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Sprive - Mortgage Free, Faster

Sprive - Mortgage Free, Faster

Save thousands in interest

5 ratings
661 reviews
💰 Finance
Free

Details

Released
September 9, 2021
Updated
October 7, 2026

Features

Developer

Sprive Limited
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About

This app helps homeowners pay off their mortgages faster by automatically saving spare cash and earning cashback rewards from everyday shopping. It allows one-tap overpayments to lenders and provides tools to track savings and remortgage potential.

✓Cash rewards on everyday shopping
✓Automatic savings for mortgage overpayments
✓One-tap mortgage overpayments
✓Mortgage savings calculator
✓Remortgage insights
✓Track home equity
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What users say about Sprive

Reviews of Sprive are mostly positive: the Finance app is rated 5.0/5 from 5 App Store ratings. What users like most: easy to use, free money towards mortgage. Top complaints: glitchy and buggy app, clunky process to buy vouchers. Summarized from real user reviews.

Positive things

  • 🚀Easy to use
  • 💰Free money towards mortgage
  • 🔒Secure app
  • 📈Helps pay off mortgage faster
  • 🤑Cashback on everyday spending
  • 🎉Great idea
  • 📊Useful insights into spending and mortgage

Negative things

  • 🐛Glitchy and buggy app
  • 🕰️Clunky process to buy vouchers
  • 🤔Limited retailer options
  • 🔍Difficult to navigate app
  • 🔑Frequent log-outs and sign-in issues
  • 💳Doesn't support credit cards
  • 🤷‍♀️Inconsistent cashback rates
See all reviews

What's New in Sprive

29.0.1

October 7, 2026

We’ve been working behind the scenes to make Sprive faster, smoother, and more reliable. This update includes performance improvements and refinements that make shopping away your mortgage feel better every day.

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User reviews

Most RecentHighest RatedLowest Rated

Mortgage Figured

Great way to make your normal spending chip away at your mortgage
Fizz wolfFizz wolf

Food for thought!

Great app just needs more top up cards with more brands as these are way better than the standard one’s also the ability to view balances on the app instead of redirecting you to brand websites. and maybe boosts as loyalty rewards!
F1wormF1worm

The highest ROI

Considering it takes just a moment to set up a sprive card before a purchase this has got to be the highest ROI on a money saving activity ever. Simple and satisfying, can’t understand why someone with a mortgage wouldn’t use this!
DottalottDottalott

Voucher didnt work but money taken and thereis no support given

I bought a voucher for deliveroo, the balance was available, followed the instructions on how to reclaim. However it didnt work and the bill was eventually paid by Apple pay. Upon checking my voucher back the balance now shows £0 with no one to attend to the query on where the money disappeared
N494N494

Makes saving fun!

It’s gamified saving, and you could send money towards your mortgage without the need to play, really!! But it does help getting into the habit of thinking shopping choices more carefully. Only downside is that lots of brands only offer rewards for shopping in store…
Gracey_83Gracey_83
See 656 more reviews

User experience

🐞

Reported Bugs

5 issues

App crashes and freezes frequently

Bug

Voucher balances not updating correctly

Bug

Mortgage details not syncing properly

Bug

Surveys often fail to complete

Bug

Unexpected charges and deductions from accounts

Bug
✨

Requested Features

6 requests

Add more retailers like Aldi, Lidl, and Smyths

Feature

Improve app stability and reduce glitches

Feature

Streamline the voucher purchase process

Feature

Introduce automatic transaction tracking

Feature

Allow mortgage overpayments without vouchers

Feature

Provide more flexible payment options

Feature

FAQ

What does the Sprive app do?

Sprive is a mortgage management app designed to help homeowners pay off their mortgages faster and save on interest. It facilitates this by allowing users to automatically set aside spare cash and earn cashback rewards from their everyday shopping, which can then be used for mortgage overpayments.

How can I earn cashback with Sprive?

You can earn cashback on everyday shopping by using specific shopping cards linked to the app at participating UK brands. These rewards, which can be up to 15% at top retailers, are credited to your Sprive account within 15 minutes and can be put towards your mortgage.

Is Sprive free to use?

Yes, Sprive is completely free to use. The app does not charge any fees for its services. It is designed to help you save money on your mortgage, not to cost you more.

What information do I need to set up Sprive?

To set up Sprive, you will need to create an account by providing some personal information such as your name and address. You will also need to connect your bank account so the app can automatically source your mortgage details and manage your savings and payments.

Which mortgage lenders and brands are supported?

Sprive supports a wide range of UK mortgage lenders including Barclays, HSBC, Lloyds, Nationwide, and Santander. It also partners with numerous popular brands for cashback rewards, such as Amazon, M&S, ASDA, Deliveroo, and IKEA.