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

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 or cremation fees are usually covered, prepaid plans often DON'T cover all funeral costs, so always check what's included. This guide helps you decide if you should get one.

31 January 2025

Under the Right to Buy scheme, some council and housing association tenants have the opportunity to buy their property at a discounted price. This guide explains how the Right to Buy scheme works, who can take part and what size discount you can get.

28 January 2025

Since 2020 MSE Kit has discovered a hobby that's helped him keep fit, learn things, make new friends and spend more time outdoors. And considering all these benefits, this hobby costs him relatively little.

27 January 2025

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.

20 January 2025

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.

13 January 2025

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.

13 January 2025

Remortgaging is where you take out a new mortgage on a property you already own. The most obvious reason to remortgage is to save yourself some money – possibly because your current deal has finished and you've moved onto your lender's expensive standard variable rate. However there are also other reasons for considering a remortgage. This guide spells out when you should (and shouldn't) remortgage.

7 January 2025

It sounds daft. We're happy to stump up £100,000s to buy a leasehold property, yet someone else normally owns the land it stands on, the cost of extending the lease is potentially £10,000s, and the annual service charge might be very expensive too. Fortunately, in England and Wales, it's possible for leaseholders to buy their freehold or take over a building's management. This step-by-step guide shows you how.

7 January 2025

Getting the right mortgage or remortgage deal can save you £100s each month. With interest rates on mortgages high right now, it's possible to get it wrong and 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.

7 January 2025

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.

7 January 2025

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.

7 January 2025

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.

7 January 2025

It's possible to pick up repossessed and distressed properties at 20% – and in some cases nearer to 30% – off the market price. If you're willing to put the renovation work in, these properties can represent some of the best buys available. This quick guide runs through how buying a repossession works, where to find bargain properties, using the top auction houses and more.

7 January 2025

If you're struggling to meet your monthly repayments, mortgage charter help lets you temporarily switch to interest-only payments or extend your mortgage term – without it impacting your credit file. Here we take a deep dive in to both options, plus we've a mortgage help calculator which lets you work out how much each could save you.

7 January 2025

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.

7 January 2025

Green mortgages: how they work and who offers them

Many high street 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 often the very cheapest mortgages on the market.

7 January 2025