Frequently Asked Questions
Frequently Asked Questions
Looking to take control of your mortgage and build long-term financial freedom — without the hassle. At Boost My Mortgage, we’re proud to refer and recommend the Sprive app, a smart, secure tool that helps UK homeowners pay off their mortgage faster using automated micro-overpayments. Below, we’ve answered the most common questions we hear about how Sprive works, why it’s safe, and how it can help you save thousands, all while keeping you in complete control.
What is Sprive?
Sprive is a free UK financial app that helps you pay off your mortgage faster by making small, intelligent overpayments each month. It connects to your bank using Open Banking, learns your spending patterns, and sets aside spare change to pay down your mortgage, automatically and securely.
Is Sprive really free?
Yes. Sprive is completely free to use. There are no hidden charges, monthly fees, or premium subscriptions. You keep 100% of your mortgage savings.
How does Sprive help me pay off my mortgage quicker?
By making consistent, voluntary overpayments using funds you won’t miss. These extra payments reduce your mortgage balance and the interest you pay over time, potentially saving you thousands and cutting years off your loan term.
How does Sprive know how much I can afford?
Sprive connects via Open Banking and reviews your income and spending habits. It then calculates a small, manageable amount to set aside, without impacting your day-to-day budget. You can cap or adjust this anytime.
Is Sprive safe to use?
Absolutely. Sprive is regulated by the Financial Conduct Authority (FCA) and uses bank-grade encryption. It never holds your money or shares your data without consent. You’re always in full control.
Does Sprive work with my mortgage provider?
Yes. Sprive supports most UK mortgage lenders. It doesn’t replace your lender, it simply helps you make extra payments to them securely.
How do I sign up?
Easy — just download the app here via our referral link and follow the setup steps:
- Connect your bank (securely via Open Banking)
- Set your monthly overpayment limit
- Let Sprive get to work!
It takes less than 5 minutes to set up.
Will using Sprive affect my credit score
No. Sprive does not perform credit checks or report activity to credit reference agencies. Overpayments don’t hurt your score, in fact, they strengthen your financial position
Can I pause or skip payments?
Yes! You’re always in control. You can pause, skip, or cancel overpayments at any time within the app. There’s no penalty or pressure, only flexibility
Do I need to switch mortgages?
Not at all. Sprive works with your existing mortgage and adds value without changing your deal or moving lenders.
Can I refer friends or family too?
Yes! Sprive has its own referral program, and so do we. If you like what Sprive does, you can refer others to sign up using your unique code and help them start their mortgage-free journey too.
Why does Boost My Mortgage promote Sprive?
We’ve reviewed dozens of cashback, switching, and savings apps in the UK. Sprive stood out for one simple reason: it helps people create real, recurring financial momentum using money they’d otherwise never notice. We only promote tools we believe genuinely help UK homeowners, and Sprive is one of them.
Ready to get started?
Click here to sign up for Sprive via our referral link and take your first step toward paying off your mortgage sooner, with less stress and more control.