What is Sprive?
How I Use Sprive to Pay Off My Mortgage
Sprive is a free app that helps you pay off your mortgage faster by turning your everyday shopping into mortgage overpayments. You buy digital gift cards for brands you already shop at — Tesco, ASDA, Amazon, ASOS, Boots and 70+ others — earn instant cashback, and pay it straight to your lender with one tap.
There are no fees, no subscriptions, and nothing to lose. Sprive makes its money from retailers, not from you.
Why it works
- The “Freedom Date” visual: The app shows exactly how many years you’re shaving off your mortgage. Watching that date move with every payment is genuinely motivating.
- Shopping you were already doing: Buy gift cards for your usual supermarket or brands through the app, earn instant cashback, and pay it to your mortgage. No behaviour change needed.
- Auto-savings too: Sprive’s AI can set aside small amounts based on your spending each month, which you can pay to your lender in one tap whenever you’re ready.
- Total control: Nothing leaves your account without your approval. Every overpayment needs your confirmation first.
- Completely free: No hidden fees or subscriptions. Sprive earns from retailers and lenders, not from you.
Ready to start paying off your mortgage faster? Download Sprive and enter referral code GHBK919D when you sign up. You’ll also need to set up a direct debit in the app to complete registration.