Sprive - Mortgage Free, Faster

Sprive Limited

About this app

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
- Pay your lender in one tap straight from the app.
- Track your progress in the app to see how much you’re projected to save in interest and years taken off your mortgage

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

Ratings and reviews

The set-up process was a but confusing and didnt link immediately to the mortgage but once it did, all has been an easy process. Buy the gift card and then use gift card at chosen outlet! Originally we expected to only use for majn grocery shopping, ie, Tesco, Aldi, Waitrose, etc but have used for various other high street names, Costa, JD, Next, etc and all that spending has led to mortgage overpayments which are shown on thr statement, so we know it all works. Definitely worth a go!

Great concept, but terrible execution. The 'Anywhere card' is abysmal—expect a 25-minute fight, every time, with authorization screens and verifications, causing massive checkout delays. Crucially, gift card purchases award rewards automatically, but online tracked purchases rely on cookies and almost NEVER track, even with all cookies enabled. I am still waiting for a January purchase to verify. Support are of course useless, dodging accountability by blaming their third-party reward partners.

It is a great idea, but the amount of money you save is not a lot unless you spend a lot. Also if you need a refund the money goes back on the gift card so then the money is stuck with that company which is fine if you shop with them regularly but a bit annoying if you don't. The grocery target challenge minimum only goes down to £50 weekly, I live alone so don't quite spend £50 a week on groceries, so I feel this app is aimed at people who spend a lot more than the average person.

What’s new

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.