Kit Sproson

Senior Money Writer – Mortgages Expert

As one of MSE's Money writers, Kit's main topics include mortgages, Council Tax, wills, funeral plans and scams. He previously covered credit scoring, students and buy now, pay later. Before joining MSE in 2019, Kit worked as a digital journalist for ITV News as well as a court reporter.

Kit has been nominated for the Mortgage Journalist of the Year Award at the Headline Money Awards in 2022, 2023 and 2024.

In his spare time, Kit enjoys reading, football, travelling and volunteering at Shelter from the Storm.

Latest from Kit Sproson

Millions of people use buy now, pay later firms such as Klarna and Clearpay when shopping online or in store. Managed correctly, they can be a cheap and quick way of accessing credit. But research shows many users aren't aware that if something goes wrong, you face late fees and, increasingly, marks on your credit file. This guide takes you through how buy now, pay later works and what to look out for.

6 January 2026

More than £140 million in overpaid tax is sitting in council coffers. Moved home since 1993? You could be owed £100+ of it. Even if you haven't, you might still be due. This guide explains how to check whether you're one of the 800,000 affected, and what steps to take to get the money back.

6 January 2026

Many people are eligible for a Council Tax discount or reduction of between 25% and 100%, saving £100s or even £1,000s each year. Those living alone or only with children, students, those with a carer or a specific medical diagnosis – as well as people on low incomes and even those with empty properties could cut their bill. Read on to see who's eligible, how much you might save, and how to apply.

6 January 2026

Guide about the severe mental impairment council tax discount

Hundreds of thousands of people considered to be 'severely mentally impaired' in England, Scotland and Wales could be missing out on a Council Tax discount worth £100s – and even backdated payments worth £1,000s. We've been raising awareness of this discount for years now, and many have successfully claimed. See if it can help you too.

6 January 2026

How to check and challenge your council tax band

Hundreds of thousands of homes across England and Scotland are thought to be in the wrong Council Tax band. This means it's important to check your property's in the right band – something our tried-and-tested system can help you do. Some homeowners and renters have unknowingly been overpaying Council Tax for many years, even decades, because their bands are too high, so payouts worth £1,000s are commonplace.

6 January 2026

Mortgage overpayments are commonplace right now as homeowners look to offset the impact of today's expensive interest rates. Overpaying your mortgage should be a serious consideration if you have the cash. Many can save £10,000s. Yet rates on many savings accounts are decent, so those on older, cheaper mortgages may actually do better in savings. This guide helps you decide what's best for you.

6 January 2026

A prepaid funeral plan lets you pay for your own funeral in advance, potentially saving your family stress and expense when you die. But while things like a coffin and burial/cremation fees are usually covered, plans often DON'T cover all funeral costs, so check what's included. Our guide helps you decide whether to get one.

17 December 2025

Homeowners use equity release to unlock billions in cash from property each year. But if that's you and you've got a 'lifetime mortgage' charging an interest rate higher than what's available today, it might be possible to save £10,000s by switching to a better deal. This guide will help you figure out if you can save – and show you how to go about doing it.

15 December 2025

Income and the size of your deposit – or the amount of equity you've already got – both have a fundamental impact on how much money a mortgage lender might let you borrow. Lenders also 'stress test' to see if you'd be able to keep up with repayments if interest rates went up, so you should be realistic about how much money you hope to borrow.

5 December 2025

Buying a home in Scotland - the timeline.

Buying a home is notoriously stressful. However, knowing the rough outline of how the process works will make things that little easier. This guide walks you through all the steps to buying a home in Scotland, including typical timescales.

5 December 2025

Buying a home is one of the most stressful things you'll do – however, knowing a rough outline of how the process works will make the ride that bit smoother. Our buying a home timeline walks you through all the steps involved, from finding your dream home to appointing a conveyancer, and securing a mortgage to picking up the keys.

5 December 2025

Getting a mortgage is one of the biggest financial commitments you're likely to make. While the prospect can be exciting, navigating the market can be overwhelming – what with 1,000s of deals available and interest rates being high – so it's crucial to understand which mortgage will suit you. This guide outlines the different types of mortgages available and how they differ.

5 December 2025

MoneySavingExpert.com founder Martin Lewis's face has been plastered over the internet for many years now by unscrupulous fraudsters looking to scam people out of money. These ads, be they for cryptocurrency, investments, banks, are scams and not genuine. They're dangerous and you should be on your guard. Martin NEVER endorses products and nor does MSE – so don't be fooled.

5 December 2025

It's a morbid topic, but when someone dies, if you're in charge of sorting out their property, money and possessions, you may need to go through a process known as 'probate'. While this can be another thing to deal with at a difficult time, it's often something you can do yourself, possibly saving £1,000s. Our guide explains how.

4 December 2025

Green mortgages: how they work and who offers them

More than half of mortgage lenders offer what are known as 'green mortgages'. The idea is if you're moving into an energy-efficient home or making your property greener, your mortgage lender will reward you with a better interest rate or cashback. But we've found that green mortgages, while competitive, aren't normally the cheapest mortgages on the market.

4 December 2025

Someone writing 'kitchen' on a cardboard box.

It's just before you move home. You're frantically packing boxes, sorting final bills and booking removal vans. But what else do you need to know and do? Our moving home checklist is here to help, offering everything from moving day tips to ways to save on your new household bills. We've split our checklist into three parts: Part 1: Before moving day Part 2: On moving day Part 3: After moving day

4 December 2025