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 Yet worryingly, we've found that more than half of adults don't have a will, or have one that's out of date.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.

22 September 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.

21 September 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.

21 September 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.

21 September 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.

18 September 2026

17 September 2026

A property's price isn't the only figure you need to consider when buying a home. There is also a raft of fees, charges and taxes you'll have to pay before (and after) you can get your hands on the keys to your new pad. This guide explains what extra costs you'll need to factor in when arranging a mortgage. We've included a list of what you'll have to shell out, when you'll need to pay the cost, and who you'll need to pay it to.

17 September 2026

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.

17 September 2026

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.

16 September 2026

Buying a new-build home throws up a unique set of challenges – get it wrong and you risk considerable extra stress and expense. This guide explains what you need to know before, during and after the new-build buying process, with 15+ tips to help make it as smooth as possible.

15 September 2026

It's the biggest purchase of your life, and even small mistakes can be costly. So we've drawn up a house-buying battleplan, with 23 tips for first-time buyers and home movers. This guide includes how to squeeze sellers for info, doing your own research, hidden costs to be wary of, a deal-breaker checklist, plus tips on buying at auctions.

14 September 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.

4 September 2026

27 August 2026

Separating might mean you're no longer romantically linked with your partner, but if there's a joint mortgage with both your names on it then you're still financially linked. Fail to keep up with repayments of a joint mortgage, and there could be serious knock-on effects for both of you. This guide explains what you need to know.

26 August 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.

24 August 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.

24 August 2026