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May 22, 2026 — No Comments

We’re Paying Off Our Mortgage with Our Food Shop Cashback. Here’s How.

Last updated: 21 May 2026

Can grocery cashback from your weekly food shop pay off your mortgage? Not entirely, no. But we've been routing our regular shop through Sprive's cashback feature for over a year, and the numbers are starting to look genuinely interesting. A percentage of every Tesco and Sainsbury's shop now goes directly off our mortgage balance. We didn't change what we buy. We didn't change where we shop. We just changed how we pay, and our mortgage is shrinking faster because of it.

By Stiv · Design, technology and personal finance

I've been using Sprive with my Nationwide mortgage since October 2021, making £100 monthly overpayments through the app. The cashback feature has been running alongside this for over a year. This post is based on real use and real numbers.

This article is for informational purposes only and does not constitute financial or mortgage advice. Cashback rates, retailer availability, and mortgage terms can change. Your home may be repossessed if you do not keep up repayments. CoolCuration is not authorised by the Financial Conduct Authority. We have a referral partnership with Sprive. Our experience and opinions are independent.

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Published by Stiv in Cashback, Finance, Saving
Tags: cashback on groceries, food shop cashback, grocery cashback pay off mortgage, JamDoughnut, mortgage overpayment, pay off mortgage faster, personal finance uk, Sprive app, Sprive cashback, supermarket cashback UK, TopCashback
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March 12, 2026 — Comments are off for this post.

Sprive Cashback Explained: Gift Cards, Rates and Real-World Tips (2026)

Last updated: 29 March 2026

"Cashback towards your mortgage" sounds brilliant, until you hit the fine print: gift cards, checkout friction, and that one purchase that never tracked. This Sprive cashback explained guide covers how Shop with Sprive actually works in practice, which retailers are worth the effort, and a simple test for whether it's a genuine time-saver or just another app you'll forget about.

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Published by Stiv in Cashback, Saving, Services, UK Made
Tags: cashback, cashback apps UK, cashback towards mortgage, gift card cashback, gift cards, mortgage overpayments, Open Banking, personal finance, personal finance uk, Shop with Sprive, Sprive, Sprive app, Sprive cashback, UK mortgages
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October 29, 2025 — Comments are off for this post.

Amazon UK Cashback Hack: Turn Spending Into Mortgage Savings

Last updated: 24 March 2026

If you want to squeeze more value out of every Amazon UK order, this Amazon UK cashback hack is worth knowing about. The idea is simple: instead of buying directly from Amazon, you buy Amazon gift cards through the Sprive app, earn cashback on each card, and then funnel that cashback straight into your mortgage. Over time, those small percentages quietly chip away at your balance and interest. Combine it with a spending tracker like Emma to see exactly where your money goes, and you have a tidy little system that turns routine shopping into purposeful saving.

This is not financial advice. Always check your mortgage terms before making overpayments.

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Published by Stiv in Cashback, Finance, Money saving, Mortgage, Saving
Tags: amazon cashback hack, amazon gift card cashback, amazon savings uk, amazon uk cashback, amazon uk discount, cashback apps UK, cashback mortgage hack, cool curation, emma app, money saving tips uk, mortgage overpayment, Sprive app, uk homeowners finance

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