He really likes to have pounds to spare (5)
I believe the answer is:
lover
'he really likes' is the definition.
(I've seen this before)
'pounds to spare' is the wordplay.
'pounds' becomes 'l' (L can represent the monetary pound).
'to spare' becomes 'over' (I can't justify this - if you can you should give a lot more credence to this answer).
'l'+'over'='LOVER'
'to have' acts as a link.
Can you help me to learn more?
(Other definitions for lover that I've seen before include "One enjoys" , "Sweetheart" , "'Lady Chatterley's - - ' by D H Lawrence" , "He really likes" , "finished litre first" .)