Kit Sproson

Senior Money Writer – Mortgages Expert

Latest from Kit Sproson

Reclaim overpaid council tax

Reclaim overpaid council tax

A MoneySavingExpert.com investigation found there was at least £230 million in overpaid tax sitting in council coffers. This MoneySavingExpert guide explains how to check if you're owed.

28 November 2023

Redundancy help

Redundancy help

If you've been made redundant, it can be difficult to cope. Use this step-by-step guide to minimise the impact on your finances & get the right benefits

23 November 2023

The Help to Buy equity loan

The Help to Buy equity loan

Help to Buy equity loans are an increasingly popular means of getting onto the housing ladder, with more than 236,000 properties purchased using the scheme since 2013 - MoneySavingExpert.

1 November 2022

Administration help

Administration help

Can you reclaim your cash from companies in administration? Or from your credit card provider. This Money Saving Expert guide shows you your rights.

12 July 2022

The Old Help to Buy Equity Loan

The Old Help to Buy Equity Loan

Help to Buy equity loans are a popular way to get onto the housing ladder, with more than 236,000 properties purchased using the scheme since 2013 - MoneySavingExpert.

17 December 2020

Bank of England holds base rate at 5.25% yet again – what it means for your savings and mortgage

Bank of England holds base rate at 5.25% yet again – what it means for your savings and mortgage

The Bank of England held the base rate at 5.25% for the fourth time in a row on Thursday 1 February. This rate is used by the central bank to charge other banks and lenders when they borrow money – and so it influences what borrowers pay and what savers earn.

6 February 2024

Mortgage rates are falling – five-year fixes to drop under 4%. But will they get cheaper?

Mortgage rates are falling – five-year fixes to drop under 4%. But will they get cheaper?

Mortgage rates are falling – 5-year fixes to drop under 4%. But will they get cheaper?

16 January 2024

Two-year fixed mortgages drop below 5% for the first time in months – but should you fix now?

Two-year fixed mortgages drop below 5% for the first time in months – but should you fix now?

Rates on two-year fixed mortgage deals have dipped below 5% for the first time in five months. But brokers believe fixed deals could get even cheaper – so should you fix now or hold out?

14 November 2023

Should you fix your mortgage and savings now as Bank of England holds base rate at 5.25%? Your options explained

Should you fix your mortgage and savings now as Bank of England holds base rate at 5.25%? Your options explained

Savers should consider locking in a top fixed rate now as the Bank of England has held the base rate at 5.25% for the second time in a row.

2 November 2023

Council tax in Scotland to be frozen until April 2025 – here's what you need to know

Council tax in Scotland to be frozen until April 2025 – here's what you need to know

Council tax for all 2.5 million households in Scotland will be frozen at current levels until April 2025, the Scottish Government has confirmed. It means no household in Scotland will see an increase in council tax for at least the next 18 months.

18 October 2023

PPI group legal claim launched over excessive commissions – are you owed £1,000s?

PPI group legal claim launched over excessive commissions – are you owed £1,000s?

A new group legal claim hoping to claw back an estimated £18 billion in payment protection insurance (PPI) on behalf of millions of consumers has been launched.

6 October 2023

Mortgage rates fall as Bank of England unexpectedly holds UK rates – so should you fix?

Mortgage rates fall as Bank of England unexpectedly holds UK rates – so should you fix?

Interest rates on fixed mortgage deals have been edging down over the past few weeks with some five and 10-year fixes now at below 5%.

26 September 2023

Fixing your mortgage for 10 years or more is now CHEAPER than a two-year fix – but should you lock in your mortgage rate for the long term?

Fixing your mortgage for 10 years or more is now CHEAPER than a two-year fix – but should you lock in your mortgage rate for the long term?

Fixing your mortgage rate for 10 years is now significantly cheaper than two and five-year deals – even the UK's only 25-year fix has a lower rate than the top two-year fix.

11 July 2023

'We got a £7,500 council tax refund as carers thanks to MSE's tips' – here's how to check if you qualify for money off your bill

'We got a £7,500 council tax refund as carers thanks to MSE's tips' – here's how to check if you qualify for money off your bill

A dad is encouraging others to check if they qualify for the 'live-in carer' and/ or 'severe mental impairment' council tax discounts after he and his wife were granted a £7,500 refund and will also save £1,000s off their bill going forward.

6 June 2023

Fixed mortgage rates rising as inflation higher than expected – here's what's happening and why you might want to consider fixing now

Fixed mortgage rates rising as inflation higher than expected – here's what's happening and why you might want to consider fixing now

While no-one has a crystal ball, experts believe fixed mortgage rates are likely to continue increasing while inflation remains high.

31 May 2023

Leeds becomes first mortgage lender to use Netflix, Spotify and council tax payments to 'boost' home loan chances – here's how it works

Leeds becomes first mortgage lender to use Netflix, Spotify and council tax payments to 'boost' home loan chances – here's how it works

Leeds Building Society has become the first in the UK to start using payment data recorded on Experian Boost when considering home loan applications.

16 May 2023