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Entertainment May 23, 2026

Game of Thrones' Hannah Murray on Being Sectioned: 'I Am Not Concerned'

Game of Thrones actress Hannah Murray shares her experience of being sectioned in a psychiatric hos…
The LeadGame of Thrones actress Hannah Murray shares her experience of being sectioned in a psychiatric hospital in her new memoir "The Make-Believe: A Memoir of Magic and Madness." The actress describes her mental health journey and the experience of being involuntarily admitted under the Mental Health Act.The Hospital ExperienceThe door to the room opens. A man enters the room. He is a Black man, bald and overweight. He is dressed in uniform. Blue uniform, a blue lanyard that reads "NHS". But I know Steve, the leader of the organisation that introduced me to magic, is a magician. I know he can appear in disguise.I approach the man and try to kiss him.He does not let me kiss him. Then no. It is not Steve.The man has brought me a plate of toast. He has brought me a cup of tea. I add sugar to the tea, which I would never have done in my former life, but a spoonful of sugar helps the medicine go down!I am a Ritual Master. And this, drinking my own urine, is a powerful ritual. This is all I need now to survive … I will never need to eat again. I survive on liquids and air and lightI do not eat the toast. I drink the tea. I am alone in the room again and I urinate into the cup and drink that too.I am a Ritual Master. And this, drinking my own urine, is a powerful ritual. This is all I need now to survive. It is the most potent of potions I can drink. I am a self-contained, utterly self-sufficient being. I will never need to eat again. I survive on liquids and air and light.I decide to explore outside the room. Outside my sanctuary. He has not come. So maybe I need to go searching for him …The Phone CallTime jumps. I am in a corridor lit by overhead strip lights. The electric light is pale yellow in tone. I am sat on one of three chairs in a row against the wall. The chairs are purple, curved plastic. I am still waiting for him to appear.There are two doors in front of me. One is the door to the blue room with the blue sofa and chair. Behind the other door is an office of some kind, and there is a woman in there, shuffling papers and talking on the phone.The woman comes out of the office. She is holding out my phone. My only possession now – the one artefact from my previous life. There is someone she wants me to speak to.Him.When I hold the phone to my ear, I hear a voice I recognise.But the voice belongs to my mother."Hannah?" she says. "Where are you? What's going on?"There is distress in her voice. Her voice is trembling with pain and anxiety.I do not want to hear it.This is a test. A horrible test, certainly, but one that I can pass. They are trying to tempt me back into the human. They are trying to lure me back into the past.I hang up the phone.But, after a moment, it starts to ring. The word Mum lights up the screen."Talk to her," says the woman.I answer the call.My mother sounds different now. Calmer. She asks again what's going on but gently, even cheerfully. I tell her everything's OK. That I'm fine. I tell her not to worry. I'm in a good place.This is the last time I will ever hear her voice, I think. This is the way I say goodbye.The DiagnosisThey tell me I am being sectioned.The words jar with my beliefs."Section 2 … the Mental Health Act … 28 days … right to appeal … "I cock my head.This does not fit at all. It does not fit in the world of Steve, of Ritual Master, of Shambhala and the invention of magic.I am not concerned. I am concerned only with the energy I can feel spiralling up through my body and the voices I can hear in my head.I pace the hospital corridors, delivering a tearful monologue, delivering the greatest performance of my life. A phrase comes to me. The Girl With All the Gifts. The title of a post-apocalyptic horror film released in 2016, starring Gemma Arterton.I am a magician. I am an actress. I am a writer. I have superhuman strength. I can fly. Anything that can be imagined, I can perform it. Every skill and every ability is mine.The film came out as a warning, and a prophecy.And because of me, the apocalypse has been averted.I am the saviour of the planet. I am the girl with all the gifts.The Journey to RecoveryIt was very hard, the journey to get here. It took 27 years. The path was twisting and full of setbacks, there were challenges and so much pain. There were times I wanted to give up. It was very hard. Everyone will have to make their own journey, and their journeys will be their own, unique as snowflakes or fingerprints. That is the beauty of it, the joy of it. Everyone has to figure it out for themselves.But I have laid the groundwork. I have walked the path. It starts with the energy healing, and it goes on and on through the seven dimensions, through increasingly magical planes. It goes on and on until you meet your soulmate, like I met mine.I was in a TV show called Game of Thrones, hidden in plain sight in the midst of a cultural phenomenon. I, the key to the world's salvation, wore the face of a character called Gilly, but really I played every role. Then I worked on a film called Detroit in Boston. David Benioff and Dan Weiss and Kathryn Bigelow were the four horsemen of the apocalypse. Numbers are irrelevant. Three counts as four. David and Dan and Kathryn cast me in the roles that brought about my destiny. The end and beginning of the world.I am the Ur-actress. I am every actress. Every performance ever given has been animated by my energy, my talent, by the gestures and facial expressions I am performing here and now.The Memoir and BeyondThis is an edited extract from The Make-Believe: A Memoir of Magic and Madness by Hannah Murray, published by Cornerstone (£18.99). To support the Guardian, order your copy at guardianbookshop.com. Delivery charges may apply.Hannah Murray will be in conversation with Jessie Cave at Kings Place in London on 5 June.
#Hannah Murray #Game of Thrones #Mental Health
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Lifestyle May 23, 2026

Authors Share Books to Reignite Your Love for Reading

Notable authors and public figures share their book recommendations to help readers rediscover the …
The LeadIn an era of digital distractions, renowned authors and public figures have come together to share their most compelling book recommendations, aiming to reignite readers' passion for literature. From Nobel laureates to best-selling authors, these selections offer diverse perspectives and captivating stories designed to rekindle the joy of reading.The Literary SelectionsMalala Yousafzai, the activist and Nobel laureate, recommends Enter Ghost by Isabella Hammad. This British-Palestinian novel follows an actor who travels to the West Bank and becomes involved in a local production of Hamlet. Yousafzai was particularly moved by the rehearsal scenes that explore "arguments over translations, personal relationships, the question of whether a performance is even possible under Israeli occupation." She believes Hammad demonstrates that "theatre is capable of carrying weight that other art forms cannot hold."David Miliband, CEO of the International Rescue Committee, suggests Free: Coming of Age at the End of History by Lea Ypi. This memoir chronicles growing up in Albania, the last Stalinist country in Europe. Miliband describes the book as "at once hilarious and serious, appalling in its description of the lies and tentacles of the regime of Enver Hoxha and touching in its humanity." He notes that the author's journey from "Young Pioneer" in the Albanian Communist party to professor in the UK makes the book "more than a work of memory or history. It is also an engagement with the challenges of the present."Katherine Rundell, acclaimed author, enthusiastically recommends Luke Kennard's Black Bag. She admits to laughing "aloud dozens and dozens of times" while reading this novel about a young actor who takes a job dressing in a black bag during psychology lectures to gauge students' reactions to strangeness. Based on a real 1967 experiment, Rundell praises its "brilliant" and "inventive originality," calling it "a triumph of a book" that is "very powerfully worth your time."Jack Thorne, screenwriter, revisits Susan Cooper's classic The Dark Is Rising. As someone who identifies as "quite a weird kid," Thorne found that the book "found that weirdness and twisted it." He's holding off sharing it with his 10-year-old until the "perfect age" of 11, praising its exploration of "the battle between the Dark and the Light" that "weaves myth and history into a glorious concoction that uses language as a weapon."Margaret Busby, publisher and president of English PEN, recommends CLR James's The Black Jacobins: Toussaint L'Ouverture and the San Domingo Revolution. First published in 1938, this historical work documents "the only successful revolt of the enslaved in history." Busby, who had a personal connection to the author (her father was James's friend from schooldays in Trinidad), calls it an "uplifting example of how the personal and political connect" and notes its continuing relevance as "a defiant call to resisting oppression."The Reader ImpactThese diverse recommendations offer readers a pathway back to literary engagement by providing books that are not only entertaining but also intellectually stimulating. Each selection offers a unique perspective that can challenge readers' thinking while providing the pleasure of immersive storytelling. The variety of genres and styles represented ensures that there's something for every type of reader, whether they prefer contemporary fiction, historical accounts, or fantasy.The Cultural SignificanceIn an increasingly fragmented media landscape, these recommendations highlight the enduring power of books to connect us to different experiences and perspectives. The selections reflect both timeless themes and contemporary concerns, demonstrating how literature continues to evolve while addressing fundamental human questions. The fact that these recommendations come from diverse figures—activists, politicians, writers, and scholars—underscores the broad cultural relevance of reading across different professions and backgrounds.The Future of ReadingAs digital distractions continue to compete for our attention, curated recommendations from trusted voices may become increasingly important in guiding readers back to literature. These selections suggest a trend toward books that offer both entertainment and substance—works that can make us laugh while making us think. The enduring appeal of physical books, as evidenced by the care taken in describing these specific editions, indicates that despite digital alternatives, many readers still value the tangible experience of reading a well-crafted book.
#Malala Yousafzai #David Miliband #Katherine Rundell
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Lifestyle May 23, 2026

How Kristen Stewart's Heist Movie Inspired Me to Leave Engineering for Oil Rigs

A woman shares how Kristen Stewart's heist movie 'Catch That Kid' inspired her to pursue a life of …
The Unlikely Inspiration A family comedy starring Kristen Stewart and Corbin Bleu sparked a thirst for adventure in a young girl, leading her to pursue a life she never thought possible. A Life-Changing Film The 2004 film 'Catch That Kid' tells the story of three kids who rob a bank to pay for Stewart's father's expensive surgery. The film's successful heist and the trio's escape on go-karts left a lasting impression on the young girl. A Journey of Self-Discovery The girl's fascination with the film led her to declare that she would become the first black, female, Muslim Formula One driver. Although she couldn't afford to pursue this dream, she studied mechanical engineering and eventually landed a job on a remote oil rig. The Allure of Oil Rigs The woman was drawn to the adventure and technical challenges of working on oil rigs. She worked as a measurement while drilling (MWD) specialist and drilling engineer, often in demanding conditions. A New Chapter Although she eventually left the oil rigs to become a writer, she remains grateful to Kristen Stewart and her co-stars for inspiring her to take a path she never would have considered otherwise.
#Kristen Stewart #The Guardian #Oil Rigs
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Politics May 23, 2026

Iran-US Diplomacy at Critical Juncture as Major Obstacles Persist

As the Iran conflict approaches day 85, diplomatic efforts intensify with Pakistan mediating betwee…
The Diplomatic Standoff in Tehran Pakistan's powerful army chief, Field Marshal Asim Munir, arrived in Tehran on Friday as diplomatic efforts to broker a peace agreement between Iran and the United States intensified. Pakistani officials are reportedly playing a growing mediation role as regional powers push to prevent a wider conflict. But Iranian officials have tempered expectations for a quick breakthrough. Iran's Foreign Ministry spokesperson said differences in the mediated talks between Tehran and Washington remain "deep and significant", signalling that major obstacles still stand in the way of a formal agreement. Meanwhile, outrage is growing over Israel's treatment of Gaza aid flotilla activists after organisers of the Global Sumud Flotilla said at least 15 detainees reported incidents of sexual assault, including rape, following their seizure by Israeli forces in international waters. The allegations have added to mounting international scrutiny over Israel's handling of pro-Palestinian activists and detainees. Iran's Strategic Position on Hormuz Hormuz 'security service': Iran said fees and tolls linked to transit through the Strait of Hormuz are part of a "security service" provided to vessels crossing the strategic waterway, as Tehran rejects US threats of escalation and asserts control over the strait under what it calls a "new reality". Iranian officials say more than 30 vessels passed through the Strait of Hormuz in coordination with the Islamic Revolutionary Guard Corps navy over the past day. War halt 'essential': An Iranian official said stopping the war "on all fronts" is a necessary condition for any future negotiations with the US, while stressing that no final agreement has yet been reached despite ongoing efforts to bridge differences between Tehran and Washington. The source added that a positive diplomatic atmosphere alone is "not enough" to secure a deal. The Decisive Stage of Diplomacy 'Turning point': Iran said intensive diplomacy with the US has reached a "decisive" stage, with Foreign Ministry spokesman Esmaeil Baghaei citing the presence of senior Pakistani officials in Tehran as part of efforts to secure a peace agreement. He said Iran would not publicly discuss details of nuclear negotiations after past talks "led us into war", while reiterating Tehran's right to pursue peaceful nuclear energy. Sanctions not a priority: An Iranian official says ending the war, lifting the US blockade and ensuring stability in the Strait of Hormuz remain Tehran's main priorities in ongoing peace talks, while stressing that lifting sanctions on oil exports and releasing frozen assets are "not details for us". The official also praised Qatar's role in supporting Pakistani-led mediation efforts. UN push on Hormuz: France has drafted a United Nations Security Council resolution proposing an international mission to restore shipping through the Strait of Hormuz, as a competing US-Bahraini proposal faces resistance from Russia and China, which have signalled they may veto the measure. The dispute over control of the strategic waterway has become a key obstacle in efforts to end the US-Israeli war on Iran amid rising oil prices and shipping disruptions. US Position and Domestic Pressures Diplomatic efforts continue: The US said "some progress" has been made in talks with Iran, though major differences remain over Tehran's enriched uranium programme and control of the Strait of Hormuz. Pakistan and Qatar step up mediation efforts in Tehran as Secretary of State Marco Rubio warns Washington still has "other options" if diplomacy fails. Domestic pressure grows: Jason Campbell of the Middle East Institute said President Donald Trump is facing mounting pressure to de-escalate the war with Iran as oil prices rise and US midterm elections approach, despite Trump insisting the conflict "will be over soon". Campbell said Tehran believes it can withstand prolonged economic and security pressure, while "time is not a neutral factor" for the White House. Escalating Regional Conflicts US sanctions in Lebanon: Washington has imposed sanctions on nine individuals in Lebanon, including two military officers accused of links to Hezbollah, even as the US continues to mediate talks between Lebanese and Israeli officials. Deadly strikes in Lebanon: Israeli attacks across southern Lebanon have killed at least 11 people, including several healthcare workers and paramedics, in the latest violence to test the fragile US-mediated ceasefire between Israel and Lebanon. The strikes hit multiple locations in the Tyre district, including Deir Qanoun en-Nahr, Hannaouiyah and Nabatieh, as Israel says it will continue targeting Hezbollah despite the truce. Lebanon economy strained by war: Business owners in Lebanon said the wars involving Israel, Hezbollah and Iran are deepening the country's economic crisis, with rising fuel and supply costs driving inflation higher and hurting livelihoods. In Beirut, barber Mario Habib says soaring generator, petrol and product costs have reduced business, as economists warn Lebanon's fragile recovery could stall if the conflict continues. Hamas accuses Israel of seeking Palestinian displacement: Senior Hamas official Osama Hamdan said Israel's war on Gaza aims to "end the Palestinian presence" in the territory rather than merely occupy it, rejecting calls for Hamas to disarm and warning that Palestinians would continue to resist what he described as efforts to force them from their land.
#Iran #United States #Pakistan
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Economy May 23, 2026

The pothole puzzle: the bumpy ride to fixing Britain's broken roads

Britain faces a growing crisis with its deteriorating road infrastructure, as potholes continue to …
The LeadBritain's roads are in a state of crisis, with potholes becoming an increasingly common and dangerous problem for motorists across the country. The annual battle against road damage has become a symbol of wider infrastructure challenges facing the nation, as local authorities grapple with limited budgets, aging infrastructure, and the increasing pressures of climate change on road surfaces.The Scale of the ProblemRecent data reveals the extent of Britain's pothole crisis. Local authorities in England and Wales filled nearly 1.7 million potholes in 2024 alone, yet the problem continues to grow. The Road Surface Treatments Association estimates that it would take over a decade to clear the current backlog of road repairs at current funding levels. This represents a significant challenge for both urban and rural communities, with some areas reporting increases in pothole-related accidents and vehicle damage.Funding ChallengesThe financial constraints facing road maintenance are substantial. Since 2010, local authority funding for road maintenance has decreased by over 40% in real terms, while the number of miles of road has increased. The government's recent announcement of additional funding for road repairs has been welcomed by local authorities, but many argue it falls far short of what is needed to address the systemic issues. The complex funding landscape, with responsibilities split between central government, local councils, and private utilities, creates additional bureaucratic hurdles for effective road maintenance.Technical Solutions and InnovationIn response to the growing crisis, engineers and local authorities are exploring innovative solutions to create more durable road surfaces. New materials, including recycled plastics and modified asphalt formulations, promise longer-lasting repairs. Smart road technologies that can detect early signs of deterioration are also being piloted in several areas. However, the high initial costs of these technologies and the need for specialized training present barriers to widespread adoption.Impact on Communities and BusinessesThe consequences of poor road conditions extend beyond mere inconvenience. Potholes contribute to increased vehicle maintenance costs, with UK motorists spending an estimated £2.8 billion annually on repairs related to road damage. Commercial vehicles face particularly significant challenges, with increased fuel consumption, higher maintenance costs, and delivery delays all impacting business operations. Rural communities, often dependent on road transport for both goods and services, are disproportionately affected by poor road conditions.Future OutlookAddressing Britain's pothole crisis will require a multi-faceted approach combining increased funding, technological innovation, and more strategic planning. The government's upcoming National Infrastructure Strategy will be crucial in setting priorities for the coming decade. There is growing consensus that a shift from reactive repairs to proactive maintenance will be essential to break the cycle of deterioration. As climate change brings more extreme weather conditions, the resilience of road surfaces will become an increasingly important consideration in infrastructure planning.
#UK Infrastructure #Road Maintenance #Potholes
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Politics May 23, 2026

Hybrid Village Stores: Germany's Rural Lifeline Against Far-Right Influence

Germany's rural regions are implementing hybrid village stores that operate 24/7 with reduced staff…
The Rural Revival Initiative Once upon a time, every German village had its own Tante Emma laden (Aunt Emma shop), a family-run hub of community life where local people bought their groceries at affordable prices and socialized with their neighbors. These traditional village stores have faced significant challenges in recent years, including staffing shortages, competition from supermarket chains, and rising inflation exacerbated by geopolitical tensions like the Iran war. The Hybrid Solution In response to these challenges, governments in several German regions have introduced innovative solutions. In Rhineland-Palatinate, where the far-right Alternative für Deutschland (AfD) achieved nearly 20% in a recent state election—a record in a west German region—officials are implementing hybrid village stores. These retrofitted existing businesses allow villagers over 18 to shop autonomously during off-hours using electronic fobs or cards, enabling 24/7 access with reduced labor costs. Community Impact and Economic Viability The hybrid model addresses multiple challenges simultaneously. By operating continuously with lower staffing requirements, these shops can generate more revenue and remain economically viable. Irmtraut Ehtechame, 68, manager of a hybrid village store in Seibersbach, explained how her business was on the brink of closure before adopting this model: "I had written a cry for help that our shop wasn't going to make it because we kept slipping into the red, between energy price hikes from the Ukraine war and the minimum wage increase." Political Implications The decline of village stores is increasingly viewed as a contributing factor to rural disaffection that has driven voters toward political extremes. The AfD's significant gains in Rhineland-Palatinate have prompted officials to address the underlying issues in rural communities. Volker Bulitta, who leads an advisory program sponsored by the Rhineland-Palatinate government, emphasizes that stores like Seibersbach's would not survive without state aid in remote areas where online deliveries aren't feasible. Community Resilience The hybrid stores have become more than just retail spaces—they've revitalized community connections. Frank Wilhelm, a retired auto mechanic, appreciates both the convenience and the social aspect: "I still prefer to shop here when it's staffed and see the ladies," he said, referring to Ehtechame and her team. Groups like the "robust retirees" in Seibersbach have organized to help elderly neighbors with deliveries and maintain community spaces, demonstrating how these stores serve as anchors for rural social life. Future Outlook The hybrid village store model represents a potential blueprint for preserving community infrastructure in economically challenged rural areas. With initial investments typically ranging between €30,000 and €50,000 per store, the program offers a cost-effective approach to maintaining essential services while potentially mitigating the political polarization that has taken root in Germany's countryside. As similar models are considered in other regions, the success of these hybrid stores could determine the future of rural community life across Europe.
#Germany #Rural Communities #Alternative für Deutschland
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Business May 23, 2026

UK Toy Recall: Five Asbestos‑Contaminated Products Found on Shelves

Five sand‑based children’s toys sold in Britain have been found to contain asbestos fibres, prompti…
Executive Summary: Asbestos Detected in Five UK‑Sold ToysFive children’s toys currently available in Britain have been found to contain asbestos fibres, according to laboratory tests commissioned by The Guardian. The discovery follows a wave of recalls that began in January 2026 after asbestos was identified in play sand.Laboratory Findings Reveal Widespread Asbestos in Sand‑Based ToysScientists at Brunel University’s Experimental Techniques Centre analysed six sand‑based products that were still on sale. Five of them tested positive for asbestos fibres.Fun Sand, Sand Art Bottle – HTI Group, sold via Curious MindsGlitter & Glow, Magical Sand Art – KandyToys, listed on GlowtopiaSand Filled Weirdo – Amazon marketplaceWordpad Montessori Sand Tray – Amazon marketplace4 Pack Stretchy Gorilla Toy – Amazon marketplaceBrunel’s lead scientific officer Ashley Howkins warned that “although the risk to health is small because the quantities of asbestos are small, there is still a risk,” especially for younger children.Scale of the Recall: Numbers and Brands AffectedMore than 30 toys have been withdrawn since the January 2026 sand‑sand recall.Five additional products identified in this round, representing three different retailers.Amazon has already removed the Weirdo and sand tray from its European stores and is investigating the gorilla toys.Curious Minds issued a recall notice and refunds within an hour of notification; Glowtopia pledged to remove the affected sand art and await guidance from KandyToys.Regulatory Gaps Exposed by Post‑Brexit Product Safety FrameworkThe incident highlights weaknesses in the UK’s reliance on self‑reporting and the fragmented safety regime across Europe. Products recalled in the Netherlands remain available in the UK, and the European Commission’s Safety Gate portal provides only a partial overview.UK product‑safety minister Kate Dearden acknowledged the concern and noted that new powers are being consulted to strengthen online safety and enforce stricter testing before products reach the market.What’s Next: Strengthening Oversight and Consumer GuidanceAuthorities plan to:Introduce mandatory independent verification for imported toys.Expand the scope of the UK’s product‑safety powers to allow pre‑emptive bans.Improve cross‑border information sharing with EU regulators.Advise consumers to seal contaminated items in double bags and seek local council disposal instructions.Continued monitoring and tighter regulation are expected to reduce the likelihood of asbestos‑containing toys re‑entering UK shelves.
#Brunel University #Amazon #Curious Minds
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Sports May 23, 2026

Gilgeous-Alexander Powers Thunder to 2-1 Series Lead Over Spurs

The Oklahoma City Thunder overcame a 15‑point early surge by the San Antonio Spurs to win 123‑108, …
The Oklahoma City Thunder rallied from a 15‑point early deficit to defeat the San Antonio Spurs 123‑108 on Friday, giving them a 2‑1 lead in the Western Conference Finals. Shai Gilgeous‑Alexander's 26‑Point Performance Secures Thunder's Road Victory Shai Gilgeous‑Alexander scored 26 points, anchoring a comeback after the Spurs opened with a 15‑0 run. The Thunder steadied the game with a 31‑29 lead early in the second quarter and took control at halftime, leading 58‑51. Bench scorer Jared McCain added 24 points, and Jaylin Williams hit five three‑pointers for an 18‑point contribution. The Spurs’ early burst faded as Oklahoma City’s poise, praised by coach Mark Daigneault, turned the tide. Stat Sheet: Scoring Breakdown and Bench Contributions Final Score: Thunder 123, Spurs 108 Series Lead: Thunder 2‑1 Gilgeous‑Alexander: 26 points Jared McCain: 24 points (bench) Jaylin Williams: 5 three‑pointers, 18 points Ajay Mitchell: 10 points (second quarter) Alex Caruso: 10 points (second quarter) Victor Wembanyama: 26 points (Spurs) Devin Vassell: 20 points (Spurs) Series Momentum Shifts: What the Win Means for the Western Conference Finals The Thunder’s ability to absorb a 15‑point blitz and respond with balanced scoring demonstrates depth that the Spurs lacked after their fast start. Coach Daigneault highlighted the team’s “poise” and bench lift, suggesting Oklahoma City can sustain pressure over a 48‑minute game. Conversely, Spurs coach Mitch Johnson admitted the early intensity was unsustainable, indicating a need for adjustments. Looking Ahead: What to Expect in Game Four in San Antonio Game four returns to San Antonio on Sunday. The Spurs must replicate their opening burst while containing the Thunder’s bench firepower. For Oklahoma City, maintaining defensive discipline and leveraging the momentum from their road win will be crucial to extending the series lead.
#Shai Gilgeous-Alexander #Oklahoma City Thunder #San Antonio Spurs
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Economy May 23, 2026

Tracker Mortgages Resurge as Rate Outlook Shifts in the UK

Tracker mortgages are back in the UK market as fixed‑rate deals become relatively expensive amid hi…
Tracker Mortgages Resurge Amid Rate Uncertainty After a period of dominance by fixed‑rate products, tracker mortgages are seeing a renewed surge in applications. Brokers report that April applications were more than three times March’s volume, signalling that borrowers are reconsidering a loan whose interest moves with the Bank of England base rate. Rate Comparisons Show Trackers Cheaper Than Fixed Deals Bank of England base rate: 3.75% (held steady at the end of April). Worst‑case scenario: base rate could climb to about 5.25% by early 2027. Cheapest two‑year fixed rate: around 4.55%. Cheapest two‑year tracker rate: about 3.96%. Monthly cost on a £250,000, 20‑year mortgage – fixed: £1,588; tracker: £1,510 (≈£78 cheaper). Typical arrangement fees for trackers: £900‑£1,000; some deals (e.g., Halifax) add a £1,499 product fee. What the Tracker Revival Means for UK Borrowers and Lenders Trackers offer flexibility: many have no early repayment charge, allowing borrowers to switch to a fixed deal if rates fall or if a better fixed offer appears. Lenders such as Halifax and Nationwide currently provide fee‑free tracker products, while others like NatWest may impose charges. However, the upside comes with risk. If the base rate follows the Bank’s worst‑case path, a tracker could rise to roughly 5.46%, erasing the monthly saving and leaving borrowers exposed to higher payments. Future Outlook: Rate Movements and Mortgage Strategy Analysts suggest that the trajectory of the base rate will hinge on the resolution of the Iran conflict and its impact on oil‑driven inflation. If inflation eases, the Bank may keep rates at 3.75% for the remainder of the year; otherwise, incremental 25‑basis‑point hikes are likely. Borrowers with strong cash cushions and the ability to absorb a few rate increases may find trackers attractive as a short‑term holding position. Those with tighter budgets or low risk tolerance are advised to lock in a fixed rate for certainty. In the longer term, the mortgage market could see a more balanced mix of products, with lenders adjusting early‑repayment charge policies and fee structures to remain competitive as borrowers navigate an uncertain rate environment.
#Tracker Mortgages #Bank of England #John Charcol
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