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 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

Wide view of houses in the Welsh village of Rhoose

30 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

Currently, interest rates on many five and 10-year fixes are not far off those of shorter deals – in some cases they're actually better. But should you be fixing your mortgage for this long? This guide takes you through what you need to consider.

8 September 2025

19 August 2025

Buying a property can be stressful, and isn't made easier by an estate agent saying you MUST use its recommended solicitor or mortgage broker. This dodgy practice is known as 'conditional selling' – it's against the law, can cost you more and even risk sales falling through, yet it's widespread. We show you what to look out for and how to avoid it.

4 August 2025

While only around 6% of estates are liable to pay Inheritance Tax, if you're likely to be one of them, there are ways to plan ahead to legally reduce the bill. This guide talks you through how you can use 'gifting' as a way to pass on some of your money while you're still alive – and the rules you need to know

23 July 2025

It's possible to pick up repossessed and distressed properties at 20% – and in some cases nearer to 30% – off the market price. If you're willing to put the renovation work in, these properties can represent some of the best buys available. This quick guide runs through how buying a repossession works, where to find bargain properties, using the top auction houses and more.

15 July 2025

If you're moving home you face the question of whether to take your existing mortgage with you or get a brand new deal – but the choice may not always be yours. This guide explains the process of porting a mortgage, whether you're likely to be able to do it and if it's the right option for you.

15 July 2025

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.

3 July 2025

First Homes scheme: how it works and who can apply.

Some first-time buyers in England could get up to a 50% discount off the price of a new-build home as part of the government's First Homes scheme. The First Home scheme is aimed at those who earn less than £80,000 a year (or £90,000 in London). Here we explain how the scheme works, and by how much it can reduce the cost of a new-build home.

1 July 2025