Simply download the app and complete the sign-up journey. Once done, you can find the feature available under the ‘Rewards’ tab.

How does Shop with Sprive help homeowners?

Just by doing your regular shopping with the Sprive app, you can earn extra money which you can send to your mortgage with just one tap. You’ll be amazed, at the impact an extra £25 a month towards the mortgage can have. For example, a £250,000 mortgage at 5% for 30 years would save you £11,230 and help you pay off your mortgage 1 year and 2 months earlier.

Click on the rewards tab to become familiar with the brands we have partnered with. With each brand when you click on the offer you can see the % reward on offer and whether the offer is available in-store, online, or both. You can either pre-purchase a voucher for a select amount at your preferred brand or you can wait until you’ve done your normal shopping and you’re at checkout. Simply enter the amount you would like to purchase, hit ‘pay now’, and authorise the payment via your banking app. Upon successful payment, you will be presented with a voucher which can use to scan and pay for the shop in full. Sprive will then credit you the reward to your Sprive account within a couple of hours. You can then pay this money to your lender with just one tap.

As soon as you’ve purchased a voucher with a brand via the Sprive app, we will aim to credit the reward to your Sprive account within a couple of hours at the latest.

This depends on the brand itself. Some brands are online only, some are in-store only and some are available in both. Before purchasing a voucher with Sprive you can check under each brand where the voucher can be used.

Click on the rewards tab and select ‘Your Vouchers.’ From here you can see all voucher codes which have not been used.

We work with some of the biggest brands in the UK so that together we can help you combat rising prices and higher mortgage rates. We’re always working hard to add more brands, but here are just some of the retailers we work with: Morrisons, Waitrose, M&S, Iceland, Costa Coffee, Café Nero, Deliveroo, Just Eat, Uber Eats, Primark, Boohoo, Asos, Decathlon, Foot Locker, New Look, River Island, Superdry, John Lewis, B&M, Matalan, Argos, Boots, airbnb, Uber, Lastminute.com, Halfords, Ernest Jones, H.Samuel, WHSmith.

All rewards earned via Shop with Sprive can only be paid towards your mortgage. The brands have only agreed to work with Sprive as they’re keen to help homeowners in their efforts to become mortgage free.

Yes. Just indefinitely pause your auto-saves via the Auto-Save tab and then you can do your everyday shopping via the Rewards tab. You’ll be surprised how quickly regular use of the feature will help you earn. Once you have earned more than £1, you will have the ability to pay this to the lender with just one tap, with the exception of Nationwide as they have a minimum threshold of £500.

We process payments via bank transfer so that we can offer our customers a greater % of the rewards. Debit card and credit card providers charge high fees which would significantly reduce the level of reward we would be able to offer you. Our goal is to help you save as much money as possible on your mortgage.

Cashback towards your mortgage is better using the Sprive app because it helps you save money on your mortgage while you do your regular shopping. Unlike other cashback sites, the money you earn is invested into your mortgage giving you an effective rate equal to your mortgage rate.

Yes, as you pay the face value of the goods and then the discount is an additional benefit received on top of a purchase that we’ve been able to get the retailer or service provider to fund, so that it helps you become mortgage free, faster.

Whilst there is no limit to how much cashback you can earn via Sprive, the minimum amount you can pay to your lender is £1 via the Sprive app.