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

Green mortgages: how they work and who offers them

More than half of mortgage lenders offer what are known as 'green mortgages'. The idea is if you're moving into an energy-efficient home or making your property greener, your mortgage lender will reward you with a better interest rate or cashback. But we've found that green mortgages, while competitive, aren't normally the cheapest mortgages on the market.

4 December 2025

Someone writing 'kitchen' on a cardboard box.

It's just before you move home. You're frantically packing boxes, sorting final bills and booking removal vans. But what else do you need to know and do? Our moving home checklist is here to help, offering everything from moving day tips to ways to save on your new household bills. We've split our checklist into three parts: Part 1: Before moving day Part 2: On moving day Part 3: After moving day

4 December 2025

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 Yet worryingly, we've found that more than half of adults don't have a will, or have one that's out of date.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.

1 December 2025

A copy of the Autumn Budget 2025, in front of the Red Budget Box, a symbolic briefcase used by the Chancellor to carry the budget speech from Downing Street to the House of Commons

26 November 2025

A pink piggy bank shattered on a hardwood floor

26 November 2025

Losing your job can be a huge financial hit, affecting your ability to pay bills and keep afloat. Whether redundancy is long anticipated or comes out of the blue, it's an uncomfortable situation to be in. But there are ways you can protect yourself by planning ahead. This guide shows you how.

18 November 2025

Getting a mortgage can seem like climbing Everest, especially with high interest rates and the cost of living eating into your budget... but there are ways you can improve the odds. This guide has our 18 top tips on how to boost your chances of getting accepted for a cheaper mortgage deal.

17 November 2025

Buying a share of a property is one way of getting on to the housing ladder – a ladder increasingly hard to climb as property prices have soared. Yet while the concept of Shared Ownership seems straightforward, in practice it's often complicated and expensive. This guide sets out how the scheme works and what to look out for.

17 November 2025

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

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

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