# Sprive - Mortgage Free, Faster — Save thousands in interest

> Mortgage management app for faster payoff and interest savings. (iPhone/iPad app by Sprive Limited.)

- Source: https://appshunter.io/ios/app/sprive-mortgage-free-faster/id1504836142 (this page in markdown: same URL + `.md`)
- Developer: [Sprive Limited](https://appshunter.io/developer/1504836141)
- Category: Finance
- Price: Free
- Rating: 5.00/5 from 5 App Store ratings · 563 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.4 · 130 MB
- Languages: American English
- Released: 2021-09-09
- Data updated: 2026-08-27
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/sprive-mortgage-free-faster/id1504836142/reviews.md

## What is Sprive?

Sprive is the mortgage management app for homeowners looking to pay off their mortgage faster.

Sprive is completely free and only takes a few minutes to set up.

Why Sprive?
Sprive is helping homeowners reduce their mortgage terms and save in interest. See how much quicker you could be mortgage-free with Sprive.
Making small, regular mortgage overpayments can significantly shorten your mortgage and save thousands in interest. 
With the Sprive app, you can automatically set aside your spare cash and even earn cash rewards from your everyday shopping to put towards paying off your mortgage.  
If you’re looking for a smarter way to pay off your mortgage, Sprive is the app for you.


Key Features:
• Cash rewards on everyday shopping: Earn up to 15% cashback at top UK brands like Amazon, M&S, Waitrose, ASDA, Morrisons, Tesco, Deliveroo, IKEA, and many more which you can put towards paying off your mortgage. You’ll get credited your reward within 15 minutes
• Auto-saving: Automatically set aside spare cash to turn into mortgage overpayments
• Make mortgage overpayments straight to your lender in one tap
• Mortgage calculator: Calculate savings and track your journey to mortgage freedom.
• Remortgage insights: Track how much of your home you own and improve your chances of securing better mortgage deals in the future.


How it works:
- Download the Sprive app
- Create an account by sharing some personal information like name and address
- Connect your bank account and we’ll automatically source your mortgage
- Set your minimum and maximum monthly saving limits and we’ll only take automatic savings within your preferences
- Start earning money towards your mortgage from your everyday shopping by buying your first shopping card. Why not start with your weekly food shop by choosing one of the supermarkets available in the app? Use your shopping card to pay for your shop. Your cashback will be credited to your Sprive account within 15 minutes
- Track your progress in the app to see how much you’re projected to save in interest and years taken off your mortgage- Pay your lender in one tap straight from the app.


Featured By:
ITV News, Forbes, Sky News, The Daily Mail, iNews, Metro, The Telegraph, and many more.

_________________________

Supported Lenders:
First Direct, Nationwide, Barclays, Halifax, HSBC, Lloyds, Natwest, RBS, Santander, TSB Bank, Virgin Money, Yorkshire Building Society, Accord Mortgages and Coventry Building Society


Supported Brands:
ASDA, Sainsburys, Amazon, Morrisons, Waitrose, M&S, Iceland, Costa Coffee, Café Nero, Deliveroo, Just Eat, Uber Eats, Tesco, Primark, Boohoo, Asos, Decathlon, Foot Locker, Adidas, New Look, River Island, Superdry, John Lewis, B&M, Matalan, Argos, Boots, Uber, Lastminute.com, Halfords, Ernest Jones, H.Samuel, WHSmith, Red Letter Days, Paul Smith, Harvester, Miller & Carter, The Restaurant Card, Pizza Express, Naked Wines, Greggs, Pizza Hut, Habitat, Screwfix, Wayfair, FatFace, Clarks, JD, Selfridges, London Theatre Direct, Cineworld, Jet2holidays, Travel Card, Spabreaks.com, Tripgift, Love2shop, B&Q, Dunelm, Liberty, The Entertainer, Notonthehighstreet, buyagift.


Safe and Secure
Sprive is FCA registered (FRN: 919863). We prioritize your privacy, using AES encryption and 256-bit TLS for data security. Your data is never shared without consent.


Transparent and Free to Use
Sprive has no hidden fees. Our upcoming feature will scan for cheaper mortgage deals, and we only earn a commission if we successfully help you remortgage.


Reliable Customer Support
We’re here for you 5 days a week.

Save thousands in mortgage interest and become mortgage-free faster. Download Sprive today.

Example Savings
Savings illustrated are based on an average £92 paid monthly as an overpayment on a repayment mortgage with a balance of £250,000 at 5% interest for 30 years.

## Key features

- Cash rewards on everyday shopping
- Automatic savings for mortgage overpayments
- One-tap mortgage overpayments
- Mortgage savings calculator
- Remortgage insights
- Track home equity

## What do users think of Sprive?

Overall sentiment: positive

**Pros**

- 🚀 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

**Cons**

- 🐛 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

**Commonly reported bugs**

- App crashes and freezes frequently
- Voucher balances not updating correctly
- Mortgage details not syncing properly
- Surveys often fail to complete
- Unexpected charges and deductions from accounts

**Most requested features**

- Add more retailers like Aldi, Lidl, and Smyths
- Improve app stability and reduce glitches
- Streamline the voucher purchase process
- Introduce automatic transaction tracking
- Allow mortgage overpayments without vouchers
- Provide more flexible payment options

## Recent user reviews (10 of 563)

All indexed reviews: https://appshunter.io/ios/app/sprive-mortgage-free-faster/id1504836142/reviews.md

### 4/5 — Brilliant

*2026-08-22*

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

### 5/5 — Such a good tool!

*2026-08-20, version 27.0.1*

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

### 4/5 — A great idea!

*2026-08-20, version 27.0.1*

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

### 5/5 — Can’t believe this is actually real

*2026-08-18, version 27.0.1*

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

### 4/5 — Really works

*2026-08-17, version 27.0.1*

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.

### 5/5 — Easy to use

*2026-08-17, version 27.0.1*

We have been using this app for last 6 months or so, it is pretty simply once you get use to the habit of using it. We have not yet used it to repay as will do this at the end of the year, it is nice to put bit of cash away almost forget about it until we use it.

### 5/5 — Brilliant

*2026-08-16, version 27.0.1*

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.

### 5/5 — So far so good!

*2026-08-16, version 27.0.1*

Loving Sprive it really is making a difference and I’m only spending what I usually would anyway! Just wish Amazon would come back!

### 5/5 — A must have

*2026-08-16, version 27.0.1*

Not sure why anyone with a mortgage wouldn’t use this. Use my referral code, I promise you won’t be disappointed!! 6MVTK9LK Sprive referral code!!

### 3/5 — Great but app too slow

*2026-08-14, version 27.0.1*

I want to give this app 5 stars as the idea is great - love it, but execution needs work as more times than I can mention I’ve gone to open the app to access my vouchers & it’s just taken too long to either open or there’s been an update and I’m faced with having to login again which I’m not going to do at a busy checkout.

If the app was more efficient/smoother it’d be 5 star.

## Frequently asked questions about Sprive

### 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.

## Version history (last 5 releases)

### 27.0.10 — 2026-08-24

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.

### 27.0.1 — 2026-08-11

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.

### 26.0.11 — 2026-07-15

Reloadable & Offline wallet

### 26.0.10 — 2026-07-14

Reloadable & Offline wallet

### 26.0.6 — 2026-07-06

Relodables and Offline wallet support.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*