The strategy: Most lenders prefer customers not overpay on their mortgages, as it cuts into their profits. But a mortgage solutions provider in the UK may give lenders—and their customers—another option, per TechCrunch.

The solution: UK-based fintech Sprive is one alternative that helps users overpay their mortgages using automation and shopping-based cashback rewards. It links to a user’s bank account and uses spare cash from everyday purchases to make mortgage overpayments automatically—which Sprive claims can save customers £10,000 ($13,000) over the lifetime of their mortgages.

Lenders would still lose revenue when customers overpay, but Sprive aims to offset those costs with improved customer acquisition and earned commissions for new customers.