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

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.

6 May 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.

10 April 2026

If you're married or in a civil partnership and under 90 years old, you may be entitled to a £1,260 tax break called the Marriage Tax Allowance – something around two million qualifying couples miss out on. It's easy to apply and take advantage of this tax break. This guide walks you through who's eligible and how to claim.

6 April 2026

25 March 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.

23 March 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.

17 March 2026

If you're buying a property with somebody else, one of the most important things you'll need to decide is whether to own it as 'joint tenants' or 'tenants in common'. This is something you should carefully consider – as the choice can have a big impact on your future finances and security.

3 March 2026

Many students leave university having borrowed £10,000s in student loans that'll take decades to repay. Will it affect your ability to get a mortgage now or in the future? The answer is yes, it can – but not to the same extent as other debts. This short guide explains what you need to know.

26 February 2026

19 February 2026

Homeowners can rack up a bill of £1,000s or even £10,000s trying to extend their lease. Thankfully the Government is in the process of making extending both easier and cheaper – but reform keeps getting hit by delays. This guide talks through why leases need extending, when it becomes necessary, and how to do it. Plus, check out our What is a leasehold? guide for more on how a leasehold works.

17 February 2026

Millions of people own a leasehold property, but this type of home ownership can be complex. Leasehold tenure has received much negative attention over the years, so the Government is introducing changes that'll make it cheaper to extend a lease – plus ground rent on new leases is now banned. This guide explains what leasehold is, how it's set to change, and what to do if something goes wrong.

17 February 2026

Homeowners use equity release to unlock billions in cash from property each year. But if that's you and you've got a 'lifetime mortgage' charging an interest rate higher than what's available today, it might be possible to save £10,000s by switching to a better deal. This guide will help you figure out if you can save – and show you how to go about doing it.

26 January 2026

20 January 2026

A younger person's hands gently holding the hands of an older person

16 January 2026

Buying a home in Scotland - the timeline.

Buying a home is notoriously stressful. However, knowing the rough outline of how the process works will make things that little easier. This guide walks you through all the steps to buying a home in Scotland, including typical timescales.

5 December 2025

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.

5 December 2025