Last updated: 20 July 2026
By Stiv · Design, technology and personal finance
I have used Sprive with my Nationwide mortgage since October 2021, making regular overpayments through the app, so this is written from about four years of real use.
This article contains affiliate or referral links. If you click through and sign up I may earn a commission or referral bonus at no extra cost to you. It does not affect my editorial view.
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 after four years of real 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.
What is the app in the Sprive advert?
Right, let us clear it up. The app in the Sprive advert is Sprive, a free mortgage overpayment app. Its whole pitch sits in the strapline: "Shop away your mortgage. Brick by brick." In plain terms, you earn cashback when you shop at brands you already use, and then you send that cashback towards your mortgage. As a result, you nibble away at the balance without really feeling it.
This Sprive TV advert is the brand's first ever telly campaign, and it is running on Channel 4. Founder Jinesh Vohra said the campaign is a chance to "reach millions of households across the UK." You might also recognise Sprive from Dragons' Den, where it won backing from Deborah Meaden, Peter Jones and Touker Suleyman in February 2026.
What Sprive actually does
Beyond the advert, here is what you get day to day. Firstly, there is the shopping cashback. You shop through the app at over 1,000 brands, from big supermarkets to high-street names, and a slice comes back as cashback towards your mortgage. For more on that, I have written up how the grocery cashback works separately.
Secondly, there is AutoSave. In my experience it is refreshingly simple: you set a fixed amount, and Sprive moves it by Direct Debit each month towards your overpayments. If you want the full walk-through, see how Sprive AutoSave works.
Thirdly, and importantly, Sprive sits on top of your existing mortgage. It currently supports 14 of the UK's largest lenders, so you do not switch lender or remortgage just to use it. You simply keep your deal, and Sprive helps you overpay.
Is the Sprive advert app legit?
Naturally, a mortgage app shown on national telly should be properly regulated, and Sprive is. Sprive Limited (FRN 919863) is an appointed representative of Connect IFA Ltd (FRN 441505) and New Leaf Distribution Limited (FRN 460421) for mortgage services. You can check the record on the FCA Register.
One thing worth knowing: money you hold in the Sprive wallet is safeguarded by PrePay Technologies Ltd as e-money. In other words, it is safeguarded rather than FSCS protected, which is normal for a wallet like this. For transparency, CoolCuration is not FCA authorised, so please treat everything here as personal experience rather than advice.
What it is like to use
Personally, I have run Sprive alongside my Nationwide mortgage since October 2021. Each month I make regular overpayments through the app, and honestly, the best bit is how boring it is. You set it up once, and then it quietly does its thing in the background. Meanwhile, the app shows your projected mortgage-free date creeping earlier, which is oddly motivating.
To be fair, it is not magic. The cashback amounts are modest per shop, so this is a slow-and-steady tool rather than a windfall. Even so, over four years those small amounts have added up, and I have barely had to think about it.
Should you bother with the Sprive advert app?
So, who does it actually suit? In my view, it works best if you have a repayment mortgage, a little spare room in your budget, and you want to overpay without the faff of manual transfers. If that sounds like you, then it is worth a look.
However, there is one caveat to flag. Most lenders cap penalty-free overpayments at around 10% of your outstanding balance a year, and going over can trigger an early repayment charge. Therefore, always check your own lender's limit first. The government-backed MoneyHelper guide to overpaying explains this clearly. You can also run the numbers with our mortgage overpayment calculator to see what a small monthly overpayment could save.
Sprive advert FAQs
What is the mortgage app on the Channel 4 advert?
It is Sprive, a free mortgage overpayment app. The Channel 4 advert uses the line "Shop away your mortgage. Brick by brick," which neatly sums up its cashback-to-mortgage idea.
Is Sprive free to use?
Yes, Sprive is free to download and there is no subscription. You simply link your mortgage, then use the shopping and overpayment features as much or as little as you like.
Is Sprive safe and FCA regulated?
Sprive Limited (FRN 919863) is an appointed representative of Connect IFA Ltd and New Leaf Distribution Limited for mortgage services. Money in the Sprive wallet is safeguarded by PrePay Technologies Ltd as e-money, so it is safeguarded rather than FSCS protected.
Does Sprive work with my lender?
Currently, Sprive supports 14 of the UK's largest lenders, so many mainstream mortgages are covered. Naturally, it is worth checking in the app to confirm your specific lender before you rely on it.
How does Sprive make money?
Because the app is free, Sprive earns through retailer commission on your shopping and through its mortgage services, rather than by charging you a fee. That keeps your side free to use.
More from CoolCuration
- Sprive reloadable gift cards: how to top up a store card and earn as you shop.
- Premium Bonds vs investing: where else your spare cash could go.
- Become mortgage-free faster: more ways to clear the balance sooner.
- How to pay off your mortgage early: the tactics that actually move the needle.
- Chip app: another money app worth a look for automatic saving.
The boring but important bit: rates and terms can change, and this article is not financial advice. Before you overpay, do consider speaking to a qualified mortgage adviser about your own situation. This article contains affiliate or referral links. If you click through and sign up I may earn a commission or referral bonus at no extra cost to you. It does not affect my editorial view. Your home may be repossessed if you do not keep up repayments on your mortgage.
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