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

If you're a homeowner, it's not just the bricks and mortar that keeps the roof over your head, but your ability to repay the mortgage. Falling behind on mortgage repayments means you're in arrears – something that puts you at risk of losing your home (known as 'repossession'). This guide looks at the urgent steps you need to take if you're in arrears.

7 January 2025

More than four million people in the UK are self-employed, equivalent to around 12% of the country's workforce. If you're one of them, getting a self-employed mortgage can be challenging and sometimes feels like you're being forced through extra hoops. This guide explains how to boost your chances of mortgage acceptance, what documentation to gather and how to narrow down the right deal for you.

7 January 2025

Many are struggling with much higher mortgage interest rates, worried about how they'll pay mortgage payments £100s more than what they've been paying. If you're anxious about how you'll make your mortgage payment, we've tips on how you can ease the pressure, including the Government's current support measures.

7 January 2025

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.

7 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

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

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

If you're married or in a civil partnership, getting a divorce can have a far-reaching impact on your finances. You'll need to work through how to best support any dependant children you have, as well considering how any assets will be split – including what happens to your your home, savings, pensions, inheritances, businesses and more.

29 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

Fixed-rate mortgage deals have gotten cheaper in recent weeks – and brokers say rates could still come down a bit more, despite the Bank of England's decision to hold the base rate at 5%. So what, if anything, should you do about it?

19 September 2024