Last updated: 16 August 2026
By Stiv · Design, technology and personal finance
I've had a Nationwide mortgage since 2021 and have been making regular overpayments using Sprive and manual standing orders throughout that time. These are approaches I use myself.
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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. Consider consulting a qualified mortgage adviser before making changes to your repayment plan.
Start with a sign-up bonus
If the automated overpayment route appeals, the current Sprive welcome offer and the claim steps sit on our referral page.
If you want to save thousands on your mortgage, the quickest wins come from cutting the cost of the loan itself. That is what this guide covers: getting off an expensive rate, timing your remortgage properly, trimming the term when you can afford to, and plugging the everyday leaks that quietly fund it all. If your goal is clearing the mortgage sooner rather than paying less for it, our guide to paying off your mortgage faster is the speed version of this page, and our overpayment savings page puts real numbers on either plan.
Serious about a cheaper mortgage? The tips are below. For everything we have written on Sprive, the app we use to overpay, see our Sprive guides hub.
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