☰What’s in this guide11 sectionsShowHide
- 1Best Way to Earn Cashback Towards Your Mortgage
- 2How Sprive Mortgage Cashback Works
- 3How Yonder Mortgage Rewards Work
- 4Can You Get Cashback Directly on Your Mortgage Payment?
- 5What About Making Mortgage Overpayments With a Cashback Card?
- 6Could Zilch Earn Cashback on a Mortgage Payment?
- 7The Better Strategy: Earn Cashback Elsewhere and Put It Towards Your Mortgage
- 8Other Ways to Earn Money Towards Your Mortgage
- 9Example: £25 a Month Towards Your Mortgage
- 10Is Sprive Worth Using?
- 11Start Earning Cashback Towards Your Mortgage
Your mortgage is probably one of your biggest monthly expenses, so is there any way to earn cashback from it?
Yes — and there are now ways to earn rewards directly on your mortgage payments, too!
Our favourite option is Sprive, which lets you earn cashback on everyday spending and automatically put those rewards towards reducing your mortgage.
Another interesting option is Yonder, which allows eligible homeowners to earn points on their monthly mortgage payments. You transfer your own money into Yonder, which forwards it to your lender by standing order.
Both offer different ways to get more value from your mortgage, and you can potentially use them together.
Best Way to Earn Cashback Towards Your Mortgage
SpriveBest Overall
YonderHow Sprive Mortgage Cashback Works
Sprive connects to your mortgage and gives you additional ways to put money towards it.
One of the easiest is shopping cashback.
You'll find cashback offers and discounted gift cards for retailers inside the Sprive app. If you're going to spend with one of those retailers anyway, you can go through Sprive and earn a reward.
That cashback can then be put towards your mortgage.
For example, if you were going to spend £100 with a retailer and Sprive was offering 4% cashback, you'd earn £4 towards your mortgage.
Do this regularly across groceries, shopping and other everyday spending and the cashback can start adding up.
Get an extra £5 to start
New users can currently get a £5 Sprive reward through My Side Gig.
- Join Sprive here and use code SIDEGIG.
- Download the Sprive app and complete the setup process.
- Browse the cashback offers and gift cards available in the app.
- Make your first qualifying shop through Sprive.
- Your £5 reward will be added once you've completed the qualifying purchase.
How Yonder Mortgage Rewards Work
Another interesting option is Yonder, which lets eligible homeowners earn rewards points on their monthly mortgage payments.
Unlike ordinary cashback cards, Yonder doesn't require you to pay your mortgage using borrowed money.
Instead, it works like this:
- Join Yonder and choose a Free or Premium account.
- Add your mortgage payment in the Yonder app.
- Transfer your own money into your Yonder account.
- Yonder pays your mortgage provider automatically by standing order.
- Earn Yonder points on eligible mortgage payments every month.
Once everything is set up, Yonder handles the payments automatically.
How much can you earn?
New members can currently earn enhanced monthly mortgage rewards:
- Free: Up to 1,000 points per month (normally 200).
- Premium: Up to 10,000 points per month (normally 2,000).
The enhanced offer is available to eligible new members until 31 December 2026.
There is no separate fee for earning mortgage rewards, although Premium membership has a monthly subscription fee.
Your mortgage provider must accept standing orders, and Yonder points are not the same as cash.
Get a Yonder sign-up bonus 🎁
New members can also access a welcome offer when joining through My Side Gig.
Join Yonder & Claim Your Sign-Up Bonus →
Can You Get Cashback Directly on Your Mortgage Payment?
Yes, you can now earn rewards on eligible mortgage payments through Yonder.
However, ordinary cashback debit and credit cards generally don't reward mortgage repayments.
Most UK mortgage payments are collected by Direct Debit rather than processed as normal card purchases.
That's why Yonder is interesting. It allows eligible homeowners to earn points by routing their mortgage payments through Yonder, which pays the lender by standing order using the homeowner's own money.
You don't need to borrow money, although your mortgage provider must accept standing orders.
If you're looking for actual cashback rather than points, Sprive remains our favourite option. It lets you earn cashback on everyday spending and put those rewards towards reducing your mortgage.
What About Making Mortgage Overpayments With a Cashback Card?
This is an interesting potential route, but we'd treat it as a bonus rather than a reliable cashback strategy.
Some mortgage lenders allow you to make one-off overpayments using a debit card.
If yours does, you might wonder whether you could use something like a cashback debit card to make the payment and earn cashback.
The problem is that cashback depends on how the transaction is classified by the card provider.
Mortgage and financial-service payments may be excluded from cashback, even where the payment itself successfully goes through.
So before making a large overpayment purely for cashback, check:
- whether your mortgage lender accepts debit-card overpayments;
- whether your cashback provider excludes mortgage, loan or financial-service payments;
- whether there are any fees involved; and
- your mortgage's overpayment allowance.
Don't make an unnecessary mortgage overpayment purely to test a cashback card unless you're happy for that money to remain against your mortgage.
Could Zilch Earn Cashback on a Mortgage Payment?
Zilch can be useful for earning cashback on normal spending, but we wouldn't rely on it for mortgage repayments.
Even if you can find a way of making a mortgage payment or overpayment by card, that doesn't necessarily make the transaction eligible for Zilch cashback.
Eligibility ultimately depends on the transaction and Zilch's current cashback exclusions.
It's therefore much safer to use Zilch for eligible everyday purchases and treat the cashback as money you've effectively saved, rather than trying to route your mortgage payment itself through Zilch.
The Better Strategy: Earn Cashback Elsewhere and Put It Towards Your Mortgage
This is why we think Sprive is the better approach.
Instead of trying to force a mortgage payment through a cashback card, earn cashback from purchases you're already making.
Suppose you earn:
£10 per month → £120 per year
£25 per month → £300 per year
£50 per month → £600 per year
Put those rewards towards your mortgage and you're effectively turning normal household spending into mortgage overpayments.
And because mortgage interest is calculated on what you owe, reducing the balance earlier can potentially save additional interest over the remaining mortgage term.
Other Ways to Earn Money Towards Your Mortgage
Sprive doesn't have to be the only strategy.
You could combine it with cashback and rewards earned elsewhere, then use the money saved to make additional mortgage overpayments.
For example, you could use:
Cashback cards — earn cashback on normal card spending.
Cashback sites — go through sites such as TopCashback or Quidco before shopping online.
Bank rewards — some current accounts offer monthly rewards or cashback.
Gift card cashback — buy discounted or cashback-earning gift cards before making purchases you'd have made anyway.
Bank switching bonuses — occasional switching offers can pay £100–£200+ at a time, which could be put towards your mortgage.
The important distinction is that you're earning cashback from your other spending and using it against your mortgage, rather than necessarily earning cashback on the mortgage transaction itself.
Example: £25 a Month Towards Your Mortgage
Imagine your normal shopping generates an average of £25 per month in cashback.
That's:
£300 per year
Over five years, that's:
£1,500
And that's before considering the mortgage interest you could potentially avoid by reducing your balance earlier.
You haven't had to find another £1,500 from your salary — you've redirected rewards generated from spending you were already doing.
Is Sprive Worth Using?
If you have a mortgage, we think Sprive is one of the more interesting cashback apps because the reward has a clear purpose.
You're not going to pay off your mortgage with cashback alone, but even relatively small amounts can add up over several years.
The biggest advantage is that you can earn rewards from spending you were going to do anyway and put them towards reducing your mortgage.
New users can also currently get £5 through My Side Gig after completing their first qualifying Sprive shop.
Start Earning Cashback Towards Your Mortgage
If you're looking for the simplest place to start, we'd go with Sprive.
It doesn't require you to change how your lender collects your normal mortgage payment. Instead, you earn cashback through everyday spending and use those rewards to help reduce your mortgage.
New users joining through My Side Gig can currently get an additional £5 reward after their first qualifying shop using code SIDEGIG.
Want to earn rewards on your actual mortgage payments?
Yonder is another option worth exploring. Eligible homeowners can earn points on monthly mortgage payments, with Free and Premium accounts available.
You could even combine both services — earning Yonder points on mortgage payments while using Sprive cashback to make additional mortgage overpayments.
Join Yonder & Get Your Sign-Up Bonus →
Cashback rates, rewards, eligibility and membership fees can change. Check the latest terms before signing up, and remember that mortgage overpayments may be subject to lender limits or early repayment charges.
Frequently asked questions
Can I earn cashback on my mortgage payments?
Yes. Yonder lets eligible UK homeowners earn rewards points on their monthly mortgage payments. You transfer your own money into Yonder, which pays your mortgage provider by standing order. You can also use Sprive to earn cashback towards mortgage overpayments.
What's the best cashback app for mortgage holders?
Our top picks are Yonder and Sprive. Yonder is best for earning rewards directly on eligible mortgage payments, while Sprive is ideal for earning shopping cashback that can be put towards reducing your mortgage.
Can I pay my mortgage with a cashback debit card?
It depends on your lender, but most regular mortgage payments are made by Direct Debit. Even where debit-card payments or overpayments are available, your card provider may exclude mortgage or financial transactions from cashback.
Can I make mortgage overpayments by debit card?
Some lenders allow debit-card overpayments. Check directly with your lender, including any annual overpayment limits that apply to your mortgage.
Can I use Zilch to earn cashback on my mortgage?
We wouldn't rely on it. Mortgage and financial transactions may not qualify for cashback. Zilch is better used for eligible everyday purchases, with the resulting savings then put towards your mortgage if you wish.
Does mortgage cashback really make a difference?
Small amounts can add up. £25 per month is £300 per year and £1,500 over five years, before considering any mortgage interest potentially saved by reducing your outstanding balance sooner.
How does Yonder pay my mortgage?
You transfer your mortgage payment into your Yonder account. Yonder then sends the money to your mortgage provider automatically by standing order. You earn points on eligible payments without borrowing money. Your lender must accept standing orders.
Can I use Yonder and Sprive together?
Yes. You could earn Yonder points on your monthly mortgage payments while using Sprive to earn cashback from shopping and put it towards mortgage overpayments. Both programmes have their own eligibility requirements and rewards rules.