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 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

Die without having made a will and you could be leaving behind significant financial problems for your loved ones. Yet worryingly, we've found that more than half of adults don't have a will, or have one that's out of date. Fortunately, there are low-cost will-writing options out there.

3 March 2026

A prepaid funeral plan lets you pay for your own funeral in advance, potentially saving your family stress and expense when you die. But while things like a coffin and burial/cremation fees are usually covered, plans often DON'T cover all funeral costs, so check what's included. Our guide helps you decide whether to get one.

3 March 2026

Inheritance Tax can cost loved ones £100,000s when you die, with it generating billions for HM Revenue & Customs every tax year. But in reality the vast majority of people (around 94%) don't have to pay a penny, while the few who do can legally reduce their bill. This guide runs through four Inheritance Tax need-to-knows.

3 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.

2 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

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.

24 February 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.

24 February 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.

20 February 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.

20 February 2026

19 February 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.

18 February 2026

Income and the size of your deposit – or the amount of equity you've already got – both have a fundamental impact on how much money a mortgage lender might let you borrow. Lenders also 'stress test' to see if you'd be able to keep up with repayments if interest rates went up, so you should be realistic about how much money you hope to borrow.

18 February 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.

17 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