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The conflict in the Middle East is having far-reaching effects beyond the region, impacting UK mortgage rates and consumer confidence. In response to surging oil prices and inflation fears, lenders have pulled hundreds of mortgage products, replacing them with more expensive deals.According to Halifax, average UK house prices fell by 0.5% in March, with demand affected by higher mortgage rates. The Guardian wants to hear from individuals who have lost mortgage deals or been affected by rising interest rates.Share your experience by completing a short form or messaging the Guardian on WhatsApp at +447766780300. Responses can be anonymous, and submissions will be kept secure.The Guardian is seeking stories from people who have:Lost recent mortgage dealsBeen affected by rising interest ratesChanged housing plans due to the current economic climateAll submissions will be reviewed and potentially published, with the option to remain anonymous.

Bath Rugby has secured a spot in the Champions Cup semi-finals for the first time in 20 years with a stunning comeback against Northampton Saints. The match was an 11-try epic, with Bath ultimately prevailing thanks to a 76th-minute try by replacement forward Ted Hill.The game was a thrilling contest from start to finish, with Northampton Saints dominating early on. They scored five tries in the first half-hour, including scores from Henry Pollock, Archie McParland, Fraser Dingwall, Tom Lockett, and Josh Kemeny. However, Bath refused to give up, and their renowned forward strength eventually tipped the scales in their favor.Alfie Barbeary and Thomas du Toit were among the key figures for Bath, who came roaring back to trail by only 38-33 with 20 minutes left. The visitors were temporarily down to 14 players during this period, which Bath capitalized on.The match was a grand advert for the English club game, with both teams showcasing their skills and determination. Bath's coach, Johann van Graan, marveled at his side's dramatic fightback, saying, 'I have been in rugby for a long time and this ranks as one of the best I have been involved in.' Northampton Saints' director of rugby, Phil Dowson, was frustrated with the loss, stating, 'It was obviously a good game of rugby but it’s frustrating to be on the wrong side of it.' The win sets up a semi-final clash for Bath against the winners of the all-French tie between Bordeaux and Toulouse.

Real Madrid's struggles continued as they were held to a 1-1 draw at home by Girona in La Liga on Friday, extending their winless run to three games in all competitions. This result gives leaders Barcelona the chance to stretch their advantage at the top of the table to nine points, with a game in hand against Espanyol on Saturday.Federico Valverde put Madrid ahead six minutes after half-time, but Girona levelled in the 62nd minute through Thomas Lemar. Despite dominating possession, Madrid lacked composure going forward, allowing Girona to secure a valuable point and move up to 12th in the league.The draw has significant implications for the title race, with Madrid now six points behind Barcelona. The hosts' fans expressed their frustration with the team's performance, jeering their players as they left the field.In other European matches, Marseille reclaimed third place in Ligue 1 with a 3-1 win over Metz, while Roma boosted their Champions League hopes with a 3-0 victory over Pisa, thanks to a hat-trick from Donyell Malen.

Starbucks's UK retail arm secured a significant £13.7m corporation tax credit last year, even as it reported a 6% increase in sales to £556.3m and added over 90 new stores, bringing its total to 1,304. The tax credit, which can be used to offset future tax bills, follows losses widening to £41.3m in the 12 months to September.The company's financial performance was impacted by £40m in royalty and licence fees paid to its parent company, Starbucks Emea. These fees, which are paid to a UK-based entity that collects similar fees from across Europe, the Middle East, and Africa, significantly contributed to the losses.Despite the losses, Starbucks UK's sales growth was driven by price increases, new loyalty schemes, and the introduction of “freshly baked in-store food”. The company also shifted its workforce towards full-time staff, reducing overall staff numbers by 244 to 5,352.Critics, such as the Fair Tax Foundation, argue that this situation highlights a recurring issue where large corporations like Starbucks use complex financial structures to minimize their tax liabilities. “This all feels so very Groundhog Day,” said Paul Monaghan, chief executive of the Fair Tax Foundation. “As per a decade ago, Starbucks UK reports annual growth in income and store numbers, whilst at the same time declaring a loss due to the payment of hefty royalty fees to other Starbucks subsidiaries. The end result, no corporation tax is paid.”In response, a Starbucks spokesperson emphasized the company's commitment to paying all taxes due, stating that it “manages its global tax responsibilities in keeping with its mission and values.”The company's financial challenges are expected to continue, with Starbucks UK citing a “challenging consumer environment” characterized by inflationary pressures, reduced discretionary spending, and increased competition. The company has received financial support from its parent group, including £30m in cash to keep the business afloat and a further £60m in February.

Brandon Holtz, a 39-year-old real estate broker from Illinois, has achieved an incredible feat by qualifying for the Masters tournament as an amateur golfer. Ranked 3,262 in the world amateur golf rankings, Holtz secured his spot by winning the US Mid-Am, a route into the Masters for amateur players aged 25 and over.Holtz's journey to the Masters is an unlikely one. He didn't play golf at college, instead being on a basketball scholarship at Illinois State. He only took up golf seriously after finishing college, spending his early 20s on the mini tour trying to make it as a pro. However, it cost him more than he won, and he eventually paid $200 to the US Golf Association to have his amateur status reinstated in 2024.His background in elite college basketball has proven to be more helpful than his short time on the Hooters Tour. As a shooter, Holtz was able to perform under pressure, a skill that suited him well in the Mid-Am, a matchplay event. He won it with his driver, which he says is the best club in his bag.Despite struggling in his first round with a score of 81, Holtz remains optimistic. 'This is a dream come true really,' he said. 'The experience as a whole is incredible. It was definitely not what I wanted to do on the golf course today, but I had a lot of fun.'Holtz's story is an inspiration to many, showing that it's never too late to pursue your dreams. As he said, 'I'm 39, chasing a dream and here we are.'

Amazon's highly anticipated satellite internet service, Leo, is expected to go live in mid-2026, according to CEO Andy Jassy. The company has been working on the project, originally conceived as Project Kuiper in 2019, and has secured revenue commitments from enterprises and governments for the scheme.Leo currently has 200 low-orbit satellites in space, with plans to launch a few thousand more in the coming years. While this puts Amazon on track to become the second commercial satellite presence in space, it still lags behind SpaceX's Starlink, which has nearly 10,000 satellites in space and aims to have as many as 42,000 operational in the future.Jassy emphasized that Leo will seamlessly integrate with Amazon Web Services (AWS) to enable enterprises and governments to move data back and forth for storage, analytics, and AI. Additionally, Delta Air Lines has partnered with Leo to provide onboard WiFi for its planes, starting with 500 planes in 2028.Despite being behind rivals such as Starlink and OneWeb, Amazon's efforts have been hindered by relying on competitors' rockets for launches. However, plans have been announced for Blue Origin, owned by Jeff Bezos, to take primary responsibility for launching Leo satellites from 2027 onwards.The rivalry between Amazon and SpaceX is expected to shape the commercial space industry in the coming decades, with both companies interested in setting up datacentres in orbit and normalizing commercial space travel.

York City, affectionately known as the Minstermen, are on the cusp of achieving a significant milestone in their football history. With 101 points on the board and an impressive 109 goals scored, they are firmly in the sights of a Football League return, a decade after their relegation.Their journey to this point has not been without its challenges. A near miss last season served as a catalyst for the current campaign, which has seen them dominate the National League. A recent last-gasp win against Altrincham has put them two points clear of Rochdale at the top of the league with three games to play. The tantalizing prospect of a final-day shootout for the one automatic promotion spot against Rochdale on April 25 has their fans on the edge of their seats.Despite their attacking prowess, York's run-in has required a different skillset, with their past three games delivering narrow wins: 2-1, 1-0, and 1-0. The team's resilience and determination are evident in the words of defender Malachi Fagan-Walcott, whose 96th-minute header clinched the recent victory. He emphasized the team's never-say-die attitude, stating, 'We never stop until the final whistle.'As the pressure mounts, York's manager, Stuart Maynard, insists that the team's approach has not changed, but acknowledges that opponents are now more focused on stopping them. The upcoming match against Tamworth on Saturday will be a crucial test of their resolve.The heartbreak of last season's failure to secure promotion has driven the team forward, with Fagan-Walcott highlighting the learning curve and the team's newfound robustness. The majority owners, Julie-Anne and Matthew Uggla, have played a pivotal role in turbocharging the club's fortunes, investing in both the team and the city.York's captain, Ollie Pearce, has been instrumental in their success, top-scoring with 32 National League goals and providing nine assists. With York just eight goals shy of eclipsing the National League scoring record for a single season, their fans are eagerly anticipating what could be a historic moment for the club.

Amid escalating tensions in the Middle East, the Asian Football Confederation (AFC) has postponed the draw for the 2027 men’s Asian Cup, originally scheduled for Riyadh, and is exploring contingency plans. Australia has been urged to submit an emergency hosting bid to ensure the tournament proceeds as planned.The competition, set to kick off on 7 January 2027 and run for four weeks, will feature 24 national teams, including the Socceroos, across venues in Riyadh, Jeddah and Khobar. With the draw delayed and the Saudi venue’s security under question, AFC officials are weighing alternative locations.Former Australian international Craig Foster argues that the nation is uniquely positioned to step in on short notice. He highlights the success of the 2015 men’s Asian Cup and the recent Women’s Asian Cup hosted in Australia, noting that the country demonstrated both logistical capability and fan engagement.“Hosting the tournament would be a vital diplomatic gesture at a time when Australia’s reputation in the Middle East has suffered,” Foster said, adding that the event could deliver a significant economic uplift for the hospitality industry as teams and supporters flock to Australian cities.Data from the 2015 edition show that 15,000 overseas visitors generated more than half of the tournament’s $81 million direct spend. By contrast, the federal and state contributions to the women’s Asian Cup exceeded $20 million, underscoring the financial stakes involved.The Australian government has indicated willingness to collaborate with Football Australia, stating that any investment in international sport would be considered through regular budget processes. Foster has called on sport minister Anika Wells to endorse an emergency hosting proposal.Football Australia emphasizes that AFC tournaments have become “some of the most significant events in the global football calendar,” delivering “substantial economic, diplomatic, social, and health value for Australia.” Continued support from all government levels, they argue, is essential to maintain the country’s status as a premier host nation.Saudi Arabia, which secured hosting rights in 2023 and will later stage the 2034 FIFA World Cup, now faces uncertainty as its venues sit within striking distance of ongoing regional hostilities, including recent Iranian counter‑attacks near the under‑construction Aramco Stadium in Khobar.

Japan's Prime Minister, Sanae Takaichi, announced on Friday that the country will release additional oil reserves early next month, equivalent to roughly 20 days' worth of oil, to ensure a stable supply of crude oil. This move comes as concern grows over energy shortages caused by the crisis in the Middle East.This will be the second time Japan has dipped into its strategic reserves since the US-Israel war on Iran started in February. Last month, Takaichi approved the release of 50 days' worth of oil, the government's biggest ever release, in an attempt to head off a spike in prices.Japan has enough oil in reserve to last 230 days, but it also imports 95% of its crude oil from the Middle East, most of which is transported through the Strait of Hormuz. The country is trying to secure oil from locations that do not ship via the Strait of Hormuz, amid uncertainty over whether the waterway will fully reopen after a two-week conditional ceasefire announced by Donald Trump this week.By May, Japan should be able to secure more than half of its oil imports via other routes, Takaichi said, although she did not provide details. The industry ministry has said that potential new sources for imports could include Yanbu on Saudi Arabia's Red Sea coast and the Port of Fujairah in the United Arab Emirates.The decision to tap into oil reserves for a second time came as pressure grew on Japan's government to resist US pressure to become militarily involved in the conflict. More than 100 demonstrations were held across the country on Wednesday, with protesters urging Takaichi to abide by the postwar constitution, which forbids Japan from using the threat or use of force as a means of settling international disputes.