Earlier this week, I wrote a piece detailing the worries some young people have about high mortgages rates – and why it was putting them off buying.
Mortgages got comfortably below 4 per cent at the start of 2026, but since the Iran war started back in February, they’ve been far higher, and it’s deterring some first-time buyers from dipping their toe into the market.
One woman I spoke to said she wouldn’t be buying until rates got below 4 per cent again.
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Can we treat guests without blowing our budget?
According to Waitrose, a dinner party revival is underway led by younger people trying to reduce the cost of getting together.
The i Paper food writer Sophie Morris [below] asks chefs for their best ideas for hosting at home.
Always have bread
People will feast on the
bread, and then need less fish/steak/expensive whatever. All small plates restaurants know this: this is why the first thing on the menu is always artisan bread and butter.
ELLA RISBRIDGER, AUTHOR OF THE KITCHEN BOOK – GOOD FOOD FOR EVERY DAY
Female Hands cutting bread. – stock photo. (Photo: Getty)
Use vegetables as centrepieces
Chef and food writer Helen Graham turns vegetables into centrepieces to cut down on meat and fish expenses.
Variety Fresh of organic fruits and vegetables and healthy vegan meal ingredients in reusable eco cotton bags on beige background . Zero waste shopping concept. Healthy food, clean eating, eco friendly, no plastic. Flat lay, top view – stock photo. (Photo: Getty)
Beautiful woman unpacks a full fabric bag with fruits and vegetables on the kitchen. – stock photo. (Photo: Getty)
Add pantry items
Graham’s recipes include a braised cabbage with a preserved lemon sauce, a roast cauliflower with saffron, and harrisa roast carrots with mango labneh.
How to host on a budget
Many of the dishes we take for granted in British curry joints are entirely unlike anything you might find to eat in the subcontinent (Photo: Getty/E+)
Improve the everyday
Guests will always appreciate a stellar interpretation of the ordinary. Think lasagna or curry.
Generosity
Cooking dinner for your guests is spoiling them – you’re being generous with your time, your effort, and your home. So don’t feel the need to go overboard elsewhere.
(Photo: FilippoBacci/Getty Images/E+)
Man serving friends salad at backyard dinner party – stock photo. (Photo: Getty)
Ask for help
Ask friends to bring a contribution, be it a nibble or a pudding.
Big platter energy
[Presentation] can be the key to elevating something . Spaghetti and tomato sauce suddenly looks like a feast when tumbled on a lovely big plate, dressed with olive oil and parmesan and placed in the middle of the table.
Food writer and editor Eleanor Steafel
Entertaining doesn’t have to be stressful (Photo: The Good Brigade/Getty/Digital Vision)
How to host on a budget
Taco party
Have one expensive filling, like shredded chicken, and two cheaper options, like refried beans, says Ella Risbridger.
Traditional ice cream parlours are still going strong (Shutterstock)
Tacos are a popular dish throughout the country (Photo: Daniela White Images/Getty)
Sundaes
Shop-bought ice cream is so easily zhuzhed up with the help of handy toppings, says Eleanor Steafel.
Caption: Lynsey Crombie @lynsey_queenofclean, home expert and TV presenter
Low-effort tricks for
a cleaner house
While many Britons feel inspired to tackle their homes during summer, the warmer months can also make cleaning harder.
But Lynsey Crombie, known as the Queen of Clean, says the hotter months can increase mould, musty smells and sweaty clothes.
Here, she shares the tips and practical
hacks she lives by.
Every 30 washes, clean the machine
A study of 1,000 UK residents by Domestic & General revealed that almost one in 10 Brits have never cleaned their washing machine, yet it could be grubbier than the toilet seat.
Overhead view of young Asian woman loading the washing machine with laundry – stock photo. (Photo: Getty)
Woman loading washing machine in the kitchen – stock photo. (Photo: Getty)
Crombie says after 30 washes, use 500 grams of soda crystals on the hottest wash to clean out the drum. If there’s sludge, run a quick rinse cycle with some white vinegar.
Always make sure to leave the door and drawer ajar for 10 minutes to dry out too and avoid stale smells.
Household ingredients to use
Prolonged exposure to forever chemicals has been linked to health problems (Photo: Olga Rolenko/Moment RF/Getty)
White vinegar
This is Crombie’s go to. It can descale the kettle and taps and deodorise places in her home.
Table salt
For tough stains like red wine, rub salt into the stain, leave overnight and wash as normal.
The drunken monkey theory could explain humans’ drinking habit (Photo: Olga Pankova/Getty)
The fridge extends a lemon’s lifespan (Photo: Paul Calinescu/500px/Getty)
Lemons
For stubborn water marks, use half a lemon and bicarbonate of soda and leave on for 30 minutes before rinsing.
For Valentine’s Day, try giving her something she’ll really love (Photo: Getty)
Cold water is better
You’re damaging [wooden] floor [with hot water], making it expand, stretch
and cause gaps…
During hot days, Crombie says to avoid cleaning with hot water altogether to avoid adding humidity to the home.
“Cold water is much better, and if you’re using the right floor cleaning product, it’s still going to be clean,” she says.
Hacks for a cleaner home
Three is the magic number
Wash your towels after two to three uses and make sure they dry properly in-between.
As it turns out, a human towel is like Alton Towers for bacteria. A lot of fun can be had. (Photo: Joxxxjo/ iStockphoto/ Getty)
Caption: TOTO Neorest WX
TOTO toilets
www.gb.toto.com
Image supplied by
Julienne Webster
Focus on hotspots
Clean the “high traffic” areas, like the toilets, kitchen worktops and the hallway daily.
Open the windows
To keep a home fresh open the windows for 15 minutes each day – even in colder months.
Keep your curtains closed (Photo: Mireya Acierto/Getty/Photodisc)
Weekly habits
Do it more frequently, to cut down how long it takes
He doesn’t always have time to do the cleaning, the ironing, or walk the dog
Photographer: Maryviolet
Provider: Getty Images/iStockphoto
Source: iStockphoto
One task Crombie does weekly is her fridge. This includes a 10-minute wipe-down, focusing on the salad and vegetable tray. “If you save that job up and do it every other month, it’s going to be a very big chore.”
LIFESTYLE
4 min read
Hacks for a cleaner home
Caption: An employee of the French pan maker Cristel, wipes a frying pan at the Cristel factory, on May 23, 2024, in Fesches-le-Chatel, eastern France. At Fesches-le-Chatel, in the Doubs region of France, the Cristel factory is on a roll: France’s number-one manufacturer of stainless steel kitchen equipment has seen “demand explode” since the National Assembly passed a law restricting the use of PFAS in April. (Photo by SEBASTIEN BOZON / AFP) (Photo by SEBASTIEN BOZON/AFP via Getty Images)
Photographer: SEBASTIEN BOZON
Provider: AFP via Getty Images
Source: AFP
Copyright: AFP or licensors
Stainless steel
Crombie’s hack is one product: Barkeeper’s Friend in powder form.
The expensive products
“If you spend more money, you get the floral scents. The difference is scent, not performance.”
Deep cleaning glass door handles for Covid-19 disease prevention. alcohol,disinfectant spray on Wipes of Banister in home for safety,infection of Covid-19 virus,contamination, germs – stock photo. (Photo: Getty)
Cleaning day at home – stock photo. (Photo: Getty)
Ignore online advice
The biggest issue she sees is product overuse. “You don’t need half a bottle of washing up liquid to clean a surface.”
Crombie’s essentials
Four products can do do a full clean of the house.
Antibacterial washing-up liquid: “It can clean almost anything, and any brand works.”
M&S Fabric Refresher spray: It’s pet-friendly, eco-friendly and “ticks all the boxes.”
Cif cream cleaner: “It’s an old school product. It’s so good.”
White vinegar: ““It’s great for washing sportswear, gym kits and is a great stain remover.”
Most British houses are built to retain heat (Photo: Antonio Diaz/Getty/iStockphoto)
How to keep your sex life going in a heatwave
Don’t endure it
For some people, the heat and the sun boost the production of hormones responsible for joy, pleasure and connection like serotonin and dopamine. For others, the heat causes fatigue and irritability. For them, being touched can set off an anxiety response.
GEMMA NICE [BELOW]
Don’t endure sweaty cuddles
Long-term partners can be upfront and honest with each other and say that it’s too hot to touch right now.
For others, break the tension by having an open and honest conversation.
Choose dates with built-in air conditioning, like the cinema.
Don’t ignore the issue or
power through if you’re too hot.
LIFESTYLE
5 min read
How couples can manage a heatwave
Take penetrative sex off the table
It may make you feel lightheaded, tired, and can even lead to erectile dysfunction because the body is overheating.
The UK had pretty low numbers of libidinous romantic lovers, suggesting that ‘Brits may not be having as much fun between the sheets as people in other countries’
(Photo: RealPeopleGroup/ Getty Images/ iStockphoto)
(Photo: Dmitrii Marchenko/Getty).
Indulge in dirty talk instead
Because you aren’t distracted by physical movement, your focus is entirely on your partner’s voice. This can help build a massive amount of tension and sexual desire.
How couples can manage a heatwave
Caption: Young couple at home practicing yoga. They are watching online fitness live streaming classes.
Photographer: svetikd
Provider: Getty Images
Source: E+
Copyright: SVETIKD
Breathwork
This syncs up your nervous systems and can trigger a deep, full-body energetic response.
Mutual play
Set up a fan and touch yourselves while looking directly into each other’s eyes, says Nice.
‘Humid heat is harder heat,’ one expert says (Photo: Getty)
Our reader’s new partner always wants to ‘chill’ at home rather than go for walks or dinner or come up with ideas (Photo: vm/E+)
Strip and chill out
Just sharing the space and being close to each other can strengthen your bond.
Why you shouldn’t have
sex in the sea
Water actually washes away
your body’s natural lubrication.
It creates friction against the delicate tissue.
This can cause micro tears and severe irritation.
It drastically increases the risk of getting a urinary tract infection (UTI) or a yeast infection.
LIFESTYLE
4 min read
The one easy habit which keeps your
brain young
From adopting a different running route to taking up a new hobby, here are seven ways in which new experiences can dramatically alter your brain health for the better.
Making friends at work can have a profound impact on happiness (Photo: Tim Robberts/Getty)
Why we need new experiences
A well-connected brain is more resilient to stress, illness and the effects of ageing.
Neurologist Dr Steve Allder says when we try unfamiliar things, our brain is forced to work in new ways.
Over time, this improves the brain’s ability to adapt to change and respond to challenges, helping us to preserve thinking skills and emotional balance.
Why we need new experiences
They strengthen memory formation
Regularly exposing yourself to new situations – even small ones – helps exercise your memory systems, which improves your ability to store and retrieve information.
A human brain made of wool with folded paper brainwaves – stock photo. (Photo: Getty)
Puzzles like sudoku have now been widely shown not to protect against cognitive decline (Photo: Getty Images)
They improve overall learning ability
Just as muscles adapt to new exercises, the brain adapts to new mental demands. As we age the brain then benefits from regular stimulation and maintains sharpness.
Why we need new experiences
Caption: Happy woman walking with male partner in vineyard during sunset. Elderly couple are touring in field against sky. They are enjoying during weekend.
Photographer: Morsa Images
Provider: Getty Images
Source: Digital Vision
Boosts dopamine
New experiences naturally stimulate dopamine, which encourages positive behaviour patterns.
Reduce cognitive decline
New experiences activate different brain regions, helping to keep more areas working.
Happy pregnant mother sitting close to smiling teen daughter while taking selfie on smartphone – stock photo. (Photo: Getty)
Caption: Portrait of elderly woman solving sudoku puzzles at home, sitting in living room. Sudoku as popular game for aging people, logical thinking, problem solving.
Photographer: Halfpoint Images
Provider: Getty Images
Source: Moment RF
Problem-solving
Your brain must evaluate options, test ideas and adjust its approach.
The benefits of new experiences
Each time you adapt successfully to something new, your brain learns that change can be handled. This improves emotional flexibility, making it easier to cope with stress and unexpected events.
They also often involve other people, whether through travel or social activities. This stimulate areas of the brain
responsible for communication, empathy and understanding others’ perspectives.
Running might not seem like the most appealing hobby, but if you give it a try, you might be surprised (Photo: EMS-FORSTER-PRODUCTIONS/Getty/Digital Vision/ems-forster-productions)
Your sleep has a huge impact on your heart health
How sleep and your heart
health are linked
Adults who regularly sleep fewer than seven hours are at increased risk of high blood pressure, obesity, heart attack and diabetes.
The risk of coronary artery disease is 45 per cent higher in adults with short sleep durations at night.
LIFESTYLE
4 min read
The bedtime habits that reduce risk
Sleep tourism in hotel. Exhausted woman sleeps sweetly in bed in the morning – stock photo. (Photo: Getty)
Consistency
Keep daytime naps to less than 20 minutes and aim for seven to eight hours sleep per night.
Wind down
A reasonable 20-30 minute bedtime routine can include reading, light stretching, and meditation.
A mature man meditates in the last sun rays coming into his bedroom – stock photo. (Photo: Getty)
Caption: Close-up view of female jogger tying laces of her sport shoes before running exercise routine. Motivation, healthy lifestyle and fitness concept.
Photographer: Xavier Lorenzo
Provider: Getty Images
Source: Moment RF
Time your exercise
Vigorous exercise within three hours of bedtime can cause insomnia.
The bedroom environment
Pensive young Asian woman sitting on bed writing on journal in cozy bedroom. Copy space. – stock photo. (Photo: Getty)
Sleeping in a bedroom with bright overhead light has been associated with a higher risk of major cardiovascular events, including heart attack (47 per cent higher risk), stroke (28 per cent) and heart failure.
Darken the room with blackout blinds or an eye mask, avoid blue light and leave your mobile phone outside your bedroom.
The bedtime habits that reduce risk
Food and drink
Alcohol, nicotine, caffeine and large evening meals can all disrupt sleep quality.
One theory is that alcohol and drugs can hijack the brain’s pathways (Photo: Guillermo Spelucin/Getty Images)
Know your numbers
If your blood pressure at bedtime is consistently high, consider discussing medication with your GP.
Beware of snoring
Sleep-disordered breathing is linked with cardiovascular conditions, so it could be time for a GP evaluation.
Separate bedrooms is not the first step on the road to dissolution; it’s the route to joint survival (Photo: LordHenriVoton/E+/Miljan Lakic/Getty)
Alzheimer’s can be seen on brain scans (Photo: Tek Image/Getty)
HEALTH
Reflecting on the early signs of dementia
Three families reflect on the early signs of the illness, which affected their parents.
They include the things they missed or dismissed, what they’d do differently and what they’d want other people in the same position to know.
Robert and his mother Joyce
She fell for a scam
Robert’s mother Joyce spent her last six years in a care home
One of the first incidents that rang alarm bells for Robert was his mum falling victim to a suspected scam from someone selling mattresses door-to-door.
She also started to struggle with cooking and making her special dishes she’d been making for decades without a problem.
LIFESTYLE
5 min read
Did he tell his mother?
We [had] just sort of played along with everything. But on one particularly bad day, I blurted it out over the phone, ‘Because you’ve got dementia, mum!’ She threatened to kill herself, which was very scary. Maybe it’s something I should have explained properly to her from the get-go.
JOYCE WAS DIAGNOSED WITH ALZHEIMER’S IN HER EARLY SEVENTIES
Old man with dementia enjoys sunny weather – stock photo. (Photo: Getty)
Rosie became a carer
in her early thirties
I think we missed some of the really early subtle signs.
Rosie’s mother was diagnosed with Young Onset Alzheimer’s Disease at 58 but some symptoms, like brain fog, were put down to the menopause.
She had become more forgetful, and was repeating herself, but as she had always “been scatty” it was dismissed.
She became fixated
It was on strange things like going to the same buffet.
Chloe was just 14 when her mum, Sarah, was diagnosed with young onset frontotemporal dementia, a rare form of the disease.
Another time Sarah, who was diagnosed in her forties, forgot how to boil an egg.
On Saturdays, when she’d usually go shopping, she’d go out and come straight back home, almost like she was forgetting
what she was going out for.
Unused or unwanted subscriptions cost consumers £1.6bn.
Writer Sadhbh O’Sullivan looked into her own forgotten subscriptions when she became a first-time buyer, and realised how much she was wasting on things she wasn’t using.
Are you good at managing money (Photo:
Peter Dazeley/Getty/The Image Bank RF)
The hidden spends that go unnoticed
I’d long considered myself to be quite a reasonable spender.
But the hidden costs across her bank accounts, like free trials that hadn’t been cancelled and memberships for abandoned services, proved otherwise.
It was full of small amounts, £2.99 here, £4.50 there. These small amounts added up.
The ghost subscriptions
Sadhbh isn’t alone.
19%
According to a Nationwide survey almost one in five Brits don’t use every platform they pay for.
The bank suggests they could save as much as £400 a year by ditching them.
4.7 million
National Trading Standards’ 2025 research found 4.7 million people were paying for subscriptions they didn’t know they’d signed up for.
In 2024, a government report found unused and unwanted subscriptions cost consumers up to £1.6bn a year.
How to deal with the subscriptions
Hunt them down
Banking apps usually list your ‘subscriptions’ separately from direct debits and standing orders so you can easily spot what you’re shelling out on.
Pensioners have some flexibility over the timing and payment of their state pension
(juststock/Getty Images/iStockphoto/ NIPITPHON)
Edge will give customers cashback on debit card and direct debit spending
Check everything
You can be debited through credit cards, E-payment services, your mobile phone bill, Apple Pay or Google Pay.
How to deal with subscriptions
Dating apps have failed the black community, says Amber (Photo: Morsa Images/Getty)
Be honest
Don’t vow to use a subscription you’re not going to, even if you
have good intentions.
Look over 13 months
Many businesses have changed from monthly to annual payments so look further back.
Changes are due to kick in on everything from inheritance tax to filling in self-assessment forms (Photo: Getty).
Customers struggling with debts are highly likely to be in vulnerable circumstances, regulators warn
(Photo: Martin Prescott/Getty)
Future proof
Make sure to track any subscriptions you have kept so you can cancel them, if need be, in future.
Don’t be afraid of phone calls
If companies don’t let you cancel online, don’t fear the customer service line.
With TV and broadband, call the new customer number as it’s often answered more quickly.
If you’re happy with the service, but not the price, speak to a real person that may offer a better deal.
Look for a phone number and press the ‘thinking of leaving us’ option. It’s usually a fast track to a team with authority to offer bigger discounts.
Donations to charity have increased dramatically
But staff say many people treat their shops like a tip.
Here they share the most useful donations they get, and the
ones that drive them mad.
A rail of clothes in a second hand vintage charity shop – stock photo. (Photo: Getty)
People won’t buy the current donations
The quality of donations over the last year has diminished.
Claire Stockman, head of retail for St
Luke’s Hospice [pictured], says many donations include used items from fast fashion like Boohoo and Primark, which they cannot sell for more than £2, if at all.
What the workers see
60%
of what comes into St Luke’s Hospice is unsellable, Stockman says.
She adds its soiled, damaged beyond
repair or smelly.
Vinted
Harriet, a volunteer at Crisis in Dalston,
says people bring in clothes that are dirty and stained – things that they cannot sell
on Vinted.
She also sees dirty kitchenware and technology that no longer works.
It’s not all bad
Two young women shopping in a vintage charity shop – stock photo. (Photo: Getty)
Harriet says they still get their
fair share of designer items.
She’s seen a pair of Louboutins
sell for around £400.
People will buy high-end items
even if they’re a little worn.
First Person
5 min read
The best donations
There was a box donated after someone’s family had passed and in it were all these medals. I researched them and the whole collection ended up going for £2,340…
JANE THURNELL-READ, VOLUNTEER AT
THE OXFAM GENERAL SHOP IN EXETER
What is a good donation?
A young woman chooses clothes in a fashion store and reads the labels on things while shopping at the mall. A millennial shopaholic woman tries on clothes in a fashion boutique – stock photo. (Photo: Getty)
A good donation is anything new with tags on, anything that hasn’t been opened, or higher quality items.
Items that have been well looked after are more likely to sell and generate a better price for charity too.
Harriet adds that knick-knacks and wine glasses are surprise hits in her branch.
When the article was posted on social media, a number of the responses of readers were painfully predictable.
“High!? 5 per cent isn’t high! Try 12 per cent.”
The reaction is the same when I write about the concern people who are renewing their mortgage have – with responses often coming from those in their sixties and seventies.
These people likely bought their first homes in the 1970s and 1980s. As a result they would have faced the extremely high and volatile mortgage rates seen during that period.
In 1989, the Bank of England’s base rate – which has a heavy bearing on loan costs – peaked at nearly 15 per cent, with mortgage rates averaging 14.44 per cent across that year as a result, according to building society data.
Average rates today, which Moneyfacts data suggests are around 5.48 per cent, pale in comparison.
But here’s the key thing. Let’s say you bought your property two years ago, and your mortgage is now coming up for renewal.
You have a bought at an average 2024 price of £262,000 with a 10 per cent deposit on a 25-year term.
Now, at a 5.48 per cent mortgage rate, your new mortgage is likely to cost you around £1,450 per month. Average wages are £39,000, so annually, this equates to around 45 per cent of a typical gross wage.
Let’s compare that to someone two years into a mortgage in 1989. House prices two years prior had averaged around £36,000.
Two years in, assuming a similar deposit and term length, they will be looking at a mortgage of around £400 on that 14.44 per cent rate. Average wages were around £14,000, so annually, this equates to around 35 per cent of a typical pre-tax wage.
In other words, the higher house prices now means simply comparing 1980s mortgage rates to today’s is not a fair comparison.
Three years ago, analysis for The i Paper by Savills estate agency, similarly found that 2020s first-time buyers have it worse than those in the late 1980s, when the difficulty of saving for a deposit and mortgage payments were both factored in.
If you’re a young person you’ll undoubtedly know this already but it seemingly still needs explaining.
Obviously, you can do the calculations lots of different ways and come to slightly different figures.
You can also point out extra factors that those in the 1980s had to contend with – the rise in mortgage rates as more sudden than seen recently, people were having to deal with larger scale unemployment, and more families got by on a single income.
But the simple conclusion is that mortgage rates alone, whilst currently lower than they were in decades gone by, do not tell the full story.
Our current housing market has been built upon years and years of low rates. Buyers now are more sensitive to higher rate and a mortgage rate of 5 per cent is undoubtedly high for most.
So, if you’re in your 60s and telling young people today that their mortgage rates aren’t that bad actually, it might be time to consider how much value you’re adding to the debate, or if you’re being a bit of a pub bore.