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

Many people are eligible for a Council Tax discount or reduction of between 25% and 100%, saving £100s or even £1,000s each year. Those living alone or only with children, students, those with a carer or a specific medical diagnosis – as well as people on low incomes and even those with empty properties are among those who could cut their bill. Read on to see who's eligible, how much you might save, and how to apply.

7 January 2025

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.

7 January 2025

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.

7 January 2025

It's a morbid topic, but when someone dies, if you're in charge of sorting out their property, money and other possessions, you may need to go through a process known as 'probate'. And while this can be yet another thing to deal with at a difficult time, it's often something you can do yourself, which can save you £1,000s. This guide explains how.

6 January 2025

Bank of England from the outside with some flowers at the front

The Bank of England has held the base rate at 4.75%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.

23 December 2024

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.

3 December 2024

Paper cut out of a house on top of calendars

Homeowners will have to wait even longer for major leasehold reform after the Government described the previous attempt at overhauling the sector as "flawed". Here's what you need to know.

26 November 2024

NatWest is the latest major lender to reduce the amount of time its mortgage customers have to lock in a new rate ahead of their current deal ending, joining five other high street banks. The changes mean you've less time to insure yourself against rates rising before your existing mortgage comes to an end.

25 November 2024

Excess bank charges are no longer such an issue as many banks aren't charging fees for going over your overdraft limit any more. Yet many people in financial hardship can still reclaim past charges worth up to £100s – joining the £1bn already repaid. This guide runs through whether you might be eligible, how much you could get back and how to make a reclaim, including free template letters.

19 November 2024

Cuts to fixed-rate mortgages have come to a halt and many lenders are now hiking rates following the Budget last month – but will this trend continue? We've spoken to four mortgage brokers to see what they think is next for mortgage rates.

14 November 2024

The base rate has been cut to 4.75% from 5% by the Bank of England. This rate is used by the central bank to charge other banks and lenders when they borrow money, so the move can impact mortgage and savings rates.

13 November 2024

The Chancellor Rachel Reeves has today announced a host of changes to benefits, transport and more in her Autumn Budget. MoneySavingExpert.com founder Martin Lewis has shared his instant reaction and explained what the changes mean for you, and we've added more detail on them below.

30 October 2024

Jars with money in saying 'tax' and 'pensions'

Pensions will be subject to Inheritance Tax (IHT) from April 2027, the Chancellor has announced, though the vast majority of estates will still not pay IHT despite the changes.

30 October 2024

Shop signs saying "Closing down. All stock must go."

Retailers and businesses struggling financially is a common news headline, be it about high-street shops or lesser-known brands. We explain YOUR rights when a company goes into what's called 'administration', and how to get your money back.

17 October 2024

New PPI legal action: Could you reclaim £1,000s?

A new 'no win, no fee' group legal claim – the biggest of its kind – has launched, aiming to recoup £18 BILLION in Payment Protection Insurance (PPI) premiums. It's free to join and, if successful, could be worth £1,000s to claimants – including some who've already been paid back mis-sold PPI. But that's not guaranteed and joining the 330,000+ people who've signed up isn't 100% risk-free. Here's what you need to know.

3 October 2024

Fixed-rate mortgage deals have gotten cheaper in recent weeks – but will this trend continue following the Bank of England's decision to hold the base rate at 5%? We've spoken to five mortgage brokers to see what they think is next for mortgage rates. Here's what they told us...

24 September 2024