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

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.

13 May 2026

12 May 2026

Older man smiling warmly as he is comforted by a relative

12 May 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.

12 May 2026

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.

6 May 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.

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 Yet worryingly, we've found that more than half of adults don't have a will, or have one that's out of date.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

5 May 2026

More than £140 million in overpaid tax is sitting in council coffers. Moved home since 1993? You could be owed £100+ of it. Even if you haven't, you might still be due. This guide explains how to check whether you're one of the 800,000 affected, and what steps to take to get the money back.

5 May 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.

5 May 2026

Guide about the severe mental impairment council tax discount

Hundreds of thousands of people considered to be 'severely mentally impaired' in England, Scotland and Wales could be missing out on a Council Tax discount worth £100s – and even backdated payments worth £1,000s. We've been raising awareness of this discount for years now, and many have successfully claimed. See if it can help you too.

5 May 2026

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.

29 April 2026

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

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