April 15, 2026Comments are off for this post.
Last updated: 14 April 2026
If Sprive is completely free to use, how does Sprive make money? It's a fair question, and one you should always ask 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.
Read more
April 1, 2026Comments are off for this post.
Last updated: 29 March 2026
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. We've tested and compared the main contenders so you can pick the right one for how you actually manage money.
Read more
March 12, 2026Comments are off for this post.
Last updated: 29 March 2026
"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.
Read more
March 5, 2026Comments are off for this post.
Last updated: 29 March 2026
If you're trying to pay your mortgage off faster, you've got two realistic routes: use an app like Sprive to automate overpayments, or just do it yourself with a standing order. This guide compares Sprive vs manual overpaying honestly. It's not here to sell you on either option. It's here to help you pick the approach you'll actually stick with, because consistency is what moves the numbers.
Read more
February 8, 2026Comments are off for this post.
Last updated: 19 April 2026
By Stiv · Design, technology and personal finance
This is an opinion piece. Views expressed are the author's own and do not constitute professional advice.
I've been using Sprive with my Nationwide mortgage since October 2021, making £100 monthly overpayments through the app's auto-save feature. In that time I've overpaid a total of £3,294.55, including cashback from Shop with Sprive on our weekly shops. This review is based on over four years of real, daily use.
If you're looking for a realistic way to make progress on your mortgage without committing to rigid overpayments, the Sprive mortgage app is one of the better-known tools in the UK. This Sprive mortgage app review focuses on what actually matters: how it works in day-to-day use, who it's good for, and where it falls short. It's not a sales pitch, and it's not a deep dive into regulation or bonuses. If you're mainly concerned about security and FCA regulation, we cover that separately: Is Sprive safe?
Cool Factor
★★★★☆
4 out of 5
April 4, 2024Comments are off for this post.
Last updated: 22 March 2026
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. The short answer: for most people with a mortgage who want to overpay but struggle to stay consistent, yes, Sprive is genuinely good. It is not magic, it is not going to halve your mortgage overnight, and it is not for everyone. But after using it for several months, I think it earns its place on your phone. Here is why.
Read moreFollow us: Instagram
Copyright 2026 CoolCuration | Privacy Policy | Cookie Policy | Affiliate Disclosure | Cool Factor
-----------
We are proud supporters of a safer more private internet via encouraging people to use Brave browser and are actively taking on Spammers as part of ProjectHoneypot. This site is hosted on servers that run on 100% renewable energy in the UK thanks to GreenWebHosting.
This site contains affiliate links, including to Amazon.com and Amazon.co.uk. We may earn a commission if you make a purchase or sign up for a service via these links, at no extra cost to you. All offers and promotions are accurate at the time of publication but are subject to change or withdrawal by the businesses featured. We cannot guarantee their continued availability. Read our full affiliate disclosure.
Reviews and opinions on CoolCuration reflect the personal experience of our writers at the time of publication. They are not professional endorsements and your experience may differ. Scores use our Cool Factor rating system and are given independently of any commercial relationship.
All content on CoolCuration is provided for informational and entertainment purposes only. It does not constitute financial advice, investment recommendations or an endorsement of any product or service. We are not authorised by the Financial Conduct Authority and do not offer personalised financial guidance. You should always do your own research or consult a qualified financial advisor before making any financial decisions.
