Sprive - Mortgage Free, Faster

Sprive - Mortgage Free, Faster

Save thousands in interest

5 ratings
581 reviews
Free

Details

  • Released
  • Updated
  • September 9, 2021
  • September 2, 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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+2

What's New in Sprive

27.0.14

September 2, 2026

• Faster access to your top brands - Discover the most popular brands at a glance with our new Shop screen. Browse by category or tap 'View all' to show everything in a category. • Increased mortgage savings - Our new 'Hot right now' section highlights active promotions, so you can easily spot opportunities to earn more towards your mortgage. • Restore deleted shopping cards - Deleted a card by mistake? Received a refund? Your deleted cards now go to your Archive, where you can restore them whenever you need to. • 10% boosted rewards with Expedia - Planning your next trip? Sprive customers earn a boosted 10% reward with Expedia for a limited time. • A faster, smoother experience - We’ve squashed bugs and made performance improvements to make shopping away your mortgage feel quicker and more seamless.

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User reviews

User friendly

Sprive is really user friendly, I’m enjoying it so far which is half the battle with me. Fully recommend.

Very Tempremental

The nature of the app is amazing. What you can do long term is life changing but the app crashes more than it works. I’ve lost out on a couple of hundred pounds of savings. Incredibly disappointing and frustrating.

Everyone should be using this

Genuinely an unbelievable idea, the best piece of fintech I have come across so far. My mortgage is expected to reduce by 3 years with how much I am using this

Great concept, predatory practices

It’s a great concept, but unfortunately they spam you constantly with notifications and “incentives” to bombard your friends and family with invites. It’s almost like a Ponzi scheme in how much it tries to get you referring.

The vouchers are also available significantly cheaper elsewhere, you’d just have to transfer the savings into your mortgage yourself. Sprive skim a lot off the top and spam you, so it’s really north worth the time.
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Laura

Brilliant app helping me earn whilst I do food shops and just basic shopping in most places!

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.