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

Woman smiling with smartphone and credit card

11 November 2025

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.

11 November 2025

Millions of people use buy now, pay later firms such as Klarna and Clearpay when shopping online or in store. Managed correctly, they can be a cheap and quick way of accessing credit. But research shows many users aren't aware that if something goes wrong, you face late fees and, increasingly, marks on your credit file. This guide takes you through how buy now, pay later works and what to look out for.

11 November 2025

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.

28 October 2025

22 October 2025

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.

21 October 2025

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.

15 October 2025

Remortgaging is where you take out a new mortgage deal to replace another. The most common reason to remortgage is to save money – possibly because your current deal has finished and you've moved onto your lender's expensive Standard Variable Rate. However, this isn't the only reason to remortgage, as this guide shows.

13 October 2025

How to check and challenge your council tax band

Hundreds of thousands of homes across England and Scotland are thought to be in the wrong Council Tax band. This means it's important to check your property's in the right band – something our tried-and-tested system can help you do. Some homeowners and renters have unknowingly been overpaying Council Tax for many years, even decades, because their bands are too high, so payouts worth £1,000s are commonplace.

7 October 2025

It sounds daft. We're happy to stump up £100,000s to buy a leasehold property, yet someone else normally owns the land it stands on, the cost of extending the lease is potentially £10,000s, and the annual service charge might be very expensive too. Fortunately, in England and Wales, it's possible for leaseholders to buy their freehold or take over a building's management. This step-by-step guide shows you how.

3 October 2025

Getting the right mortgage or remortgage deal can save you £100s each month. Where you get it wrong, you can end up paying massively over the odds. In this step-by-step guide, we aim to show how to find the best mortgage deal for you, where to look for a good mortgage broker and other key info.

1 October 2025

Wide view of houses in the Welsh village of Rhoose

30 September 2025

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.

26 September 2025

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 could cut their bill. Read on to see who's eligible, how much you might save, and how to apply.

23 September 2025

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.

22 September 2025

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.

17 September 2025