Fifty-year home loans would get more on ladder but come with risks

Analysis: longer mortgages would unlock the bind many renters find themselves in but could be expensive

A 50-year home loan might sound depressing to some, but perhaps not if the alternative is never being able to buy a property. Long-term fixed-rate mortgages are an emerging financial product that should in theory allow first-time buyers who are currently priced out of the market to get on the housing ladder.

By spreading the repayments over longer – the average for mortgages taken out this year is 29 years – buyers should be able to borrow up to eight times their income, rather than the current average of 3.2 times, say potential providers. The loans would be backed by borrowing from pension funds and insurance companies rather than against less stable consumer deposits, to satisfy the Bank of England’s prudential requirement.

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No 10 considers 50-year mortgages that could pass down generations

Cautious welcome for idea to tackle housing crisis but experts warn of risks to those inheriting

Downing Street is exploring the idea of trying to tackle the housing crisis with ultra-long mortgages of up to 50 years that could pass between generations, allowing more people to build up equity rather than pay rent.

Mortgage experts said the idea could bring some benefits but flagged problems, including the potential to saddle children with debt, and the fact it would not tackle the fundamental issue of housing supply.

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Germany’s move to legalise cannabis expected to create ‘domino effect’

Coalition government consults health experts, economists and growers in race to clear legal hurdles within two years

Germany is mulling over the consequences of soon becoming the world’s largest potential market for legally sold cannabis, as the country’s left-liberal government presses ahead with plans to allow the controlled distribution of the drug among adults.

Olaf Scholz’s coalition government has in recent weeks reiterated its 2021 coalition-deal vow to legalise for recreational use what its Green and liberal party minister have taken to referring to as Bubatz, a slang word for weed popular among German rappers.

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Earliest Pacific seafarers were matrilocal society, study suggests

DNA analysis of 164 individuals from 2,800 to 300 years ago shows men would move to be with their wives

The world’s earliest seafarers who set out to colonise remote Pacific islands nearly 3,000 years ago were a matrilocal society with communities organised around the female lineage, analysis of ancient DNA suggests.

The research, based on genetic sequencing of 164 ancient individuals from 2,800 to 300 years ago, suggested that some of the earliest inhabitants of islands in Oceania had population structures in which women almost always remained in their communities after marriage, while men left their mother’s community to live with that of their wife. This pattern is strikingly different from that of patrilocal societies, which appeared to be the norm in ancient populations in Europe and Africa.

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Watchdogs condemn police response to domestic abuse claims against officers

Joint inquiry hears evidence of officers in England and Wales using their status to deter victims from making reports

Police forces in England and Wales are responding to reports of their own officers committing domestic abuse in a way that is “significantly harming the public interest”, with just 9% of such allegations leading to criminal charges, a joint watchdog investigation has found.

The College of Policing, Her Majesty’s Inspectorate of Constabulary and Fire & Rescue Services and the Independent Office for Police Conduct heard evidence of police perpetrators of domestic abuse using their knowledge, status and powers to intimidate victims and deter them from making reports.

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Knee replacements stall in regions of England with weight rules for patients

Stricter CCGs told patients that they have to attain a certain body mass index before surgery

The number of knee replacement operations carried out has dropped in regions of England with restrictions on surgery for overweight patients, with people in more deprived areas worst affected, researchers have found.

Patients needing surgery but unable to lose weight are being denied surgery that could ease pain and increase mobility, the team from the University of Bristol said.

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Families of murder victims Hannah Clarke and Doreen Langham join call for specialist police stations

‘Women have had enough,’ says Prof Kerry Carrington, who has been advocating for domestic violence stations since 2015

The violent murders of Doreen Langham and Hannah Clarke by their former partners should be a wakeup call to all Australian jurisdictions to consider specialist domestic violence police stations, according to experts and family members of the victims.

A trial of specialist stations has been recommended twice this week by deputy Queensland coroner Jane Bentley, as she handed down findings from separate inquests into the murders of Langham, on Monday, and Clarke and her children – Aaliyah, Laianah and Trey – on Wednesday.

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Inflation could push English councils into bankruptcy, say leaders

Rise of £2.4bn in costs could be ‘disastrous’ and essential services may need to be cut, says LGA chair

Council leaders in England have said a multibillion-pound financial crisis caused by rising inflation could make local services unviable and even lead to local authorities going bankrupt, unless the government offers emergency funding.

The cross-party Local Government Association (LGA) said local services that were seemingly secure just three months ago were now at risk of closure or cuts as councils scramble to manage an unforeseen £2.4bn rise in energy and pay costs.

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Louisiana judge blocks abortion ban amid uproar after Roe v Wade ruling

State temporarily blocked from enforcing ban as other US states pass ‘trigger laws’ designed to severely curtail access to abortion

A Louisiana judge on Monday temporarily stopped the state from enforcing Republican-backed laws banning abortion, set to take effect after the US supreme court ended the constitutional right to the procedure last week.

Louisiana is one of 13 states which passed “trigger laws”, to ban or severely restrict abortions once the supreme court overturned the 1973 Roe v Wade ruling that recognized a right to the procedure. It did so on Friday, stoking uproar among progressives and protests and counter-protests on the streets of major cities.

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London NHS hospital trusts in row over £190m rebuilding scheme

Exclusive: UCLH says Great Ormond Street’s development of ageing site will endanger safety of patients

An extraordinary row has broken out between two NHS hospital trusts, with one accusing the other of endangering the safety of seriously ill patients through a £190m development scheme.

University College London Hospital (UCLH) claims Great Ormond Street (GOSH) children’s hospital’s rebuilding of its ageing site will lead to patients being denied time-critical care because they will become stuck in ambulances trapped in construction site traffic.

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‘This was properly amazing work’: the artist’s life’s work found in a skip

George Westren’s op-art drawings went viral on social media after a neighbour saved them from the tip – now they might get an exhibition of their own

For a short time last week, the entire works of artist George Westren were sat in a skip, heading for the rubbish dump. A few hours later, however, and they were going viral on social media, with people across the world marvelling at his technique and enquiring as to how they might buy some of the late artist’s work.

None of this would have been possible if it wasn’t for the actions of “nosy neighbour” Alan Warburton. Warburton had been left saddened during lockdown by the news that Westren, his shy upstairs neighbour of six years, had died alone in his flat. Last week, after hearing removal men emptying out the place, he was horrified to see hundreds of Westren’s drawings and paintings bagged up and headed for the tip.

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Sajid Javid tells of heartache over brother’s suicide

Health secretary urges men to discuss mental health and to ‘seek help’ when they need to

Sajid Javid has urged men to speak out about their mental health as he spoke publicly for the first time about the loss of his brother, who took his own life.

The health secretary said he still wonders if he could have acted to prevent his brother’s death, and spoke of his “deeply personal” mission to prevent suicides. Javid’s brother, Tariq, 51, took his own life in a hotel in Horsham, West Sussex, in July 2018.

In the UK and Ireland, Samaritans can be contacted on 116 123, or email jo@samaritans.org or jo@samaritans.ie. In the US, the National Suicide Prevention Lifeline is 1-800-273-8255. In Australia, the crisis support service Lifeline is 13 11 14. Other international helplines can be found at befrienders.org.

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Prince Charles given €3m in cash in bags by Qatari politician, according to report

Money was passed immediately to one of the prince’s charities, says Clarence House

The Prince of Wales accepted bags containing millions of euros in cash during meetings with a senior Qatari politician, according to a report.

Prince Charles was said to have been given a total of €3m (£2.6m) during meetings with Sheikh Hamad bin Jassim bin Jaber al-Thani, the former prime minister of Qatar.

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BBC’s Amol Rajan criticised for using phrase ‘pro-life’ in Roe v Wade interview

Pro-choice campaigners say hearing the term, seen as partisan, on Today programme was ‘disappointing’

One of the BBC’s most high-profile presenters has been criticised for using the term “pro-life” to describe anti-abortion campaigners in a discussion about the US supreme court’s overturning of Roe v Wade.

The term, which is considered partisan, was used twice by Amol Rajan during Saturday morning’s Today programme on Radio 4, in segments about the landmark ruling ending Americans’ constitutional right to abortion.

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French lawmakers propose bill to inscribe abortion rights in constitution

Constitutional law would cement abortion rights for future generations, says member of parliament

A group of lawmakers from the French president’s party will propose a bill to inscribe abortion rights into the country’s constitution, according to a statement by two members of parliament on Saturday.

The move comes after the US supreme court overturned a 50-year-old ruling and stripped women’s constitutional protections for abortion.

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Abortion banned in multiple US states just hours after Roe v Wade overturned

Utah among first states to outlaw almost all abortions, while mayor of Washington DC declares it ‘pro-choice city’

Abortion was already illegal in multiple US states on Saturday, with bans introduced within hours of Roe v Wade being overturned, as cities erupted in protest at the landmark ruling.

It came after the US supreme court on Friday abolished the constitutional right to abortion, more than 50 years after it was established, leaving individual states to decide. It is ultimately expected to lead to abortion bans in about half of the states.

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Biden administration signals fight to stop states banning abortion pill

With Roe v Wade overturned, government could go to court over how mifepristone is approved for use

Joe Biden’s administration has indicated it will seek to prevent states from banning a pill used for medical abortion in light of the supreme court ruling overturning Roe v Wade, signalling a major new legal fight.

The administration could argue in court that the US Food and Drug Administration’s (FDA) approval of mifepristone, one of the pills used for medical abortions, preempts state restrictions, meaning federal authority outweighs any state action.

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Tories lose two key byelections on same night in Wakefield and Tiverton and Honiton

Labour takes Wakefield and Lib Dems snatch Tiverton and Honiton, piling pressure on Boris Johnson

Boris Johnson has faced a double hammer blow to his authority after the Conservatives lost the Wakefield and Tiverton and Honiton byelections on the same night, prompting the party co-chair Oliver Dowden to resign.

Labour took Wakefield, while the Liberal Democrats overturned a 24,000-plus majority to snatch Tiverton and Honiton.

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Boris Johnson’s future in the frame as polls close in byelections

Loss of Wakefield, and Tiverton and Honiton could push backbench Tories towards restarting efforts to oust PM

Voting has closed for two crucial byelections, in Wakefield and in Tiverton and Honiton, the results of which could play a pivotal role in Boris Johnson’s political future.

Defeat in both of what were previously Tory-held seats could reignite a challenge to the prime minister from disgruntled Conservative MPs, particularly if the Liberal Democrats overturn a 24,000-plus majority in Tiverton and Honiton.

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Australian research finds effects of loneliness during Covid lockdowns ‘substantial and uneven’

People on low incomes, who had disabilities or who were carers were less likely to recover quickly post-lockdown, study shows

“Everyone became withdrawn, even after restrictions ended,” one man said of his experience following Australia’s pandemic lockdowns.

“No one wants to hang out any more … [it] feels like life and society have permanently changed.”

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