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

I'm a mortgage prisoner – what can I do?

Mortgage prisoners are homeowners who typically took out a mortgage before 2008, when lending rules were more relaxed. They're now trapped on pricey mortgage deals unable to switch to cheaper ones, mainly because they don't pass current strict affordability tests. With some paying interest rates as high as 9%, the picture is bleak. This guide has things to try if you can't easily switch mortgage.

13 July 2026

Sometimes the task of selling your house can feel as big as the property itself. There's a lot to consider, not just the price you want get for it. In this guide, we've got 19 top tips – roughly in chronological order – covering everything from valuing your home and comparing estate agents, to removals and energy performance certificates, which'll hopefully make selling as stress-free as possible.

1 July 2026

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

1 July 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.

30 June 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.

29 June 2026

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.

29 June 2026

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.

26 June 2026

Buying a property can be stressful, and isn't made easier by an estate agent saying you MUST use its recommended solicitor or mortgage broker. This dodgy practice is known as 'conditional selling' – it's against the law, can cost you more and even risk sales falling through, yet it's widespread. We show you what to look out for and how to avoid it.

17 June 2026

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

16 June 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.

2 June 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.

1 June 2026

27 May 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.

27 May 2026

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.

19 May 2026

12 May 2026

Older man smiling warmly as he is comforted by a relative

12 May 2026