UK mortgages Archives - COOLCURATION

March 12, 2026 — Comments are off for this post.

Sprive Cashback Explained: Gift Cards, Rates and Real-World Tips (2026)

Last updated: 9 June 2026

By Stiv · Design, technology and personal finance

I have used Shop with Sprive for my weekly shops since October 2021, alongside £100 monthly overpayments on my Nationwide mortgage, so everything below comes from over four years of buying gift cards at real checkouts.

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 this is not financial advice.

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

Get the Sprive bonus first

Before we get into the mechanics, the current welcome offer and how to claim it are detailed on our referral page.

Claim the Sprive bonus

"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.

Sprive vs Manual Overpaying: Which Method Pays Your Mortgage Off Faster?

Last updated: 10 June 2026

By Stiv · 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.

See the Sprive sign-up offer

Is Sprive Any Good? Honest UK Verdict for Homeowners

Last updated: 9 June 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. Read more

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