mortgage overpayment Archives

July 20, 2026 — Comments are off for this post.

That Mortgage App on the Channel 4 Advert? It’s Sprive

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.

Get the Sprive referral bonus

Published by Stiv in Apps, Finance, Mortgage, Personal finance

Tags: how to pay off mortgage faster, mortgage, mortgage app, mortgage overpayment, mortgage overpayment app, personal finance, Sprive, Sprive app

June 30, 2026 — Comments 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 four years of real use.

Published by Stiv in Apps, Cashback, Mortgage, Personal finance

Tags: Apple Wallet, auto top-up, cashback, gift card cashback, money apps, mortgage overpayment, Sprive, Sprive app

June 22, 2026 — Comments are off for this post.

How Does Sprive AutoSave Work?

Sprive AutoSave2026 Guide

Sprive AutoSave, explained in plain English

Last updated: 19 July 2026

By Stiv · Design, technology and personal finance

I have run my Nationwide mortgage through Sprive since October 2021, so more than four years now, 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 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 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 four years of real use.

Published by Stiv in Apps, Mortgage, Personal finance

Tags: mortgage overpayment, mortgage overpayment app, Open Banking, pay off mortgage faster, personal finance, Sprive, Sprive app, Sprive AutoSave

May 22, 2026 — Comments are off for this post.

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

Last updated: 19 July 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 surprisingly compelling. 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 on your mortgage. CoolCuration is not authorised by the Financial Conduct Authority. This article contains affiliate or referral links, including to Sprive. 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.

Sign-up bonus before you shop

The current Sprive welcome offer, plus the claim steps, are kept fresh on our referral page.

Claim your Sprive offer

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

May 5, 2026 — Comments are off for this post.

Mortgage Overpayment Savings: How Much Could You Save? (2026)

Last updated: 9 June 2026

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. This post is based on over four years of real use and real numbers.

Most people know they should overpay their mortgage. Almost nobody knows by how much, or what it actually saves them. So we built a free mortgage overpayment calculator to find out. Then we ran our own numbers through it. The mortgage overpayment savings took us by surprise. We've since added a compare-to-savings toggle so you can see whether overpaying or saving the same money comes out ahead at your specific rates.

This article is for informational purposes only and does not constitute financial or mortgage advice. Mortgage products, rates, and overpayment terms vary by lender. Always check your lender's overpayment policy before making extra payments. 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. CoolCuration is not authorised by the Financial Conduct Authority.

See your own overpayment savings

Our free calculator shows what your overpayments could save, and whether saving the cash instead would beat them.

Open the overpayment calculator

Published by Stiv in Finance, Money, Money saving, Personal finance, Services

Tags: money saving, mortgage overpayment, mortgage overpayment calculator, mortgage savings, mortgage tips, mortgage vs savings, pay off mortgage early, personal finance, Sprive, uk mortgage

April 29, 2026 — Comments are off for this post.

Sprive vs Plum vs Chip: Honest Comparison (2026)

Last updated: 19 July 2026

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. This comparison is based on over four years of real use alongside Chip and Plum.

Sprive vs Plum vs Chip is the question that keeps coming up whenever anyone in the UK talks about saving money automatically. All three apps promise to do the hard bit for you. But they are not the same thing, and picking the wrong one means you are either missing features you need or paying for ones you do not. Here is how they actually compare after months of using all three.

Between the team, we run all three. Sprive handles mortgage overpayments. Chip is our primary auto-saver. Plum runs alongside Chip so we can see how the two compare in real life. Each has earned its place on someone's home screen, but for very different reasons.

This article is for informational purposes only and does not constitute financial advice. Some apps in this comparison offer investing features, which carry risk including the possible loss of capital. Your home may be repossessed if you do not keep up repayments on your mortgage. CoolCuration is not authorised by the Financial Conduct Authority. 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.

Sprive's current sign-up offer

If Sprive ends up being your pick of the three, the latest welcome bonus is always on our referral page.

View the current Sprive bonus

Published by Stiv in Apps, Finance, Money saving, Personal finance, Saving

Tags: app comparison, auto-saving apps, Chip, Chip vs Plum, fintech UK, money apps UK, mortgage overpayment, personal finance uk, Plum, savings apps UK, Sprive, Sprive vs Chip

April 1, 2026 — Comments are off for this post.

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

Last updated: 19 July 2026

By Stiv · Design, technology and personal finance

I have a Nationwide mortgage and have been testing mortgage overpayment tools since 2021, including Sprive alongside manual standing orders and savings apps.

Disclosure: 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.

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.

After the Sprive bonus?

Sprive leads the comparison below, and the sign-up offer it currently runs is covered on our referral page.

Grab the Sprive offer

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. I've tested and compared the main contenders so you can find the right one for how you actually manage money.

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

March 17, 2026 — Comments are off for this post.

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

Last updated: 9 June 2026

By Stiv · Design, technology and personal finance

We faced this decision ourselves. Since October 2021 we've overpaid our Nationwide 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 factors are worth 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% (held 30 April 2026; next decision 18 June 2026, per the Bank of England), average two-year fixed mortgage rates around 5.64% as of early June 2026 (source: Moneyfacts), 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.

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

The Sprive bonus, if overpaying wins

Should the overpayment side win out for you, the current Sprive welcome offer lives on our referral page.

See the latest Sprive offer

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

Capital at risk. The value of investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results.

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

October 29, 2025 — Comments are off for this post.

Amazon UK Cashback Hack: Turn Spending Into Mortgage Savings

Last updated: 8 June 2026

By Stiv · Design, technology and personal finance

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 article is for information only and does not constitute financial advice. CoolCuration is not authorised by the Financial Conduct Authority. Rates and terms can change; always check the provider's current terms before acting. Your home may be repossessed if you do not keep up repayments on your mortgage.

If you want to squeeze more value out of every Amazon UK order, this Amazon UK cashback method 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 system that turns routine shopping into purposeful saving.

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

Want the Sprive sign-up bonus?

The whole method runs on Sprive, so it is the one to set up first. The current welcome offer and the steps to claim it are kept up to date on our referral page.

Get the Sprive referral bonus

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

October 8, 2025 — Comments are off for this post.

What Is Sprive, and How Does the App Work? (UK Guide 2026)

Last updated: 19 July 2026

By Stiv · Design, technology and personal finance

I've been using Sprive with my Nationwide mortgage since October 2021. This guide is based on the actual setup process and over four years of daily use.

If you're trying to figure out what Sprive is and how the Sprive app works, you're probably weighing up whether it's worth the setup effort or whether you'll download it and never open it again. This guide covers the mechanics only: what you do in the app, what happens next, and what to check so you don't accidentally trip over your lender's overpayment rules.

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

Just here for the sign-up bonus?

The current Sprive offer and the steps to claim it are always kept up to date on our referral page.

Get the Sprive sign-up bonus

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

Published by Stiv in Finance, Personal finance, Saving, Services

Tags: cashback apps, cool curation, finance app, how Sprive app works, mortgage helper, mortgage overpayment, mortgage saving, Open Banking apps UK, pay off mortgage faster, personal finance uk, referral app, smart money apps, Sprive app, uk money tools