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Sprive

Pay off your mortgage faster with smart savings

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About Sprive

Sprive is an innovative financial app that helps UK homeowners pay off their mortgage years earlier by making smart, automated overpayments. Unlike traditional cashback sites, Sprive focuses specifically on helping you reduce your mortgage debt and save thousands in interest payments. The app connects to your mortgage and bank account, analyzes your spending, and automatically transfers small, affordable amounts towards your mortgage overpayments. What makes Sprive unique is that it also offers cashback and rewards that go directly towards paying off your mortgage faster. You can earn cashback when shopping at partner retailers, and all earnings are automatically applied as mortgage overpayments. It's perfect for homeowners who want to become mortgage-free sooner without drastically changing their lifestyle.

🎯 How Sprive Works

Getting started with Sprive takes just minutes. Download the Sprive app and sign up using our referral code IY4YXT7J to unlock bonus features. Connect your mortgage account (Sprive supports most major UK lenders) and your bank account securely through Open Banking. The app will analyze your spending patterns and suggest affordable overpayment amounts based on your income and expenses. You can choose to make regular automated overpayments, round up purchases to the nearest pound (with the difference going to your mortgage), or make one-off contributions whenever you can. Additionally, shop at partner retailers through the Sprive app to earn cashback that automatically goes towards your mortgage. The app shows you exactly how much time and interest you're saving, making it incredibly motivating. Unlike traditional overpayments, Sprive makes the process effortless and shows you the real impact of every contribution.

Ready to Start Earning?

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⭐ Key Features & Benefits

Automated mortgage overpayments based on your budget
Round-up feature - spare change goes towards your mortgage
Earn cashback at partner retailers, applied directly to mortgage
Connects to most major UK mortgage lenders
See real-time impact on mortgage term and interest saved
Set custom overpayment goals and track progress
Secure Open Banking connection
Referral bonuses for you and your friends

🛍️ Where You Can Earn Cashback

Mortgage Management
Financial Planning
Cashback Shopping
Automated Savings
Debt Reduction
Interest Savings
Smart Budgeting
Homeowner Services

Pros

  • Helps you pay off your mortgage years earlier
  • Saves thousands of pounds in mortgage interest
  • Fully automated - requires minimal effort once set up
  • Clear visualization of time and money saved
  • Small, affordable contributions make a big difference over time
  • Cashback goes directly to mortgage overpayments
  • Supports most major UK mortgage lenders
  • Referral program offers bonuses

Cons

  • Requires a UK mortgage to benefit from core features
  • Some mortgage providers may have overpayment limits
  • Smaller cashback retailer selection compared to dedicated cashback sites
  • App subscription may apply for premium features

Start Earning Cashback Today

Don't miss out on cashback opportunities with Sprive

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💡 Tips to Maximize Your Earnings

  • Use referral code IY4YXT7J when signing up to unlock welcome bonuses
  • Enable the round-up feature - small amounts add up quickly over time
  • Shop through Sprive's partner retailers for cashback that goes to your mortgage
  • Check your mortgage terms for any overpayment limits (usually 10% per year)
  • Set realistic overpayment goals that fit your budget comfortably
  • Use Sprive's calculator to see the impact of different overpayment amounts
  • Make one-off contributions when you receive bonuses or unexpected money
  • Refer friends with your code - you both earn bonuses towards mortgage overpayments
  • Review your progress monthly to stay motivated
  • Consider increasing overpayments when you get a pay rise or reduce other expenses

❓ Frequently Asked Questions

Use referral code IY4YXT7J when signing up to Sprive to unlock welcome bonuses and special features. This code gives both you and the person who referred you bonus contributions towards your mortgages.

Yes, Sprive uses Open Banking technology which is regulated by the FCA. Your banking credentials are never shared with Sprive - the connection is read-only and secured. Sprive is also FCA registered and follows strict security protocols.

It depends on your mortgage size, interest rate, and overpayment amount. For example, overpaying just £100 per month on a £200,000 mortgage at 3% interest could save you over £20,000 in interest and pay off your mortgage 5+ years earlier. Sprive shows you personalized calculations.

Most UK mortgages allow overpayments of up to 10% of the outstanding balance per year without penalties. Check your mortgage terms or ask Sprive to check for you. Sprive ensures you stay within your limit.

Sprive partners with retailers to offer cashback on purchases. When you shop through the Sprive app at partner retailers, you earn cashback which is automatically added to your mortgage overpayment fund. It's a bonus way to pay off your mortgage faster while shopping normally.

This depends on your mortgage type. Some mortgages offer flexibility to borrow back overpayments, while others don't. The advantage is that overpayments reduce your debt and interest immediately. Check your specific mortgage terms for flexibility options.

🚀 Get Started with Sprive

Join now and start earning cashback on your everyday purchases

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Disclaimer: Savvy Savers may earn a commission when you sign up through our referral links. This helps support the site and allows us to keep sharing free money-saving content. It never affects the cashback or rewards you receive.

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