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

Die without having made a will and you could be leaving behind significant financial problems for your loved ones. Yet worryingly, we've found that more than half of adults don't have a will, or have one that's out of date. Fortunately, there are low-cost will-writing options out there.

2 November 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.

2 November 2026

29 October 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.

29 October 2026

Getting the right mortgage or remortgage deal can save you £100s each month. Where you get it wrong, you can end up paying massively over the odds. In this step-by-step guide, we aim to show how to find the best mortgage deal for you, where to look for a good mortgage broker and other key info.

29 October 2026

Buying a share of a property is one way of getting on to the housing ladder – a ladder increasingly hard to climb as property prices have soared. Yet while the concept of Shared Ownership seems straightforward, in practice it's often complicated and expensive. This guide sets out how the scheme works and what to look out for.

29 October 2026

Getting a mortgage can seem like climbing Everest, especially with high interest rates and the cost of living eating into your budget... but there are ways you can improve the odds. This guide has our 18 top tips on how to boost your chances of getting accepted for a cheaper mortgage deal.

29 October 2026

Currently, interest rates on many five and 10-year fixes are not far off those of shorter deals – in some cases they're actually better. But should you be fixing your mortgage for this long? This guide takes you through what you need to consider.

29 October 2026

Interest-only mortgages are far less common than they used to be – currently making up just 10% of all mortgages. They're also much harder to be accepted for, so if you're considering one, it's important to understand how they work. This guide talks you through what they are, who can apply for one – and what to do if you've already got an interest-only mortgage that needs paying off.

29 October 2026

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.

29 October 2026

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.

29 October 2026

A gloved hand laying bricks on to a wall.

28 October 2026

Remortgaging – getting a new mortgage deal to replace your current one – requires preparation and effort. But taking the time to get the right deal can help you save £1,000s in the long run, especially while interest rates are high. Read our guide for a number of tips explaining how to get remortgage ready.

20 October 2026

First Homes scheme: how it works and who can apply.

Some first-time buyers in England could get up to a 50% discount off the price of a new-build home as part of the government's First Homes scheme. The First Home scheme is aimed at those who earn less than £80,000 a year (or £90,000 in London). Here we explain how the scheme works, and by how much it can reduce the cost of a new-build home.

20 October 2026

Scams are rife and you'd be hard-pressed to find anyone in the UK who hasn't been targeted. And they're becoming more sophisticated all the time, continuing to deprive people of often life-changing amounts of money. This guide explains what to look out for, how to protect yourself and what to do if you're a victim of a scam – including details of new rules which mean many can get their money back.

8 October 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 October 2026