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 struggling to meet your monthly repayments, mortgage charter help lets you temporarily switch to interest-only payments or extend your mortgage term – without it impacting your credit file. Here we take a deep dive in to both options, plus we've a mortgage help calculator which lets you work out how much each could save you.

13 May 2025

Getting a new mortgage deal doesn't have to mean switching lender. If you prefer, you can get a new deal from your current lender – known as a 'product transfer'. In fact, this route can often be quicker, easier and possibly cheaper than switching lender. Check if a product transfer could save you £1,000s by following our four simple steps.

13 May 2025

Three wooden houses on a table with a wooden % sign next to them.

Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the base rate. But will fixed rates move much further – and should you fix now or wait?

6 May 2025

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.

25 April 2025

Inheriting a pension: what happens and is there tax to pay?

A pension can often be passed on if there's money left in it at the time of your death. In some cases, pensions can even be inherited tax-free – though this will depend on a number of factors. This guide explains the types of pensions that can be passed on, and whether you're likely to need to pay tax if you're inheriting pension savings.

22 April 2025

Under the Right to Buy scheme, some council and housing association tenants have the opportunity to buy their property at a discounted price. This guide explains how the Right to Buy scheme works, who can take part and what size discount you can get.

9 April 2025

Council Tax bills will rise for millions of households from 1 April, with most local authorities in England preparing increases of 5% – adding around £109 to a typical band D bill. In Scotland, most councils are planning rises of at least 8%, while in Wales bills will go up by between 4.5% and 9.5%.

18 March 2025

I'm a mortgage prisoner – what can I do?

Mortgage prisoners are homeowners who typically took out a mortgage before 2008, when lending rules were more relaxed. They're now trapped on pricey mortgage deals unable to switch to cheaper ones, mainly because they don't pass current strict affordability tests. With some paying interest rates as high as 9%, the picture is bleak. This guide has things to try if you can't easily switch mortgage.

28 February 2025

Scale model of a house balancing precariously on a wooden block tower

Mortgage prisoners stuck paying extortionate interest rates have described their fears after it emerged their loans were being transferred to yet another inactive lender – this time with just days' notice.

25 February 2025

Row of brick semis with cars parked on the driveways

Interest rates on fixed mortgage deals have fallen below 4% for the first time since November 2024 – but will rates come down further? We've spoken to four mortgage brokers to see what they think – and whether you should fix.

18 February 2025

Since 2020 MSE Kit has discovered a hobby that's helped him keep fit, learn things, make new friends and spend more time outdoors. And considering all these benefits, this hobby costs him relatively little.

27 January 2025

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.

7 January 2025

Separating might mean you're no longer romantically linked with your partner, but if there's a joint mortgage with both your names on it then you're still financially linked. Fail to keep up with repayments of a joint mortgage, and there could be serious knock-on effects for both of you. This guide explains what you need to know.

7 January 2025

Homeowners use equity release to unlock billions in cash from property each year. But if that's you and you've got a 'lifetime mortgage' charging an interest rate higher than what's available today, it might be possible to save £10,000s by switching to a better deal. This guide will help you figure out if you can save – and show you how to go about doing it.

7 January 2025

Sometimes the task of selling your house can feel as big as the property itself. There's a lot to consider, not just the price you want get for it. In this guide, we've got 19 top tips – roughly in chronological order – covering everything from valuing your home and comparing estate agents, to removals and energy performance certificates, which'll hopefully make selling as stress-free as possible.

7 January 2025

Interest-only mortgages are far less common than they used to be – currently making up just 10% of all mortgages. They're also much harder to be accepted for, so if you're considering one, it's important to understand how they work. This guide talks you through what they are, who can apply for one – and what to do if you've already got an interest-only mortgage that needs paying off.

7 January 2025