Sprive - Mortgage Free, Faster

Sprive - Mortgage Free, Faster

Save thousands in interest

5 ratings
563 reviews
Free

Details

  • Released
  • Updated
  • September 9, 2021
  • August 24, 2026

Features

Sprive - Mortgage Free, Faster screenshot #1 for iPhone
Sprive - Mortgage Free, Faster screenshot #2 for iPhone
Sprive - Mortgage Free, Faster screenshot #3 for iPhone
Sprive - Mortgage Free, Faster screenshot #4 for iPhone
Sprive - Mortgage Free, Faster screenshot #5 for iPhone
Sprive - Mortgage Free, Faster screenshot #6 for iPhone
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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

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+1

What's New in Sprive

27.0.10

August 24, 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

Brilliant

It’s not very often that I write a review or recommend to others but I’m doing both. This really helps to focus on your mortgage and how much you can save. Really looking forward to bringing my mortgage down.

Only issue I have had is Apple Pay keeps declining so I have to use bank transfer which is fiddly and time consuming. Hopefully will be able to fix soon.

Update - didn’t work as it doesn’t let you pay by credit card. That’s annoying as I get cash back on all purchase with my credit card. Please change this to aloe consumers to make their own educated choice on payment method. Removing a star due to this but would be back at 5 stars if that changes in future
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Such a good tool!

So easy to use and accepted in a lot of shops I already use! Great incentive to try save and reduce your mortgage.

A great idea!

A really great idea! Can’t wait to start seeing the benefit. Just hope they add some more retailers.

Can’t believe this is actually real

So lemme get this straight. You’re helping pay my mortgage by spending what I’d normally spend- in shops I’d usually shop. Unreal. Count me in until my mortgage is paid

Really works

I was sceptical about this but it really works. The only issue is that you need WiFi and if you’re buying the exact amount, it can take a minute to sort it and can be a bit stressful in a queue. I’d buy in advance.

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.