mortgage overpayment app 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

Just seen the advert? The app behind it is explained below. For every Sprive guide in one place, see our Sprive guides hub.

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 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.

Setting up AutoSave? The walkthrough is below. For every Sprive guide in one place, see our Sprive guides hub, updated as the app changes.

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

April 15, 2026 — Comments are off for this post.

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

Last updated: 19 July 2026

By Stiv · Design, technology and personal finance

I have a Nationwide mortgage and have used Sprive to make overpayments since October 2021, over four years of regular use.

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.

Want the sign-up offer?

Should you fancy trying the app while you read, the current welcome bonus and how to claim it are set out on our referral page.

View the Sprive referral offer

If Sprive is completely free to use, how does Sprive make money? It's a fair question, and one worth asking 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.

Digging into how Sprive works? Good instinct. For every guide we have written on the app, from safety to cashback, see our Sprive guides hub.

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

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

Is Sprive Safe? UK Security, FCA Status and Your Money (2026)

Last updated: 19 July 2026

By Stiv · Design, technology and personal finance

I've had Sprive connected to my Nationwide bank account and mortgage since October 2021. Everything in this guide is informed by over four years of using the app with my own money.

Connecting a new app to your bank account and mortgage feels risky. I had the same reaction the first time I looked at Sprive: "wait, you want access to my bank so you can pay off my mortgage faster?" It sounded clever but also slightly terrifying. So before trusting it with my own accounts, I did a proper deep-dive into whether Sprive is safe, covering everything from FCA regulation and Open Banking security to how your money is actually held. Here's what I found.

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. CoolCuration is not authorised by the Financial Conduct Authority and does not give financial advice.

Already convinced and just want the bonus?

The live Sprive sign-up offer and the claiming steps are on our referral page.

See the current Sprive offer

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

Checking Sprive out properly? Sensible. Once you have read this, our Sprive guides hub collects every guide we have written on the app in one place.

Published by Stiv in Finance, Reviews, Saving, Services

Tags: best mortgage apps UK, How does Sprive make money, How does Sprive work, Is Sprive legit, Is Sprive safe, mortgage overpayment app, Open Banking apps UK, pay off mortgage faster, Sprive app, Sprive app review UK, Sprive cashback, Sprive FCA, sprive referral code, Sprive review, Sprive vs standing order, UK fintech review

April 4, 2024 — Comments are off for this post.

Is Sprive Any Good? Honest UK Verdict for Homeowners

Last updated: 19 July 2026

By Stiv · Design, technology and personal finance

Quick context before the verdict: I pay a Nationwide mortgage myself and have put £100 a month through Sprive since October 2021, so this opinion rests on over four years of actual overpayments rather than a quick trial.

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 and this is not financial advice.

Thinking of trying Sprive?

If you decide to give the app a go, the current sign-up bonus and the steps to claim it are kept up to date on our referral page.

Claim the Sprive sign-up bonus

Is Sprive any good? That is the question most UK homeowners land on after hearing about the mortgage overpayment app for the first time. You have probably seen it on Dragons' Den, spotted it on Trustpilot, or had a friend mention it over a pint. In my experience, for many people with a mortgage who want to overpay but struggle to stay consistent, Sprive does the job well, though whether it suits you depends on your lender support and your habits. It is not magic, it is not going to halve your mortgage overnight, and it is not for everyone. But after using it since October 2021 with my Nationwide mortgage, making regular monthly overpayments, I think it earns its place on your phone. Here is why.

Weighing Sprive up? This is the short verdict. For the full review, the comparisons and every other guide in one place, see our Sprive guides hub.

Published by Stiv in Discount, Finance, Personal finance, Reviews

Tags: budgeting, cashback mortgage app, is Sprive worth it, mortgage app UK, mortgage overpayment app, mortgage overpayments, Open Banking, pay off mortgage faster, personal finance apps, Sprive, Sprive review, uk fintech, UK mortgages