Sprive

Founded in 2019, Sprive launched its consumer-facing mortgage overpayment app in October 2021, positioning itself as the world's first platform dedicated to helping UK homeowners pay off mortgages faster through automation and cashback rewards. The company uses open banking infrastructure and embedded payment rails to automate overpayments directly to lenders. In 2025, Sprive repositioned around an AI mortgage assistant concept, broadening from pure overpayment automation to holistic mortgage management — including switching guidance — while closing a £5.5M round to scale.