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April 16, 2026 — Comments are off for this post.

When Should You Remortgage UK? Timing, Tips and What to Watch For (2026)

Last updated: 16 April 2026

Knowing when to remortgage UK is one of the most valuable financial moves you can make as a homeowner. Get it right and you could save thousands over the life of your deal. Get it wrong and you risk haemorrhaging money to your lender's standard variable rate while you scramble to sort a new deal. A surprising number of homeowners either leave it too late or jump too early and pay penalties they did not need to. Several of us on the CoolCuration team have remortgaged in the last couple of years, so this guide draws on real experience alongside verified market data.

Important: This article is for informational purposes only and does not constitute financial or mortgage advice. CoolCuration is not authorised by the Financial Conduct Authority and does not provide regulated mortgage advice. Always consult a qualified mortgage adviser before making decisions about your mortgage. Your home may be repossessed if you do not keep up repayments. Some links in this post are referral links, which means we may earn a small commission at no extra cost to you.

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Published by Stiv in Money, Money saving, Mortgage, Personal finance
Tags: fixed rate, homeowner tips, mortgage, mortgage broker, overpayments, personal finance, remortgage, Sprive, SVR, uk finance
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April 15, 2026 — Comments are off for this post.

How Does Sprive Make Money? The Business Model Explained (2026)

Last updated: 14 April 2026

If Sprive is completely free to use, how does Sprive make money? It's a fair question, and one you should always ask before trusting an app with your bank account and mortgage details. The short answer: Sprive earns from remortgage commissions and a share of gift card cashback revenue. The longer answer is worth reading, because understanding the business model helps you judge whether the app's incentives actually line up with yours.

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Published by Stiv in Finance, Mortgage, Services, UK Made
Tags: fintech UK, how apps make money, How does Sprive make money, mortgage overpayment app, Open Banking, personal finance uk, Sprive, Sprive app, Sprive business model, Sprive cashback, Sprive remortgage, Sprive review
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April 1, 2026 — Comments are off for this post.

Best Mortgage Overpayment Apps UK: Tested and Compared (2026)

Last updated: 29 March 2026

Looking for the best mortgage overpayment apps in the UK? Whether you want an app that automates everything, a savings tool that builds your overpayment pot, or a budgeting app that finds spare cash you didn't know you had, there are more options in 2026 than ever. We've tested and compared the main contenders so you can pick the right one for how you actually manage money.

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Published by Stiv in Finance, Mortgage, Saving, Services
Tags: best mortgage apps UK, cashback apps UK, Chip, chip app, Emma, mortgage apps UK, mortgage overpayment, mortgage overpayment apps UK, mortgage overpayments, Open Banking, pay off mortgage faster, personal finance uk, Plum, Plum app, savings apps, Sprive, Sprive app
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March 17, 2026 — Comments are off for this post.

Overpay Mortgage or Invest? UK Guide to the Right Call (2026)

Last updated: 10 May 2026

By Stiv · Design, technology and personal finance

We faced this decision ourselves. Since October 2021 we've chosen to overpay our mortgage consistently, totalling £3,294.55 through Sprive alone, including cashback from weekly shops. This guide covers how we thought through the trade-off and what we'd suggest considering.

Should you overpay your mortgage or invest the spare cash instead? It's one of the biggest personal finance questions UK homeowners face right now, and the answer isn't as obvious as either side would have you believe. With the Bank of England base rate at 3.75%, average fixed mortgage rates above 5%, and top savings accounts paying around 4.75%, the maths is closer than it has been in years. This guide walks through the key factors, the trade-offs, and a practical framework to help you decide what makes sense for your situation. Our free mortgage overpayment calculator now also has a compare-to-savings toggle, so you can run both sides of one of those scenarios in seconds.

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Published by Stiv in Finance, Investing, Mortgage, Saving
Tags: FTSE 100, investing vs mortgage, mortgage interest, mortgage overpayment, overpay mortgage or invest, pay off mortgage faster, personal finance uk, savings rates UK, Sprive, stocks and shares isa
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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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