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

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.

23 April 2026

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.

21 April 2026

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.

21 April 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.

21 April 2026

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.

13 April 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.

13 April 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.

10 April 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.

10 April 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.

8 April 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.

6 April 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.

6 April 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.

1 April 2026

25 March 2026

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.

24 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.

23 March 2026

Remortgaging – getting a new mortgage deal to replace your current one – requires preparation and effort. But taking the time to get the right deal can help you save £1,000s in the long run, especially while interest rates are high. Read our guide for a number of tips explaining how to get remortgage ready.

17 March 2026