Five years of Sprive on my own mortgage: £10,237.41 overpaid, a remortgage from Nationwide to Halifax, and what the cashback actually added.
October 4, 2026Comments are off for this post.
What Is a Sprive Boost? Seven Days, and What It Actually Pays
A Sprive boost lifts your cashback rate for seven days, and it arrives on its own. What mine paid, and why Supercharge is a display toggle rather than extra cashback.
September 17, 2026Comments are off for this post.
Bank of England Base Rate: Where It Stands and What It Means
The Bank of England base rate is 3.75% after a 6 to 3 vote on 17 September 2026. What the hold means for mortgages, savings and energy bills.
September 16, 2026Comments are off for this post.
Which Lenders Does Sprive Support?
Sprive's FAQ names sixteen lenders. The download banner on the same page says fourteen. Here is the full list, the two numbers, and what to do if yours is missing.
August 18, 2026Comments are off for this post.
Which Supermarkets Does Sprive Support?
Seven supermarkets. Seven rates. One catch: the cashback never reaches your bank account, it goes straight at your mortgage. Here's exactly what Sprive pays at Tesco, ASDA, M&S and the rest, taken from my own app rather than a press release.
July 20, 2026Comments are off for this post.
That Mortgage App on the Channel 4 Advert? It’s Sprive
Last updated: 13 October 2026
By Stiv · Design, technology and personal finance
I have used Sprive since October 2021, making regular overpayments through the app, first on a Nationwide mortgage and now on a Halifax one.
This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.
This is not financial advice. It is one homeowner's experience, shared to help you make your own call.
So you spotted the Sprive advert on the telly and wondered what that mortgage app actually is. Here is the short answer: yes, the mortgage app on the Channel 4 advert is Sprive, and it helps you chip away at your mortgage a little faster. Below, I explain what it does, whether it is legit, and what it is like to use.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Want to try the app from the advert?
The current Sprive sign-up offer and how to claim it are kept up to date on our referral page.
Just seen the advert? The app behind it is explained below. For every Sprive guide in one place, see our Sprive guides hub.
Read more
June 30, 2026Comments are off for this post.
Sprive Gift Cards: The Reloadable Card Explained
Sprive gift cards are now reloadable. Here is how the one-card, Apple Wallet and auto top-up setup works, from my own use since 2021.
June 22, 2026Comments are off for this post.
How Does Sprive AutoSave Work?
Sprive AutoSave2026 Guide
How Sprive AutoSave decides what to move each month
Last updated: 13 October 2026
By Stiv · Design, technology and personal finance
I have overpaid my mortgage through Sprive since October 2021, with Nationwide and now Halifax, making regular overpayments through the app. Because of that, this guide to Sprive AutoSave comes from steady real use rather than a quick demo.
This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.
This is general information, not financial advice. Sprive deals with your mortgage, so your circumstances matter and it is worth doing your own research.
Your home may be repossessed if you do not keep up repayments on your mortgage.
So what actually happens when you switch on Sprive AutoSave? In short, you set an amount, and each month it quietly moves that money into a holding pot inside the app, ready for your mortgage. Above all, you stay in control, because nothing reaches your lender until you tap to send it. Below, I walk through exactly how Sprive AutoSave works, where the money sits, and how to pause or switch it off, with notes from my own use since 2021.
Setting up AutoSave? The walkthrough is below. For every Sprive guide in one place, see our Sprive guides hub, updated as the app changes.
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June 18, 2026Comments are off for this post.
Tembo Money Review UK
My honest Tembo Money review after years of real use: HomeSaver rates, Lifetime ISAs, the mortgage service and the referral, tested for UK savers.
April 16, 2026Comments are off for this post.
When Should You Remortgage UK? Timing, Tips and What to Watch For (2026)
Last updated: 13 October 2026
By Stiv · Design, technology and personal finance
I remortgaged from Nationwide to Halifax in June 2026 and have overpaid my own mortgage through Sprive every month since October 2021. This guide draws on that real experience alongside verified market data.
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.
This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.
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 on your mortgage.
Sprive welcome offer
Once the new deal is sorted and you turn to overpaying, the latest sign-up bonus is kept up to date on our referral page.
Check the current Sprive bonus
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