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The smuggler’s daughter and other tales from the Gulf of Aden

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Known as tahriib, they are clandestine travellers seeking to escape conflict, poverty and the effects of climate change. Over the past decade, their journeys across the Gulf of Aden have become increasingly chaotic, a microcosm of the forces driving worldwide flows of human traffic.

Between the Indian Ocean and the Red Sea, this stretch of water separates the Horn of Africa and the Arabian Peninsula. No other place on earth has witnessed more cycles of conflict, forcing so many people into successive rotations in such a small space. Today, contraflows of migrants and refugees move through a labyrinth of ever-more-dangerous routes, exchanging insecurities, jumping between continents, from one battlefield to another. They criss-cross Ethiopia, Somalia, Djibouti, Yemen and Saudi Arabia, a human shuffle in which the odds are never favourable.

A generation of young men and women has been seduced by a growing network of middlemen, promising jobs and a better future elsewhere. Promises that have, in turn, fuelled a new model of people trafficking, drawing the tahriib into a world in which there is often complete disregard for life. 

The cracking sound jarred Sami from his sleep. A floundering came from the ladder that led up to the overhanging sleeping quarters. The broken top rung must have given way again. Probably a visitor. A new farm boy from the plains or another tahriib seeking shelter.

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Sami lay there, his head under a flapping, shiny curtain at the open window that could not be pulled back. Listening to the rhythm of his own breath, he could make out the sound of a car turning into the potholed street, making its way through the last of the deep puddles left by the rains. Downstairs, the sound of running water came from a hose in the tiled courtyard, someone taking a shower.

There was shouting. Tongues that could not be understood. Semi-awake, Sami turned gradually on the lean foam mattress, sensing that it must be afternoon and that he was the only one in the small, sulphur-yellow room. The others must have been out, hustling for work or else on the hunt for cheap snacks sold by women with pans of hot oil in the alleyways around Place Rimbaud.

Sami’s mind was rattling, thoughts lurching between memories of his home in Dire Dawa, Ethiopia, and the streets of Djiboutiville, capital of Djibouti, where he now found himself in limbo. He imagined the well-trodden paths of Quartier Quatre nearby: the alleyway where weightlifters trained; the tin mosque with a green door, standing at such a slant that it was propped up with sand bags; the blue phone cabin next to three pink houses; and the spot on Avenue Thirteen where the girl had smiled at him last night.

Sami recalled a conversation five years ago, sat gathered on a patch of cool earth under a damas tree with his best friend, Araso, and some other boys who worked on the farms. He was 15 then, and his mother had recently died. Sami was numb. Nearly all of the boys in the villages around Dire Dawa had been visited by the dilals, local brokers who spun tales of riches and wonder abroad. Like campfire fable-tellers, they spoke reverently of a quixotic figure who would guide and watch over them. That was when he first heard the name of Abdul Qawi.

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Around the Gulf of Aden, thousands are searching for Abdul Qawi. Unlike the dilals, who are merely middlemen, Abdul Qawi is in many tellings a legendary people smuggler operating in this region. In others he is a powerful warlord to be avoided. Some chatter loudly, questioning whether he is real or not, alive or dead, good or evil. Some tout theories, deeming him to have been shot, or to have escaped, disappeared, in this place or that. Whether he is fact or fiction is inconsequential. His name no doubt continues to lure thousands to their deaths.

A person in a yellow shirt standing inside a small, rustic barbershop with blue corrugated metal walls, watching a television mounted on the wall
Djiboutiville, Djibouti
Resting on a pile of mattresses in a makeshift wooden hut built onto the roof of a house, a Yemeni man rests amid the chaos of Djibouti’s slums
Djiboutiville, Djibouti
Three Ethiopian tahrib settle themselves on the wooden bench of a vacated tea stall
Obock, Djibouti
A green door leads to a tin mosque
Djiboutiville, Djibouti

The stories did not need to be true to be believed. “So many young boys in my area were travelling to Yemen or Saudi for a better life,” Sami said. “We tracked down a dilal and went to his house to work it all out. My cousin stayed on to look after my family’s small house and I set off with five friends.”

The journey included a 250-kilometre walk around Djibouti’s coastline to Obock, through a vast lava field of sharp, black rocks. Depressed below sea level, the earth is encrusted with a thick layer of salt made whiter still by the glaring sun. Avoiding checkpoints on the roads, gravel patches make for the best going underfoot. Spread out along the well-worn route, blue barrels sit like way-markers. A lifeline from which to drink, they have been left for the hundreds of parched migrants and refugees who walk by each day.

Their internal voices full of stories and possibilities, Sami and his friends pressed on undeterred. He took a boat from near Obock with 70 others. “We were dropped into the water near a beach where there was a group of 10 men with Kalashnikovs waiting. It was the first time in my life I was really, really scared. We were all taken in a big truck to a camp.” There were seven women with them and, when they reached the hosh, or camp, the group was split up. “There were lots of other migrants there, around 400 in total, from Somalia and Sudan but mostly from Ethiopia.”

In the smuggler’s encampments near Res al-Ara, on the southwestern tip of Yemen, the first questions they were asked were whether they knew anybody in Saudi Arabia, England or the US. “If you then tell them you have relatives, you are forced to hand over the contact number of somebody you know there. Then they immediately start asking for $3,000. If you don’t know anybody, then they start hitting you.” Sami said beatings, torture and rape were commonplace. “If they want ransom money, then they immediately start making videos of you suffering. For the women it’s worse. Every tahriib in there is crying but even though your eyes become tired, even at midnight you don’t sleep.

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“In the camp, they don’t want to kill you, but the gangs there are very violent. They take the same drug, called Dama, that fighters take. It closes your heart.” The synthetic drug Captagon, sometimes called Dama in Yemen, has become common on battlefields, allowing users to stay awake for days and feel invincible. 

Sami does not sleep much these days. Easing himself up slowly from the mattress in the yellow room, he drew his mouth down in pain. From beneath a tightly fitting T-shirt, a lumpy channel of white scar tissue extended the length of his abdomen. A discomfort, a constant reminder. Fifteen days into his captivity, a deranged guard had stormed into the compound. Wild-eyed, he flung himself from wall to wall before stabbing Sami in the stomach.

Bedding down on sheets of cardboard and sacks, a group of exhausted tahrib wake up on the roadside close to Obock’s port
Obock, Djibouti
A dimly lit interior of a run-down home, with hanging clothes, an old refrigerator, and makeshift curtains
Djiboutiville, Djibouti
Under Arabic graffiti that reads “You cannot search for the beauty of love, it comes to you” armed fighter jets have been drawn on the opening of a canvas tent in Obock Camp
Obock, Djibouti
Two men pass a brightly painted Ethiopian restaurant as they aimlessly walk the town’s streets in search of casual work
Obock, Djibouti

Irrational violence is commonplace within Yemen’s smuggling mafia, but most is premeditated and methodical. Prescribed by ringleaders, it is enacted by compliant henchmen as a means of extortion. The past decade has seen wholesale trafficking and hostage-taking evolve into a multimillion-dollar business.

Bleeding and unconscious, Sami was left for dead, dumped by his captors on a road. A passing vehicle took him to hospital. After his recovery, he travelled to Sana’a and spent a long time trying to claim asylum, find work and build a new life for himself. Sami was sleeping on the streets of Sana’a when fighting broke out. “Bomb craters, missiles falling and every 20 minutes or so there were more soldiers on the road.” 

Several days after leaving the capital on foot, Sami reached a Houthi checkpoint, along with five others including his best friend, Araso. “We explained that we were just refugees and were trying to make our way to Saudi. They told us to come with them or they would kill us. We were scared, of course, and when we tried to plead with them, they shot Araso directly in the face. Only then we followed.”

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The Houthi fighters demanded they work for them, carting supplies and munitions into the mountains. “In between, they would teach us how to fight. To fire a weapon and to throw bombs. My consciousness was telling me not to fight, that I had to save my heart.”

Back in Djiboutiville, one hand shielding half his face, he rested the other against the curtain. He wanted to move, to stand, to get out of the yellow room, to meet his friends in Place Rimbaud, yet felt weighted. There was a mourning of time passed, five years wasted, the loss of Araso, and of his mother. Memories flooded in, shape-shifting figures, blurring lines between truths and falsehoods. The skirmish in the mountains that gave Sami the chance to escape, like stories under the damas tree, seemed almost fantastical.

“There are two things I will never forget,” he said. “Being kidnapped and having seen my friend killed in front of my eyes . . . The boys that come from the farms in Ethiopia, they don’t think. Even if you tell them about the war in Yemen or about Abdul Qawi, they close their ears. Any word of trouble and they will just answer you back with the same remarks like ‘Allah will save me’ or that their ‘dilal can’t be lying’. If you decide your future on the cheap, then for sure something bad will happen.”

Three thousand dollars sat wrapped in a bundle, passing for a giant’s sack. The heavy bag stayed exactly where it was on the fur-covered dashboard as Said veered sharply around a bend on the rutted coastal highway into Obock. Eventually, the smuggler’s truck screeched to a standstill and, through a slim gap in the tinted windscreen, Said caught sight of them. Two teenage boys, dead under a tree.

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For a brief moment, the clamour that had been building inside the packed vehicle ceased. The men and women crushed in the back of the pick-up dusted off their disagreements. In unison, each with their palms turned upwards, the melancholy incantation came: “Inna lillahi wa inna ilayhi raja un.” We belong to God and to Him we shall return.

A slow-moving column of vehicles had already passed the nameless boys that morning. Perhaps supposing them to be sleeping, hundreds of migrants and refugees had simply walked by, their heads bowed against the dust storm. In the already unbearable surging heat, their need to find cover was pressing.

Had the two boys walked for another half an hour, a spit of tarmac would have led them to Obock town and the high, white screed walls of the Migrant Response Centre, where they could have sought help.

Kassim was one who had made it. Limping to the centre on a single flip-flop, the 15-year-old was shouldered by his smaller friend. In jeans cut off to just below the knee, he clenched a near-empty shopping bag containing all that he owned. Taped all over his face, sheets of taupe sticking plasters barely masked his agony. Charting an unlit route in the cool of night, when checkpoints are easier to pass, Kassim had been hit by a car that didn’t stop. 

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A narrow view of Obock’s dusty main street is seen through a partially blacked-out windscreen of a smuggler’s pick-up truck
Obock, Djibouti
Covered in an almost coordinating pink floral fabric, a pillow sits on a dirty, uncovered mattress propped up against the wall of a blue rented room
Hargeisa, Somaliland region of Somalia
A sun shade for new arrivals overhangs a wall signed d’orientation aux migrants at a reception centre run by the International Organization for Migration
Obock, Djibouti
A group of people walking through a rocky, arid landscape with trees and sparse vegetation
Alat Ela, Djibouti

In the far corner of the yard, closest to the water supply where residents clean themselves and their clothes, brimming vats of sticky rice sat on the boil for lunch. Holding up a wooden spoon longer than his arm, 16-year-old Abdi stopped stirring. Mopping his brow, he was careful not to wipe away the semblance of a beard, sketched on to his jawline with biro. Having escaped enslavement in Yemen, Abdi sized up Kassim and his friend, his soon-to-be roommates.

Logged as numbers 24 and 25, their names were taken down in a thick blue ledger reserved for unaccompanied minors. The Migrant Response Centre’s manager, Mohamed, showed the boys into the compound. Kassim was taken to the hospital, a rudimentary single ward, pungent with the biting odours of antiseptic and bleach. Patched up and given fluids, he lay on one of the four plastic-covered beds dressed with clean white sheets, his bag stowed beneath him.

The Migrant Response Centre was constructed little more than a decade ago, and Mohamed has been working there ever since. “It was when we started to hear the name Abdul Qawi. Before, it was just a small number of Somalis coming through Obock but now it’s nearly all Ethiopians. Around 300 a day,” he said. Under galvanised roofs, dormitories are hemmed into the boundary walls, laced at their upper edges with repeating flower patterns. Shapes formed by semi-open concrete blocks, blowing in clouds of dirt but too high to see out of. Mattresses dispersed here and there on floors are partitioned by hung mosquito nets. Shrouds that cast a synthetic blue haze across bare spaces, assigned for a constant turnover of about 500 men, women and children.

Funded by the UN’s International Organization for Migration, staff at the Migrant Response Centre do their best to offer lifelines. Covering a vast terrain, outreach teams set out to warn travellers of the dangers that lie ahead, at sea and in Yemen and Saudi Arabia. Words and realities that more often than not fall on deaf ears. Mohamed spoke of how the heat kills so many and of human remains, all too regularly discovered by the roadside. “Just this summer we found a corpse only metres away from the entrance. He was so, so close.”

Leaning back on the chest freezer, the guards sneaked a look at Aisha’s screen. Behind the bright pink phone case, their queen was dropping effects on to her latest TikTok post. For her third lip-syncing video of the day, the beats of Puntland favourite Sharma Boy were overlaid with animated broken hearts. Wagging at the camera, her face was reflected back, slimmed by a glamour filter. Aisha is the heiress to a matriarchal people-smuggling empire. She sat under the shade of her mother’s corrugated-iron preserve on the edge of Bosaso, Somalia, the favourite child.

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Her two young sons manned the counter of the shop, sucking lollipops that have dyed their tongues blue. The store sells Superb- and Comfort-brand biscuits and soft drinks, all priced at an exacting $1 minimum, along with chargers, T-shirts and an array of goods aimed at a captive market. On the other side of the semi-open shack, a few guards were gathered in the café area, taking a break from the oppressive afternoon sun. Dressed all in black, Aisha’s mother, Hoyo Oromo, surveyed her realm, a clutch of dormitories and shelters housing migrants and refugees. Her moniker, meaning “Mother of the Oromo people”, is hand-painted in large, blue letters on the walls around her. Returning to her father’s home town following the fall of Siad Barre’s regime in the early 1990s, she was quick to see a business opportunity. “Back then I used to see only Somali refugees but then Ethiopians began arriving in town,” she recalled. “They’ve never stopped. They all know my name now, even in Ethiopia.”

The Mother of Oromo’s pre-eminence began simply enough with a shop, set up on the margins of Bosaso, the renowned smuggling township near the tip of Africa’s horn. As the old guard of smugglers died, or were killed in disputes over stakes in the lucrative people trade, Hoyo Oromo seized her chance. She now controls a human-trafficking syndicate that stretches from Jijiga in Ethiopia to Las Anod in Somalia and Ataq in Yemen. “It’s hard to remember the numbers, but each day we receive around 700 to 800 Ethiopians. Usually, three trucks arrive every day and each carries 250. The numbers used to be less but now they just keep increasing, and now there are so many women.”

As the call to prayer resounded from the two neighbouring mosques, hundreds of weary tahriib emerged from the shadows. She nodded to her guards to get back to work. Watched over like this, the tahriib cannot wander far from the encampments sited on either side of Hoyo Oromo’s headquarters. Divided into separate quarters for males and females, the roofless dormitories are a grim resting place. Scum-covered water fills a trough on the outer edge of each compound. It is all that is available both to drink and for the two mud latrines. With only spare rations of rice served once a day, many inside lie hungry and sick. Skin infections are commonplace, as are untreated wounds, inflicted during beatings or incurred on the journey. 

Shrouded in sheets, two siblings fall asleep exhausted on leopard patterned mattresses
Berbera, Somaliland region of Somalia
Wearing a nib over a red Somali jilbab, a Yemeni woman walks past shelters built of sheet iron, wood and plastic sheeting
Hargeisa, Somaliland region of Somalia
A man drinks from a flask
Bosaso, Somalia
A group of women in a halfway house in Bosaso
Bosaso, Somalia

Dunia sat in a daze, her left eye bruised and swollen. Her legs were outstretched, a cotton dress bundled into a red shawl on her lap her only possessions. When Hassan, another guard, emerged from his room, Dunia and her companions dared not look up. Behind a curtain patterned with the Apple logo, their keeper’s private lodgings were replete with decorative plastic flowers, a wooden double bed with mosquito net and dressing table. Two whips sat propped up on the headboard. Behind the purdah, four 14-year-old girls who had dreamt of new lives in Saudi Arabia were holed up in what was effectually Hassan’s private rape chamber. He looked at them gleefully. “They will find work more easily because they are young.”

Hassan swaggered through the compound gulping ice-cold water from an insulated flask, taunting his thirst-quenched detainees. Like the rest of the guards, he readily admitted to participating in torture. “It’s a very profitable business,” he said. Hassan joined his colleague Jibril. The pair sat awkwardly, chewing on leaves of qat, a mild narcotic. There is nowhere really comfortable, not even in the guard’s room. They told stories; they laughed, brushing away requests for mercy from any of the tahriib brave enough to approach. They indulged themselves in recounting horrors they had seen and inflated rumours they had only heard. The name Abdul Qawi was mentioned. 

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Hassan lurched back. “I get afraid when I hear that name. It’s like seeing a ghost. The first time I started to hear about him was around eight years ago, when I was working in Yemen. There are others that saw him, but I never did. One of the tragedies I witnessed with my own eyes was when one of his men caught a migrant. They stitched his lips together and told him that they would make him a new mouth. They took a knife and that’s what they did.” Hassan sucked in loudly and slowly ran his finger from cheek to cheek.

Jibril had his own theories: “He’s an Arab man. He’s a thief. He’s a hunter. He is everywhere. You will always find him. In Yemen his people are all over the shore waiting so that when the tahriib arrive, they bring them to him. I think Abdul Qawi is an operation, a group of people. Maybe he’s the boss, but now everyone that works for him uses his name.”

Having uploaded her quota of TikTok videos for the day, Aisha came in to look in on the latest truckload of 69 women and girls to have arrived. Obsessively checking her smartphone for reactions to her post, as if oblivious to the pervading sense of dread, she briefed the new arrivals. It would be at least another week before they are escorted on to boats. Prevailing summer monsoon winds would make the crossing even more treacherous. 

Drownings are common. This June, for instance, a smuggler’s boat making its way from Bosaso forced passengers to jump overboard more than four kilometres off the coast of Yemen in rough weather. Fifty-six refugees and migrants died. A further 140 were unaccounted for. Nearly all were young and spent hours fighting for their lives in the water. 

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Aisha made reassuring statements about powerful boat engines and new technology. She said she would keep the new arrivals safe. And then she readily cast blame. “Every migrant that has died or been killed is because of Abdul Qawi. He is a bad man. The tahriib don’t want to go through Djibouti because of this man. It means now there is less fear of travelling through Somalia. It is good for us.”

On a waning tide, the flat seabed stretched between the boundless plains and the now-faraway shore. The wind had blown all traces of footprints from the sand, left smooth as buttercream run over with a palette knife. Up close, its surface was speckled with sharp twigs, blue caps from water bottles and coloured sprigs of plastic bags. The only feature was a solitary acacia tree, just visible in the clammy dawn haze.

Fantehero, a village near the port of Obock in Djibouti, is one of a number of open-air staging posts where the tahriib gather, bound for Yemen, just 100 kilometres away. From within adjacent huts in the village, spectral figures draped in oranges and reds emerged, carrying pots and firewood. Wives and daughters of local dilals getting ready to cook and make money. Soon, the smells of cooking woke the shrouded figures sleeping under the tree. 

Mohammad Siraj was the first to rise. After finding his flip flops, he scanned the scene, looking for Omar. The youngest of the group escaping war in Ethiopia’s Tigray region, Omar said he was 15 but was probably much younger. His small feet were just visible, moving from side to side, amid a line of sleepers coming round.

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Siraj fumbled in his shorts, searching for the last of his birr. A roll of small banknotes that might do him no good in a day or two. For now, he bought himself a round of overpriced bread and one for the boy. He considered his options. Better to keep some funds for later. There was no knowing when the order to move out might come.

Along a dry river bed, groups of women secreted themselves away, finding private spaces behind boulders. Climbing up, Fathima revealed herself, holding hands with a girl dressed in a bright pink hoodie. From their vantage point, they looked curiously at those digging down into the channel with their bare hands for water. It is safer than risking drinking from the well, where a tethered bucket glugs up a soup of rubbish. After eight days on the road, Fathima was exhausted but too anxious to rest properly.

A group of nine migrants from Tigray collapse under an acacia
Obock, Djibouti
A person standing next to a large, weathered rock formation in a desert-like landscape
Obock, Djibouti
A pair of worn shoes left on the sandy ground, partially covered in dust and sand
Obock, Djibouti
A large group of Ethiopian migrants gather at dusk around an acacia tree at a staging post near Obock
Obock, Djibouti

Back beneath the trees, a sense of foreboding prevailed. Conversations did not come easily. It was not until later in the afternoon that a man crouching on his heels with a small black pocket book was first noticed. His head on one side, he mouthed numbers. He was counting. There was no cue to come forward yet the tahriib began to file towards him. As each one gave their name, the dilal wrote. 

With each stroke of the pen, Siraj became increasingly unsettled. He had forgotten to look at where Omar’s name came, not wanting the orphan to travel alone. Among the group, agitated whispers built. In need of reassurance, some of the tahriib told the dilal they were with Abdul Qawi. When, they asked, would they meet him? Would he be there when they arrived in Yemen? Was he here now? The quiet dilal simply nodded. For the first time, Siraj wondered if he would ever return home.

Later in the evening, nearly 200 strangers stood in the pitch dark, anticipating the journey ahead. They were waiting to make the short escape across the Bab el-Mandeb, the 30-kilometre-wide channel traversed by small boats in a matter of hours. The so-called Gate of Tears is renowned as a perilous strait, a turquoise corridor dotted with islands and submerged, shifting shelves. 

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Then came the hum. At first distant, the reverberating noise grew louder. One after the other, a column of trucks hurtled around an escarpment. Then, rising up on to the plateau’s ridge, the convoy went dark, switching off its headlights to avoid detection by coastguard patrols. In a shower of sand, the vehicles came to an abrupt halt, recklessly close to their intended payload.

Wrenched apart from brothers and chaperones, some of the women were taken along with a group of boys in faded puffer jackets. Bundled together on to the back of the Toyotas, the youngest and prettiest were selected, destined to be sold into slavery. Fathima and Omar were gone. They disappeared into blackness.

Crossing the sea from Obock, two women wrapped in colourful scarves travel in a small, fibreglass speedboat
Off the coast of Obock, Djibouti
View from the inside of a vehicle showing multiple yellow jerry cans in the back
Hargeisa, Somaliland region of Somalia
A young child standing near the entrance of a makeshift wooden shack by the ocean at dusk
Obock, Djibouti
A woman in a black headscarf sitting in the backseat of a vehicle, looking towards the camera, while a man seated in front of her faces forward
Berbera, Somaliland region of Somalia

As the highly orchestrated fiasco played out, everything became dreadful. The dilals worked, calling out names. Male and female; Oromo, Tigrayan and Somali; the fit and the injured, divided into lines and then loaded on to trucks. Groupings that may or may not have replicated those in a notebook. Skirting along thick tracks cut into the desert floor, the drivers lurched away in a cloak of dust.

Inside a lorry, Siraj sat hunched, one of a crushed group all shaken to the core. As the doors to the enclosed cargo bed were flung open, the dilal, quiet up until now, roared, screaming commands in French. “Courir! Cacher!” Run! Hide! 

Disoriented, the passengers jump down in turn, keeping low. Hearts hammering, their quick exit was impeded. Each step they took they subsided deeper into the broad viscous mudflats that surround Godoria’s mangroves. A reckless race, headlong into an onshore wind. 

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A panicked few ran like lemmings to the sea. On the upper stretches of the beach, awash with layers of dried seaweed and debris, others sought out hiding spots. Remembering instructions, they sheltered in the dunes and behind the fibrous upturned hulls of smuggler’s boats that sat like whale carcasses at intervals along the coast. Above, an expanse of stars fell down to every horizon like the ribs of an umbrella. 

From the shallows, the painted bow of a narrow craft emerged, pulled over the breakers by its Yemeni crew. A frenetic scramble ensued and, in minutes, the boat was gone, the sound of its engine lost to the blowing swells. In its wake, only footprints and still-full bottles of water, left in haste along with pair after pair of shoes — laced walking boots, petite sandals with heels, pink suede brogues — footwear meant for new lives that would now begin in bare feet.

Note: Some of the names in this story have been changed

For more than 15 years, photographer and author Alixandra Fazzina has been reporting from the shores of the Gulf of Aden, weaving together intimate stories of people on the move. Her first book “A Million Shillings” documented the flight from war-torn Ethiopia and Somalia. She is a laureate of the UNHCR Nansen Refugee Award and was shortlisted for the Prix Pictet in 2015.

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Travel

Why you should never trust the fancy hotel toiletries in your room – and the secret they are hiding

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Travel whizz Jessica Sulima revealed the truth about hotel toiletries

A TRAVEL expert has uncovered the secrets of fancy hotel toiletries and revealed why you should never trust them.

Holidaymakers love to horde tiny bottles of high-end shampoos and lotions but you might not be getting what you think you’re paying for.

Travel whizz Jessica Sulima revealed the truth about hotel toiletries

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Travel whizz Jessica Sulima revealed the truth about hotel toiletriesCredit: Getty

Plenty of hotels sign exclusive agreements with luxury cosmetics brands to carry miniature versions of their signature products.

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These can add a touch of class to an en suite, but bosses are keen not to give away too much for free.

And, according to travel whizz Jessica Sulima, they don’t.

Writing for Thrillist, she claimed that when it comes to hotel toiletries most of the value is in the name on the bottle.

Jessica said: “These days, it’s rare to find a generic, unheard-of brand lining your bathroom sink or shower caddy.

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“As far as luxury hotels go, expect to find D.S. and Durga at The Carlyle, Bamford at The Palace Hotel, or Diptyque at the Ritz-Carlton.

“The trend is a win-win — the hotels get to amplify their prestige, and the cosmetic companies get to spread brand awareness.

“It was probably naive of me, however, to think that such products are exact replicas of what you can find in stores.

“In practice, hotels typically work with these brands to create custom formulations that reasonably approximate their product at scale.

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“These samples are designed to be as close to the real deal as possible, and in a perfect world, guests wouldn’t be able to sniff out the substitute.”

Travellers reveals sneaky way to take fancy hotel toiletries without getting in trouble

Her suspicions were backed up by Anna Ableson, a professor at the Tisch Insitute of Hospitality at NYU.

The industry insider said: “Some hotel toiletries may look like retail name-brand products, but they’re often formulated and sourced differently to meet hospitality industry needs.

“This can cause variations in quality and composition compared to store-bought versions.”

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And Ian Ginsburg, president of beauty brand C.O. Bigelow, added: “The north star is to do it exactly as it is.

“But it’s a balance of cost. Sometimes the cost is too much, so we’ll try to modify the fragrance.”

It comes after a Brit who has gone on more than 50 cruises revealed the one item he never leaves home without.

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Business

The canvas of life’s seasons

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Banker all-nighters create productivity paradox

On a beautiful recent fall morning, I was sitting on my porch watching the wind blow through the tree in front of my apartment. The leaves were shaking fiercely on their branches, and every now and then one would succumb, slowly falling to the ground. I was struck by the graceful motion with which they fell and the sense of accompanying peace.

Autumn is such a glorious season, but it’s also a time that’s rich with the symbolism of mortality. And the longer I sat there, the more I thought about how we shy away from talking about or reflecting on death as an inevitable stage of life. It is not an easy topic to confront, especially when there are people in our lives who are seriously ill or grieving a loss. But if we had more courage to broach this taboo topic, I wonder if it could open up an opportunity for us to consider what we might gain by recognising the interwoven state of life and death.


There is a lot happening in the 18th-century painting “An Experiment on a Bird in the Air Pump” by Joseph Wright of Derby. Ten people occupy a room lit only by a candle and the glow of a full moon. The group are gathered around a table to observe what happens when a bird trapped in a glass jar is deprived of air.

The onlookers’ responses seem to offer an insight into the ways we approach death when it’s before us. The couple to the left, in the throes of young love, focus only on themselves, as if the consideration of mortality might seem morbid or even unreal. The boy seated beside the couple looks on with rapt curiosity, wondering, as a child would, what happens when something living dies. Of the two gentlemen seated at the table, neither has his gaze on the bird, as if reluctant to contemplate the question of mortality. The young boy at the back glances across to see the fate of the bird, his expression almost sad. To the left of him, a little girl looks up at the bird with both curiosity and fear, clinging to her older sister, who covers her face with her hands while their father calmly points at the air pump, as if trying to draw her attention to what is happening.

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The suffering of the bird is something I imagine many of us would turn away from. Yet there is something about acknowledging mortality and the process leading to it that forces us to recognise what a thin threshold lies between life and death. I will never forget the experience of having to put down my beloved dog. We had been together for 11 years, from the time she was eight weeks old. I held her head in my lap and stroked her face as the tears poured down mine. But at the same time, I felt a clear and indescribable sense of relief from my dog. And as painful as it was, it felt an honour to share her last hours, remembering her as a puppy and as a wild, vibrant dog who would tear through the yard before showing up at the kitchen door, panting and exuberant.

I do not have Buddha-like words of wisdom about death. But if we took a minute to imagine where we might insert ourselves into Wright’s painting, it could lead us to surprising trains of thought or offer feelings to explore about where we find ourselves in our own lives. That itself seems to me of value.


In “Sleep and His Half-Brother Death” (1874) by John William Waterhouse, the artist references the Greek mythological story of Hypnos, god of sleep, and Thanatos, god of death, who were twin brothers. A boy dozes on a chaise, his head resting on the shoulder of his brother, who sits shadowed beside him in the dark. In many ancient stories, sleep and death are likened to one another. When we’re asleep, it’s as if we have temporarily left the world; there’s no certainty that any of us will see the dawn. Waterhouse’s painting offers a visceral reminder of that: how easy, it seems to say, for life and death to rest against one another.

And yet, in my experience it can be a challenge to recognise and accept how close we all are to death — something that becomes painfully apparent when we struggle to stay close to someone we know when they lose a loved one or are themselves dealing with looming mortality. I have been in that heartbreaking and heart-expanding situation a few times in my life, when I have felt ill-equipped to walk compassionately with the other person. I wonder if we might be better at supporting one another if we were more practised in sharing our thoughts, beliefs or questions about the end of life.


Recently I was in conversation with the Ghanaian-German artist Zohra Opoku, as part of Berlin Art Week. We were talking about her 2020-22 body of work, “The Myths of Eternal Life”, which she began while receiving treatment for breast cancer in her early forties. Opoku naturally turned to thinking about her own mortality, and was moved by an encounter with ancient Egyptian artefacts at a museum. She began to research the “Spells for Coming Forth by Day” (more commonly known as the Book of the Dead), an ancient collection of spells meant to protect and help those passing from this life to the afterlife.

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A collage of photographic images of separate parts of a woman’s body to show her in profile, striding forwards
Zohra Opoku’s ‘I am the terror in the storm who guards the great one [in] the conflict. Sharp Knife strikes for me. Ash god provides coolness for me’ © Courtesy of the artist and Mariane Ibrahim

Many of the works in Opoku’s series have portions of the ancient spells as their title. Her 2023 piece “I am the terror in the storm who guards the great one [in] the conflict. Sharp Knife strikes for me. Ash god provides coolness for me” is an embroidered screen print in which the artist is shown striding forward. Her body, however, is not whole: her head, torso and legs are detached from each other, and the limbs and hands multiplied. It is as if she has come undone from the illness and the treatment it entailed, but the work also speaks in some way to her awareness of the different parts of herself — even parts she may be losing — and her efforts to come to terms with this.

Images of her cupped hands are spread across the top half of the canvas, simultaneously releasing things from her life and receiving new realities. Bare winter trees in the background reference her experience of finding spiritual and emotional succour in nature. It is an artistic representation of a woman celebrating the life she still has while navigating the reality of a sick body over which she has little control. Opoku’s work invites us to consider what it is to be both living and dying at once, a phenomenon heightened by a diagnosis and yet true for all of us every day. When I asked Opoku what had surprised her about her experience of illness, she said it taught her to live with more self-respect, to be more intentional about her art-making and her relationships.

I do not think any of us can fully imagine what our own response might be when faced with the vivid possibility of our own death or that of someone dear to us. But I know that on the occasions when I do confront the prospect of my mortality, I am led to think about how to live now, the state of my relationships, and the value I’m placing on any number of things or experiences. If contemplating our mortality can lead us to stop and ask ourselves if we are content with the way we are living, isn’t it worth the courage to look life and death in the face every now and then?

enuma.okoro@ft.com

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60 years of the shinkansen

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Five minutes before its scheduled departure at 6.16am, the Hokuriku Shinkansen pulls into Tokyo Station — with absolutely no right to look this good so early in the morning. The rising sun, splintered by a hundred office windows, dances on the blue and gold of the train’s arcing, aquiline nose cone. The carriages, gleaming in pearl white and shaped by the man who designed the Ferrari Enzo, come to a millimetre-accurate stop at the platform gates. Doors slide apart to the welcome of soft reclining seats, inviting you to sit down, open a perfect egg sandwich bought on the platform, and enjoy it at 260km/h. 

On Tuesday, Japan will celebrate the 60th anniversary of the first bullet train’s inaugural journey. It’s also three decades since my first shinkansen experience but 10 minutes into my trip from Tokyo to Nagano it all still feels a bit like cheating. There’s a nagging sense that I am exploiting the obsessiveness and largesse of a benevolent maniac. Japan, in its glorious, gadgety folly, has decided it must have this extraordinary thing, and it’s joyously ours not to reason why. It really shouldn’t be possible, for less than £42, to travel 200km into the mountains in this style, in a vehicle of this exquisite grace, at this speed, at this smoothness, in a system this supernaturally efficient and with so very little fuss.

The stylish and elongated nose cones of two trains sit side by side at a rail station
Two sleek E7 series bullet trains on the Hokuriku Shinkansen line in Nagano © winhorse

The train leaves central Tokyo. Then slips out of its immense suburban splurge with a progression of views that cannot ever tire because of how constantly Japan’s architecture is built, torn down and renewed. Look, and you will always see something new. After Oomiya, in northern Saitama prefecture, the tunnels that make all this straight-line speed possible begin to carve their way into ever longer stretches of mountain. 

Nap of Japan showing the Tokaido Shinkansen and Hokuriku Shinkansen routes

For all the external hurtle, the interior is calm. People are talking, but are doing so at a volume calibrated to minimise any bother to other passengers. A young woman in a suit breaks away from her companion to take a mobile call in the corridor. A few years ago, some bullet train operators started talking about the need for “office carriages” so that business passengers could type away on laptops without the appalling din of the keystrokes disturbing neighbours. My coffee barely ripples as the train slices into the darkness of the mountains, and I drift into a traveller’s doze.


I have chosen the short Tokyo to Nagano journey for both practical and emotional reasons. At 8am, I am meeting the manager of a venture capital fund who decided, even before the pandemic made this sort of relocation more common, to swap the throb of Tokyo for mountain air, a long skiing season and the proximity of the world’s finest miso factories.

A train speeds along a viaduct above a city street
A bullet train running through Tokyo in 1964, the first year of operation © The Asahi Shimbun via Getty Images
A train gliding along tracks
A shinkansen train in Shizuoka, 1964 © The Asahi Shimbun via Getty Images
Multiple rows of three-wide train seats in the interior of a train carriage
Inside a standard class carriage in the first bullet train model © The Asahi Shimbun via Getty Images

The shinkansen, playing the facilitating role it does — and always has — for so much of Japan, made his move perfectly reasonable. If he suddenly needs to be 200km away in Tokyo for something urgent, there is reliably a high-speed train every half-hour that will take him there in a little over 70 minutes.

Equally, the shinkansen’s most impressive magic is that my punctual, pre-breakfast skim to Nagano barely feels noteworthy. Japan has gone for an image of nonchalant supremacy in its high-speed trains, and succeeded spectacularly. The 6:16am train is busy, but not crammed, with business folk and foreign tourists. It is mainly populated, though, by that huge hinterland of Japanese conditioned to see high-frequency, high-speed rail as something close to a human right, relishing their station-bought bento boxes and on the move this morning for a million unguessable reasons.

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But the other cause for choosing this particular journey to celebrate the anniversary of the bullet train is my own history with it. The Tokyo to Osaka line — the route that launched the concept on the world and crystallised Japan’s sense of its postwar self — opened in 1964, just ahead of the equally nation-defining Olympic Games in Tokyo that same year.

The modern histories of Japan, which I devoured so hungrily as a student in the 1990s, rightly made a very great deal about this pair of events: a powerfully alluring explanatory duo whose shining moment as symbols of Japan’s great postwar resurrection happened, annoyingly, well before I was born. 

But in 1998, now fighting the suspicion that it was squelching irretrievably in the mire of an economic “lost decade”, Japan took another shot at glory: the Winter Olympics in Nagano and, to complete the historic echo, a newly opened bullet train that would eventually connect the capital with the host city. I travelled on this train (at the time only running between Takasaki and Nagano) early that year, eager to ride the newest line and see the preparations for the Games: a participant, at last, in a piece of living Japanese history.

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Some 26 years later, this much longer Hokuriku line — now extended into a great sweeping semi-circle that rises from Tokyo up to the Sea of Japan and then along its coast, is still in the news. A new extension, at its far western end, opened this year and adds the town of Tsuruga to the route. Grand plans for the future — and we are talking decades of proposed construction here — will see the route extended still further down to Osaka.

In 1964, the first shinkansen ran at up to 210km/h, on 550km of high-speed track. Today the network has extended to cover almost 3,000km and the fastest train, the long-nosed metallic green Hayabusa, reaches 320km/h.

A train with a heavily elongated turquoise-coloured nose cone in a train station
An E5 series shinkansen built by Hitachi and Kawasaki Heavy Industries, at Tokyo Station. Operating Hayabusa services, it runs at up to 320km/h © Zuma Press/Eyevine

The long-termedness of the vision, when you look at the current and future shinkansen routes overlaid on a map of Japan’s central island of Honshu, is astonishing. By the middle of the century, according to this blueprint, Japan will effectively have a shinkansen “circle line” running over 1,500km in a mighty loop of high-speed rail: west out of Tokyo to Kyoto and Osaka, north to Nagano and Kanazawa, but eventually joined. 

And it takes something much more than a large budget, cheap debt and fierce ambition to want to do this. In its 60 years of service, the shinkansen has allowed Japan the conviction — often in the face of economic stagnation and decline — that it is fundamentally still a “can do” culture. Tourists may be arriving and using the train in their millions but Japan’s native population is shrinking, ageing and, as the ratio of over-65s nears 30 per cent, becoming less mobile. The geography of its economy is contracting too as the younger population gravitates towards the larger cities and business closures fall heaviest on small rural towns. Logically, these megaprojects should be in decline.

But for all its intensely practical importance as a connector of industrial centres and an arch logistician of human movement, the shinkansen continues to play a role as an ideological encapsulator of Japan’s sense of what it is and what it should ideally strive to be. There has never been a fatal accident. Average annual lateness across the JR Central network is 1.6 minutes. When the natural world forces the shinkansen to stop, you know conditions are genuinely bad.

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The shinkansen has achieved that in a couple of important ways. The first is that, despite the appearance of effortless perfection of service, punctuality and performance, Japan knows full well that everything is, in fact, attributable to unstinting effort. It is no coincidence that, in the same year it opened the shinkansen, Japan Railways invented an alarm clock for its staff which could not, under any circumstances, be slept through (thanks to an inflatable balloon under the mattress).

A train passes in front of a snow-capped mountain
Speeding by Mount Fuji © Alamy
People standing in front of a field of sunflowers hold up their cameras to take photos of a yellow train speeding by on a bridge
Enthusiasts take photos of a ‘Doctor Yellow’ track-testing train in Ogaki, Gifu prefecture, August 2024 © Alamy
A yellow train passes through a station
The high-speed diagnostic trains monitor the condition of the track and overhead wires © Flickr Editorial/Getty Images

A second key factor is in the remarkable power of the bullet train to geekify almost anyone. Japanese are, by reputation, susceptible to this. But the truth is that we all are, in the face of industrial artistry on this scale. You can legitimately claim not to be interested in the technical details of the Kawasaki Heavy W series train, and may, indeed, not care about its advantages over the E Series. But a first close-up encounter with a shinkansen gliding into Tokyo Station; a first glimpse of Mount Fuji from the window of the Nozomi as the rice fields in the foreground blur; that gentle ear-pop as you fly from a tunnel while buying an ice cream from the snacks trolley — this is how geeks are made.

I am awake again 15 minutes before Nagano, entranced once more by the suddenness with which Japan becomes alpine. We alight to a different temperature, a different smell and, in a true gauge of the distance travelled, a different drinks selection in the vending machines. The shinkansen — more so than any other form of transport and by dint mainly of how stupendously easy Japan has made it to access — is the closest we will ever come to a teleportation machine.

Leo Lewis is the FT’s Tokyo bureau chief

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Peter Jay, economics journalist and broadcaster, 1937-2024

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In 1976, the then prime minister James Callaghan delivered an uncompromising message to the Labour party conference. “We used to think that you could spend your way out of a recession, and increase employment by cutting taxes and boosting government spending,” he warned. “I tell you in all candour that option no longer exists.”

This passage calling time on the postwar consensus was written by Callaghan’s son-in-law, Peter Jay, who was then economics editor of The Times, a position he’d occupied since 1967. 

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In his early days at The Times, Jay, who has died at the age of 87, was a vocal advocate of the devaluation of the pound. He regarded the old sterling exchange rate with the dollar as a “primitive bauble” that Britain ought to surrender if it was to have any hope of improving economic growth. 

After a visit to the US in the early 1970s, he fell under the spell of free-market economists such as Milton Friedman, and subsequently became, along with his great friend the Financial Times columnist Samuel Brittan, one of the leading British proponents of monetarism. He took some credit for helping to precipitate a “kind of fundamental crisis in the assumptions on which economic policy had been up until then largely conducted”.

Peter Jay was born in February 1937 into the bosom of the London Labour intelligentsia. His father Douglas was a journalist, civil servant and politician who served under both Clement Attlee and Harold Wilson. His mother, Peggy, was a Labour member of the London County Council, dubbed by a local newspaper the “uncrowned queen of Hampstead”. 

Like his father, Jay was educated at Winchester and Oxford. Academic life was a succession of prizes. “I was one of those people who always found it great fun to compete,” he said. Indeed, such was his success that at Oxford he was pronounced the “cleverest young man in England”, to which his response was: “Is there someone cleverer in Wales?”

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While at Oxford he met Margaret Callaghan, whom he married in 1961. They had three children. After graduating, he sat and failed the entrance exam to All Souls before eventually joining the Treasury, largely, he confessed, to get his father “off my back”. 

A chance conversation with a BBC journalist at a New Year’s Eve party in 1966 led to the editor of The Times, William Rees-Mogg, offering him the job of economics editor. He would earn some notoriety there when a bemused subeditor protested that he didn’t understand an article of his. Jay replied: “It’s not intended to be understood by people like you. It’s only intended to be understood by three people, two of whom are in the Treasury and one of whom is in the Bank of England.”

During his period at The Times, Jay also worked as a presenter for London Weekend Television, where he met John Birt, who would later become director-general of the BBC. He and Birt developed an influential critique of the state of current affairs television and what they regarded as its “bias against understanding”. 

In 1977, Jay’s already “sinuous” career took a remarkable turn when — at the instigation of the foreign secretary, David Owen, and not, as many assumed, his father-in-law — he was appointed Britain’s ambassador to the US, despite his relative youth (he was just 40) and his total lack of diplomatic experience. 

His two-year stint in Washington was most notable for the beginning of the end of his marriage, after Margaret had an affair with the journalist Carl Bernstein, an episode later lightly fictionalised by Bernstein’s wife Nora Ephron in her novel Heartburn. Jay, meanwhile, was sleeping with the embassy nanny, who became pregnant. He initially contested paternity of the child she bore but was ultimately shown to be the father. The Jays eventually divorced and he was married a second time, to Emma Thornton, a designer of garden furniture. 

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Back in the UK, Jay ricocheted from job to job. He led the consortium that won the independent breakfast television franchise, and in 1986 became chief of staff to the corrupt publishing tycoon Robert Maxwell. It was an unforgiving role in which he was “responsible for everything and in charge of nothing”, but he needed the money. Birt came to his rescue in 1990, appointing him economics and business editor of the BBC.

Arriving in Washington, it turned out, had been the high point of his career. “There’s a sense in which, after the embassy, I ceased to have any feeling of a career or a trajectory,” he admitted. “I thereafter thought of all my working activities as a kind of epilogue.”

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Full list of high street lenders to introduce big change to mortgage rules as borrowers warned to ‘act promptly’

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Full list of high street lenders to introduce big change to mortgage rules as borrowers warned to ‘act promptly’

SEVERAL high street banks have introduced a change to mortgage rules, leading experts to warn borrowers to “act promptly”.

The lenders have shortened the amount of time customers have to lock in a new interest rate ahead of their current deal ending.

Several high street banks have introduced a change to mortgage rules, leading experts to warn borrowers to 'act promptly'

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Several high street banks have introduced a change to mortgage rules, leading experts to warn borrowers to ‘act promptly’Credit: Alamy

It means homeowners coming off fixed mortgage deals will now need to act with more urgency.

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So, if you are a mortgage holder nearing the end of your fixed term, the clock is ticking to negotiate a new offer.

The length of time that a borrower has to secure a new fixed deal is decreasing from six months from the end of their current mortgage to four months.

One by one, major banks have been making the move – with Barclays being the most recent this week.

Here is the full list of banks which have changed their rules:

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  • Barclays – decreased to three months from September 25
  • Halifax – decreasing to four months on a staggered basis from September
  • Lloyds – decreasing to four months on a staggered basis from September
  • Santander – decreased to four months in June
  • Nationwide – decreased to four months in May

Other lenders, such as HSBC, NatWest and Virgin Money still offer customers six months to lock in their new deal.

Nicholas Mendes​​​​, mortgage technical manager at broker John Charcol, said: “This change means that the window of opportunity to secure a new fixed-rate deal at current rates is now shorter.

“Borrowers need to be more proactive and attentive to market conditions to ensure they secure the best possible rates within this reduced time frame.

“It’s advisable for those nearing the end of their current deals or considering a new mortgage to engage with their lenders or seek advice from a mortgage broker promptly.”

Best schemes for first-time buyers

An estimated 700,000 loans are up for renewal in the second half of 2024, says industry body UK Finance.

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A real concern for borrowers needing to remortgage is how much-fixed rates have risen in the last few years.

The average two-year fixed rate deal has increased from 2.34% in December 2021, to 5.56% as of September 2024.

Meanwhile, the average five-year deal has risen from 2.64% to 5.20%, according to the latest data from Moneyfacts.

The second half of the year has also been marked with repossessions, highlighting the financial struggles many are under right now. 

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UK Finance says that 980 homeowner-mortgaged properties were repossessed in the second quarter of 2024.

This is an 8% increase compared to the previous quarter and a 31% uplift in the same quarter in 2023.

But it’s not all doom and gloom. There is in fact a positive outlook on the housing market

The Bank of England reduced the base rate for the first time since March 2020 in August, dropping the rate from 5.25% to 5%.

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As a result, lenders have already started to follow suit and drop their fixed rates.

In fact, Nationwide is leading the way, currently offering a 3.74% home purchase plan deal.

Rachel Springall, finance expert at Moneyfacts Compare, previously told The Sun: “Each lender will have their own processes and timescales for getting applications through, so they can change the window of opportunity from time to time to cope with demand, but also as a reflection on changing interest rates. 

“Interest rates have been falling, so condensing the window can help lenders avoid re-applications. The same window can extend, depending on the situation of the market. 

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“Borrowers would be wise to seek out independent advice from a broker to navigate the deals available, but ensure they allow a couple of months to refinance before their current deal ends.”

The move also comes as Barclays announced a reduction in rates by as much as 0.34% for new buyers and those remortgaging. 

How far ahead can I lock in a new fix?

  • Barclays – three months
  • Halifax – four months
  • Lloyds – four months
  • Santander – four months
  • Nationwide – four months
  • HSBC – six months
  • NatWest – six months
  • Virgin Money – six months

Why have banks changed their rules?

The government introduced a new Mortgage Charter in July 2023 to help struggling households.

Lenders who agreed to rules in the Charter were encouraged to raise the amount of time households were given to lock into a new fixed deal to six months.

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This was to ensure households had the flexibility to choose a new deal ahead of time and before rates were predicted to shoot up even further.

However, this rule wasn’t compulsory and some lenders already had the policy in place.

Lloyds and Halifax increased the period customers could secure a deal from three to six months in November 2022 – eight months before the mortgage charter.

The group said it has switched to four months because of consumer behaviour and changes in the mortgage markets.

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Nationwide and Santander say it’s because mortgage rates are now more stable.

While, Barclays said the move was down to greater stability in the mortgage market, and that over 70% of Barclays customers applying for product transfers did so within the last three months of mortgage terms meaning the extended window was no longer necessary.

What does it mean for customers?

Locking into a new fix deal six months ahead gives homeowners plenty of time to do their research, find the right deal, and plan a budget.

However, if you’re a Lloyds, Halifax, Nationwide, or Santander customer who’s six months away from remortgaging, you’ll now have to wait another two months before you can lock in a deal with your existing provider. Barclays customers will have to wait three.

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If you’re looking to lock in a new rate six months in advance, you’ll need to get a quote from another lender.

Although, anyone who has a deal ending soon should speak to a broker to assess their options.

If your mortgage is due to expire in less than four months, the recent changes won’t make your situation any worse or better and you’ll be able to lock in a new deal from this point on.

Either way, borrowers can still check if they can still ditch their deal penalty-free and switch to another provider in case interest rates drop.

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In effect, sticking with the same lender becomes an insurance policy for the borrower, as long as they can get out of it.

Different types of mortgages

We break down all you need to know about mortgages and what categories they fall into.

A fixed rate mortgage provides an interest rate that remains the same for an agreed period such as two, five or even 10 years.

Your monthly repayments would remain the same for the whole deal period.

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There are a few different types of variable mortgages and, as the name suggests, the rates can change.

A tracker mortgage sets your rate a certain percentage above or below an external benchmark.

This is usually the Bank of England base rate or a bank may have its figure.

If the base rate rises, so will your mortgage but if it drops then your monthly repayments will be reduced.

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A standard variable rate (SVR) is a default rate offered by banks. You usually revert to this at the end of a fixed deal term, unless you get a new one.

SVRs are generally higher than other types of mortgage, so if you’re on one then you’re likely to be paying more than you need to.

Variable rate mortgages often don’t have exit fees while a fixed rate could do.

How to get the best mortgage deal

If your mortgage deal is nearing the end of its term, you should start to compare rates now and speak to a mortgage broker to assess your options. 

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It is then worth speaking with your current lender to see what deal they might be able to offer you. 

Getting the best rates depends entirely on what’s available at any given time.

There are several ways to land the best deal.

Usually the larger the deposit you have the lower the rate you can get.

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If you’re remortgaging and your loan-to-value ratio (LTV) has changed, you’ll get access to better rates than before.

Your LTV will go down if your outstanding mortgage is lower and/or your home’s value is higher.

A change to your credit score or a better salary could also help you access better rates.

And if you’re nearing the end of a fixed deal soon it’s worth looking for new deals now.

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You can lock in current deals sometimes up to six months before your current deal ends.

Leaving a fixed deal early will usually come with an early exit fee, so you want to avoid this extra cost.

But depending on the cost and how much you could save by switching versus sticking, it could be worth paying to leave the deal – but compare the costs first.

To find the best deal use a mortgage comparison tool to see what’s available.

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You can also go to a mortgage broker who can compare a much larger range of deals for you.

Some will charge an extra fee but there are plenty who give advice for free and get paid only on commission from the lender.

You’ll also need to factor in fees for the mortgage, though some have no fees at all.

You can add the fee – sometimes more than £1,000 – to the cost of the mortgage, but be aware that means you’ll pay interest on it and so will cost more in the long term.

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You can use a mortgage calculator to see how much you could borrow.

Remember you’ll have to pass the lender’s strict eligibility criteria too, which will include affordability checks and looking at your credit file.

You may also need to provide documents such as utility bills, proof of benefits, your last three month’s payslips, passports and bank statements.

Once you have taken a look at all your different options, you will want to consider the most important aspects. 

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These include your current rate, the terms and length and any exit fees, as well as your loan-to-value (LTV).

When your fixed rate ends you will automatically roll on to your lender’s standard variable rate (SVR), and these often are considerably higher than a standard fixed rate.

These can be as high as nearly 8% so switching before the end of your current term is a high priority.

Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.

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Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories

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Woman reveals very clever way to make cheap espresso martinis at the airport

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Holidaymaker Alexis Oliver shared her DIY espresso martini hack

A WOMAN has shared her clever hack to make cheap espresso martinis at the airport.

The holidaymaker revealed how to whip up the boozy concoction using ingredients almost entirely brought from home in your bags.

Holidaymaker Alexis Oliver shared her DIY espresso martini hack

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Holidaymaker Alexis Oliver shared her DIY espresso martini hackCredit: tiktok/@alexis.all.love
All you need is a cheap coffee and a couple of miniatures

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All you need is a cheap coffee and a couple of miniaturesCredit: tiktok/@alexis.all.love

Alexis Olive, a tech worker who makes food and drink content on social media, shared her top tips for a little pick-me-up on an early morning flight.

In a video posted to her TikTok, which has amassed over nine million views, she broke down the creation of the drink step-by-step.

Traditionally, an espresso martini is made with vodka, coffee liqueur and, of course, espresso.

But since most departure lounges charge top-shelf prices at their cocktail bars, Alexis has to get creative.

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All you need is a few miniatures and an airport coffee to get started.

First of all, go to a coffee shop and get an iced espresso.

If, like Alexis, you choose to get this from Starbucks, it can cost as little as £1.95.

She also added a pump of vanilla syrup, but this is optional if you like a little less sweetness.

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Then just add in a miniature of Vodka and one of a coffee liqueur like Kahlua or Tia Maria.

Bailey’s is also a good substitute if you can’t get your hands on any of the latter.

I tried Ryanair’s new £8 cocktails

Alexis explained : “I’ve even confirmed this with several TSA agents.

“The TSA says that alcohol can be stored in a passenger’s carry-on bag if the containers are 100ml or less.”

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Once you’ve added your booze just give the coffee a good swirl and enjoy for less than £7.50 all told.

Alexis added: “My mom showed me this hack.

“Some people wouldn’t consider it an espresso martini.

“It has Irish cream instead of coffee liquor, but I think it’s just your preference.

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“10/10 would recommend.”

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