Mortgage free,

We'll help you save £000s by helping you pay off your mortgage faster and making sure you're always on the best deal. It's completely free.

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We both knew we’d like to start chipping away at our mortgage and Sprive is the kickstart we needed. The app provides a real sense of accomplishment when you see your projected time and interest savings in real time

Sharon Rai

Automatically chip away by making smart overpayments

How it works...

Smarter Payments
1. Link your account

Connect your bank account so we can set money aside based on your spending

Always on the best deal
2. Set your limit

Our AI works within your set limits, so we never impact your lifestyle

It's completely free
3. One-tap payments

With one tap, you can make payments to your lender or withdraw the money back

Switching with us could save you £300 a month*

Get it right with Sprive

24/7 Monitoring
24/7 Monitoring
90+ Lenders, 20,000 products
90+ Lenders, 20,000 products
Free independent advice
Free independent advice
Save thousands of £££s
Save thousands of £££s
Better than the rest
Better than the rest

Sprive will challenge your mortgage against the market every day to make sure you’re always on the best deal. We have access to expert advisors who take care of everything, while you track your application every step of the way.

Comparison sites

Shows you a lot of deals, but doesn’t tell you if you can get them and leaves you to apply by yourself.

Your lender

Only shows you their deals, which might not be the cheapest in the market.

Traditional brokers

Often charge fees and unable to scan the market every day for better deals.

Pay off your mortgage
while you shop

Do your shopping with Sprive and we'll give you extra cash to put towards your mortgage the same day. You'll be amazed at the difference it makes!

We've partnered with the UK's leading brands.

Shop with Sprive Brands

Shop with Sprive Brands

Set aside money

Our algorithm analyses your spending each week and sets aside the perfect amount.

The less you spend, the more we set aside without ever impacting your lifestyle.

Set aside money automatically

Pay off your
mortgage faster

Making regular overpayments has never been easier. You can even set payment limits within the app.

The more you overpay, the less interest you pay your lender.

Pay off your mortgage faster

Track your

Monitor your progress as you get closer to your dream of becoming mortgage free. See how much more interest you're on track to save.

The faster you chip away, the closer you are to living a debt free life.

Track your progress

How much of your home do you own?

Track your home's estimated value each month to see how much of it you own.

As you own more of your home, you'll also increase your chances of unlocking cheaper deals when you next remortgage.

How much of your home do you own?

Millions of homeowners are paying off their mortgage faster

There is a smarter way with Sprive...

Get access to better deals

You could save thousands next time you remortgage, by reducing your loan to value

Path to freedom

Fancy retiring early, travelling the world, doing more volunteer work? It’s all possible when you’re mortgage free

We take your security and privacy extremely seriously

We use bank level security and never share your personal data without your consent.

FCA Registered

We're an appointed representative of Albany Park Limited for mortgage services and Prepay Technologies Ltd for the issuing of electronic money.

Being debt free isn’t just for the super rich.

Over 3 million people in the UK are expected to have a mortgage past the national retirement age.

At Sprive, our goal is to bring about transparency and build technology that can help you live a debt free life.

Learn more about us
Download Sprive Today

Sprive supports 12 of the largest lenders in the UK.
It’s completely free.