Sprive Review: A Home Hack to Effortlessly Save Thousands on Your Mortgage with Everyday Shopping
For most UK homeowners, the idea of mortgage overpayments feels like a distant dream. After covering essential living costs, finding significant extra cash to throw at that enormous debt is a constant challenge. But what if you could chip away at your mortgage faster, save thousands in interest, and achieve financial freedom without any additional strain on your budget? That's exactly what Sprive has allowed my family and me to do. If you do decide to do this Home Hack, dont forget my code to get £5 (in reality approx £800 quid plus over the term of your mortgage), using your referral code: N6VD6FMC
6/8/20254 min read
A Mortgage repayment Home Hack
My Everyday Sprive Experience: Shopping Your Way to Mortgage Freedom
Copy this referral code to get some cash when you join: N6VD6FMC
Sprive has seamlessly integrated into my daily life, transforming how I approach my household finances. The core of its brilliance lies in its retailer money-back rewards. Sprive partners with a wide array of popular UK retailers – from major supermarkets like Tesco, Asda, and Morrisons, to online giants like Amazon, and high-street favourites such as M&S and IKEA. When I shop at these participating brands through the Sprive app, I earn a percentage of my spend back as a reward.
Here's where the magic truly happens: this isn't just regular cashback. These rewards are directly paid into your mortgage. A small percentage back, perhaps a few pence or a couple of pounds from your weekly grocery run, might seem trivial. However, when that seemingly small amount is compounded over the duration of your mortgage, its true value is amplified exponentially. It's truly astonishing how even a small, consistent payment can accelerate your mortgage repayment journey.
No Extra Income, No Trade-Offs: An Effortless Side Hustle
The beauty of Sprive is that it allows me to make mortgage overpayments without needing any additional income directly from my budget. I'm just doing my normal shopping, and the app funnels a portion of those existing expenses directly to my mortgage lender. For someone like me who can't realistically make large, conscious overpayments each month, this is a game-changer. It genuinely feels like an effortless side hustle – earning money towards my biggest debt simply by buying the things I already need.
What's more, the benefit starts almost instantly. As interest rates can change over time, the sooner you get that reward into your mortgage, the more impact it has. With Sprive, sending even a £1 reward to your lender is a single click, and that payment immediately begins to save you interest on your outstanding balance. Sprive also offers a fantastic forecasting feature that shows you the real value and long-term savings of each payment over the entire term of your mortgage – seeing those numbers truly brings the benefits to life!
The Auto-Saving Feature & Comprehensive Tools
While Sprive also offers an auto-saving option, allowing you to set up regular payments from your bank account, I personally haven't used this feature. For me, if I were going to set up an automatic payment, I'd simply arrange a direct standing order from my bank to my mortgage lender. The core appeal of Sprive, for my wife and me, lies in its unique ability to leverage our everyday spending.
It's also worth noting that Sprive offers other valuable features, such as mortgage rate comparisons and even utility price comparisons, alongside its reward system. While these are excellent additions, and it's great to have them all in one place, I would personally use these in conjunction with other dedicated comparison sites. This ensures I'm always getting the absolute best deal available across the wider market. However, as an app that seamlessly integrates into my Home Hacks shopping lifestyle, Sprive truly shines for the consistent reward percentage I get from my shopping purchases, which directly and effortlessly contribute to reducing my overall payments on my mortgage.
And the best part? There is literally no trade-off. When I do my weekly shop at Tesco via the Sprive app, I still earn my Tesco Clubcard points as normal. This truly reinforces the idea that Sprive adds pure value without requiring me to sacrifice any existing benefits.
Get Started with Sprive Today and Unlock Your Savings!
Ready to start chipping away at your mortgage effortlessly? Copy my code and you'll get a £5 credit directly to your Sprive account. While £5 might seem small, remember the power of compounding on your mortgage – that initial credit can realistically translate into hundreds of pounds saved off your mortgage over its lifetime!
Copy this referral code: N6VD6FMC
See what you think, and once you're on board, you can use your own referral code to invite your friends and family, earning even more rewards for yourself!
Overall, Sprive is nothing short of amazing. Both my wife and I actively use it to help us chip away at our mortgage. Over the next 32 years of our mortgage term, we confidently expect Sprive to save us thousands and thousands of pounds in interest, all without any additional conscious effort or stress on our budget. It's a smart, simple, and incredibly effective tool for any homeowner looking to achieve mortgage freedom faster.
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