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.

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