Last updated: 10 June 2026
By Stiv ยท Design, technology and personal finance
I have been overpaying my Nationwide mortgage since October 2021, using Sprive's auto-save alongside manual payments, so this comparison is based on living with both approaches over four years.
If you are trying to pay your mortgage off faster, you have 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 is not here to sell you on either option. It is here to help you pick the approach you will actually stick with, because consistency is what moves the numbers.
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.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Trying Sprive anyway?
If the app route wins you over, the live sign-up offer and the claim steps are listed on our referral page.
Read more