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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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Sports May 23, 2026

The Dark Side of the Enhanced Games: Athletes Risking It All for Millions

The Enhanced Games, a new sports event in Las Vegas, allows athletes to use banned performance-enha…
The Allure of the Enhanced Games The Enhanced Games, dubbed the 'Steroid Olympics,' is a new and highly contentious sports event set to take place in Las Vegas. The competition allows athletes to use banned performance-enhancing drugs, such as anabolic steroids, testosterone, and human growth hormone. In return, participants can earn substantial rewards, with some athletes potentially walking away with millions of dollars. Athletes Weighing the Risks Ukrainian swimmer Andriy Govorov, the 50m butterfly world record-holder, is one of the athletes competing in the Enhanced Games. He reveals that he was anxious about taking banned drugs for the first time, but the potential financial reward was too enticing to ignore. Govorov could earn around $1m if he performs well. The Financial Incentives The financial incentives for participating in the Enhanced Games are significant. Britain's Ben Proud, a silver medalist in the 50m freestyle swimming at the Paris Games, is reportedly on a mid-six-figure salary with Enhanced. If he wins the 50m and 100m freestyle and swims faster than the current world records, he could earn an additional $2.5m. The Health Risks However, the use of banned performance-enhancing drugs comes with serious health risks. The World Anti-Doping Agency (WADA) warns that these substances can lead to long-term side effects, including hypertension, heart attack, and blood clots. Despite these risks, Christian Angermayer, co-founder of the Enhanced Games, believes that the benefits outweigh the costs when used under strict medical supervision. The Future of Sports? The Enhanced Games represent a new and uncertain frontier in sports. While some see it as a threat to traditional athletics, others view it as an opportunity for athletes to take control of their own bodies and careers. As the event approaches, the world will be watching to see how it unfolds and what the consequences will be for the athletes involved.
#Enhanced Games #Las Vegas #Andriy Govorov
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Sports May 23, 2026

Premier League 2025-26 Season Review: Arsenal, Aston Villa, and Bournemouth Shine

The 2025-26 Premier League season has concluded, with Arsenal, Aston Villa, and Bournemouth standin…
The Premier League 2025-26 Season Review The 2025-26 Premier League season has come to a close, with several teams exceeding expectations and others falling short. In this review, we'll take a closer look at the standout teams, including Arsenal, Aston Villa, and Bournemouth. Arsenal's Dominant Season Arsenal fans have a lot to celebrate as their team won the league title. The team's manager, Mikel, received praise for his ability to get the team over the line, despite some critics questioning his tactics. The team's defense was particularly impressive, with 19 clean sheets. Stars: Raya, Gabriel, Saliba, and Rice were consistent performers throughout the season. Flops: Martinelli struggled to find form, scoring only one league goal, while Madueke lacked composure in front of goal. Aston Villa's Europa League Success Aston Villa had a remarkable season, culminating in a joyous party in Istanbul after their Europa League final victory. The team's manager, Unai Emery, received praise for his ability to get the team to perform when it mattered. Stars: McGinn was a standout player, with his leadership and game management being particularly impressive. Flops: None mentioned. Bournemouth's Historic Achievement Bournemouth made history by qualifying for Europe for the first time. The team's manager, Andoni Iraola, was praised for his genius and the team's energetic and exciting brand of football. Stars: Alex Scott, Junior Kroupi, and Rayan were spectacular performers. Flops: None mentioned. The Verdict The 2025-26 Premier League season was filled with surprises and standout performances. Arsenal's title win, Aston Villa's Europa League success, and Bournemouth's historic achievement made for an exciting conclusion to the season.
#Premier League #Arsenal #Aston Villa
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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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Sports May 23, 2026

World Cup 2026: Top Stars Missing Out on Tournament

The FIFA World Cup 2026 will be missing several top football stars due to injuries and qualificatio…
The World Cup AbsencesThe world's best football players will travel to North America this summer for the most anticipated sporting event of the year: the FIFA World Cup 2026. While the 48-team tournament will feature young prodigies and veterans alike, some stars will not be at the tournament, having missed out due to injuries or because their nations failed to qualify.Stars Who Missed QualificationSeveral high-profile players will not be at the World Cup because their countries failed to secure qualification. Among them are:Khvicha Kvaratskhelia (Georgia) - The Paris Saint-Germain winger, one of the most feared in European football, will not be on the plane to North America as Georgia failed to qualify.Robert Lewandowski (Poland) - The 37-year-old Barcelona striker left the pitch in tears after Poland narrowly missed out on qualification. With 89 goals in 165 appearances for Poland, he has never advanced beyond the round of 16 at a World Cup.Gianluigi Donnarumma and Sandro Tonali (Italy) - Italy's failure to qualify for the World Cup for a third consecutive time means the tournament will be devoid of some of the finest Azzurri talents, including the star goalkeeper and midfielder.Victor Osimhen and Ademola Lookman (Nigeria) - Nigeria's shock penalty shootout defeat to the Democratic Republic of the Congo in the African playoffs means fans will miss out on watching these two bright attackers.Bryan Mbeumo (Cameroon) - Cameroon's failure to qualify came as a surprise as the Indomitable Lions hold the African record for the most World Cup appearances with eight overall.Injury-Related AbsencesSeveral players who would have likely been selected for their national teams have been ruled out due to injuries:Hugo Ekitike (France) - The France forward ruptured his Achilles tendon while playing for Liverpool against PSG in April, an injury that could sideline him until January 2027.Estevao (Brazil) - The 19-year-old suffered a grade four hamstring injury while playing for Chelsea in April, crushing his dream of making his World Cup debut.Rodrygo (Brazil) - The Real Madrid winger suffered a torn meniscus and ACL in his right knee while playing for Madrid in March and is expected to be out until the end of 2026.Xavi Simons (Netherlands) - The attacking midfielder suffered an anterior cruciate ligament (ACL) injury while playing for Tottenham Hotspur against Wolverhampton Wanderers.Other Notable AbsencesSeveral other high-profile players will also miss the tournament:Fermin Lopez (Spain) - Misses out after requiring surgery on a fracture in his right foot.Serge Gnabry (Germany) - Ruled out with a torn adductor muscle in his right thigh.Cole Palmer and Phil Foden (England) - Omitted from England's squad after both had disappointing seasons.Takumi Minamino and Kaoru Mitoma (Japan) - Minamino was left out after suffering an ACL tear while Mitoma also misses out after suffering a hamstring injury.Eder Militao, Joao Pedro, and Richarlison (Brazil) - All dropped from Brazil's squad due to injuries.Jan Oblak (Slovenia) - The goalkeeper and captain will be absent after Slovenia failed to qualify.Dominik Szoboszlai (Hungary) - Faces a similar fate after Hungary missed out on qualification.
#FIFA World Cup #Football #Injuries
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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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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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