without hassle.

Sainsbury's Bank Services

Buying a house is an exciting yet stressful journey, but with Sainsbury’s Bank, you can enjoy a convenient and stress-free process towards your dream home. 

Although Sainsbury’s Bank does not provide a specific home loan product their personal loans of between £25,000 and £35,000 are optimally designed to stand in as a home loan. Sainsbury's Bank offers affordable personal loans at unbeatable rates. You can borrow between £1000 and £35,000 with a loan term ranging from 12 to 84 months.

Their home loan interest rates

For mortgage loans of between £25,000 and £35,000, you could qualify for their Representative Annual Percentage Rate (APR) of just 3.3%. If you have a Nectar card you can enter your card details and not only will they use the information therein for your mortgage loan application but you will have instant access to exclusive deals.

Personal loans as affordable home loans

Get a home loan of between £15,001 and £25,000 at a Representative APR of 3.3%. You can also obtain a home loan of between £25,000 and £35,000 at a Representative APR of 3.3%.

Home loans that enable you to access the best

There is much to consider and to research regarding the matter of purchasing a home. Firstly, you should work out the home loan amount you can qualify for. This is the place where their services will truly help you.

Verify that you have an exact and itemized budget, that considers all costs connected to your home loan for obtaining a property including council rates and different fees.

Sainsbury's Bank – Home loan

  • Loan Type Home loans
  • Interest Rate from 3.3%
  • Loan Amount up to £35,000
  • Repayment 12 months to 84 months

Benefits of Sainsbury's Bank

  • Competitive interest rates
  • Quick online loan application
  • Affordable loan deals

Get an affordable home loan at Sainsbury's Bank

  At Sainsbury’s Bank, their management team strives to give their clients comfortability and flexibility.

They, therefore, give clients the choice of an online loan application, or as an alternative, they can call the bank telephonically and get the needed assistance.

Follow these simple steps to apply

Step 1:

Complete the online form by providing your personal information such as your name, surname, etc.

Step 2:

They will then process your application and run a credit check to determine your personalized APR as well as how much they’re willing to lend to you.

Step 3:

If you apply for a home loan online, you can receive an instant notification about the outcome of your application.

 Have the following two requirements before you apply:

  1. You must be 18 years and older for your application to be considered.
  2. You must be a legal resident of the United Kingdom.

Do not wait another second

Applying for a home loan with Sainsbury’s Bank is a very easy process, and you can expect to receive the outcome of your application within minutes. Get your home loan today.

Benefits of Sainsbury's Bank

  • Access to flexible home loans.
  • Their home loans are affordable.
  • They are also a convenient alternative to traditional home loans.
  • Online Applications are easy and understandable.
  • Save time and money in the long run.
  • Accounts are safe and private.
  • Build a good credit record by repaying home loans at the designated time.
man holding thumbs up

Sainsbury's Bank is a trusted & reliable provider of home loans

In our review, Sainsbury's Bank adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Sainsbury's Bank is a registered credit provider in UK: FSA 184514

Customer Reviews & Testimonials

July 2021

When I saw the repayment terms on my personalized home loan, it was like love at first sight. I saw it and I knew it was what I wanted, what I needed, and it has been 2 years already. I am so hap...

Jones A
— Durham —

May 2021

The low-interest rates on home loans at Sainsbury’s Bank is so unbelievable. Their employees are easy going and very pleasant to talk to.

Taylor S
— Leicester —

October 2021

Applying and getting a home loan at Sainsbury’s Bank has been one of the easiest processes I have ever seen. I got my home loan soon after applying.

Brown C
— Birmingham —

Sainsbury's Bank Contact

Physical Address


Postal Address

  • PO Box 29191, Dunfermline, KY12 2AU, United Kingdom

Opening Hours

  • not available