Sprive - Mortgage Free, Faster

Sprive - Mortgage Free, Faster

Save thousands in interest

5 ratings
539 reviews
Free

Details

  • Released
  • Updated
  • September 9, 2021
  • July 15, 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
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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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What's New in Sprive

26.0.11

July 15, 2026

Reloadable & Offline wallet

User reviews

No brainer

Great idea, it’s free money why wouldn’t you! Use as you go the best one is the weekly shop it’s going to knock loads of interest off our mortgage.

Great App!

Fantastic app helping me overpay my mortgage. I’ve shared with a lot of people and they are loving it too. Keep adding more businesses to the app please!

A great idea 4.5 starts

This is such a great concept and over all works extremely well. I have used other “cash back” apps and none work as quickly on store like this so it makes using the reloadable cards etc so easy but I have had a few issues. Some of the gift card balances don’t seem to update once you’ve used them or even when you refresh them in the app, they can be frustrating if you’re trying to figure out what you’ve got left and what you need to add. The other issue I’ve had is cards like HelloFresh are quite painful to redeem via the app, I ended up figuring it out with the help of google. Overall I think it’s a great idea and who doest want free money to knock off some mortgage! I imagine larger families must save a fortune if used properly, we are a house of 2 and I’m 2 days I’ve added over £5 to savings pot just with general spending 🙌🏼
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Best app for finance

Getting on the property ladder is hard enough, but to be mortgage free early through everyday spending is the real cherry on top!

So far so good

Keep saving money without missing it

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.