cashback towards mortgage Archives

October 4, 2026 — No Comments

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.

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

Last updated: 13 October 2026

By Stiv · Design, technology and personal finance

I have used Shop with Sprive for my weekly shops since October 2021, alongside monthly auto-save overpayments on my mortgage, so everything below comes from buying gift cards at real checkouts.

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. CoolCuration is not authorised by the Financial Conduct Authority, and this is not financial advice.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Get the Sprive bonus first

Before we get into the mechanics, the current welcome offer and how to claim it are detailed on our referral page.

Claim the Sprive bonus

"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.

Getting more from Sprive cashback? The mechanics are below. For every other Sprive guide in one place, see our Sprive guides hub, updated as the app changes.

How to Reduce Mortgage Payments UK: Practical Ways That Work (2026)

Last updated: 13 October 2026. I checked every rate and lender option in this guide on how to reduce mortgage payments against the Bank of England, Moneyfacts and Citizens Advice on 13 October 2026.

By Stiv · Design, technology and personal finance

I've overpaid my own mortgage through Sprive every month since October 2021, and in June 2026 I remortgaged from Nationwide to Halifax. These are the moves I've actually used or weighed up for myself.

Disclosure: 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.

Not financial advice. CoolCuration is not authorised by the Financial Conduct Authority. This article is for information only. Your home may be repossessed if you do not keep up repayments on your mortgage. Consider speaking to a qualified mortgage adviser before you change your repayment plan.

Want the Sprive sign-up bonus?

If automated overpayments appeal, the current Sprive welcome offer and the steps to claim it are kept up to date on our referral page.

Get the Sprive referral bonus

If you want to reduce mortgage payments, there are two different jobs to do. The first is cutting what the loan costs you: getting off an expensive rate, timing your remortgage and plugging the leaks that drain your budget. The second, meanwhile, is lowering the monthly figure itself when money is tight. Be aware, though, that some ways to shrink the monthly payment cost you more over time.

Looking to clear it sooner instead? Our guide to paying off your mortgage faster is the speed plan, and everything we have written on Sprive, the app I use to overpay, sits in our Sprive guides hub.