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Kit Sproson

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

Getting ready to remortgage
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 May 2025
Prepaid funeral plans
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.
20 May 2025
Credit report.
Checking your credit report is in good shape is VITAL if you want to get a mortgage, credit card, loan and much more. And with the cost of living eating into people's budgets and perceived 'affordability' for credit, having a good history has only grown in importance. Thankfully, there's no need to pay to access your credit report. In fact, some newbies can even earn money for doing so. Here's how to check your credit reports.
15 May 2025
Boost your mortgage chances.
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.
13 May 2025
Cheap mortgage finding
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.
13 May 2025
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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.
13 May 2025
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Getting a new mortgage deal doesn't have to mean switching lender. If you prefer, you can get a new deal from your current lender – known as a 'product transfer'. In fact, this route can often be quicker, easier and possibly cheaper than switching lender. Check if a product transfer could save you £1,000s by following our four simple steps.
13 May 2025
What type of mortgage to choose?
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.
13 May 2025
While only around 6% of estates are liable to pay Inheritance Tax, if you're likely to be one of them, there are ways to plan ahead to legally reduce the bill. This guide talks you through how you can use 'gifting' as a way to pass on some of your money while you're still alive – and the rules you need to know
9 May 2025
Guide to probate.
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.
9 May 2025
Build your credit history
Credit scoring is about predicting your future behaviour based on your past. So if you're a young person or student with no past, this can cause you to be rejected for a loan, mortgage, bank account, phone contract or energy tariff. We explain how you can start climbing the credit rating ladder and boost your chances of bagging the best products.
8 May 2025
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Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the base rate. But will fixed rates move much further – and should you fix now or wait?
6 May 2025
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Stamp Duty is a tax that's charged when you buy a property in the UK, but you'll only need to pay it if the price of that property reaches a certain threshold. Our Stamp Duty calculator below shows you just how much you'll need to pay. Plus, read our full guide for exactly how Stamp Duty works in different parts of the UK and when you need to pay it by.
25 April 2025
Buying a home timeline.
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.
23 April 2025
Inheriting a pension: what happens and is there tax to pay?
A pension can often be passed on if there's money left in it at the time of your death. In some cases, pensions can even be inherited tax-free – though this will depend on a number of factors. This guide explains the types of pensions that can be passed on, and whether you're likely to need to pay tax if you're inheriting pension savings.
22 April 2025
Inheriting a pension: what happens and is there tax to pay?
A pension can often be passed on if there's money left in it at the time of your death. In some cases, pensions can even be inherited tax-free – though this will depend on a number of factors. This guide explains the types of pensions that can be passed on, and whether you're likely to need to pay tax if you're inheriting pension savings.
22 April 2025