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Firms improving design of products and services under Consumer Duty, FCA finds

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Firms improving design of products and services under Consumer Duty, FCA finds

“The good practice we’ve found really matters because where products are poorly targeted, or firms lose sight of what’s happening across their distribution chains, consumers can lose out – whether that’s poorly performing products, slow complaint resolution, or paying for services that don’t meet their needs.”

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Bruno Guimaraes to Arsenal FC transfer twist as major new updates revealed

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Bruno Guimaraes to Arsenal FC transfer twist as major new updates revealed

However, Madrid boss Jose Mourinho confirmed after Saturday’s 2-2 friendly draw with Fiorentina in Austria that Vinicius Jr would report back for training on Monday as expected after his own post-World Cup break, alongside Brahim Diaz and new recruit Bernardo Silva, and he was pictured arriving at the club’s complex in Valdebebas.

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The terrible catch-22 of being trapped in an unsellable flat: What to do if prices are collapsing in your city

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A staggering 61.8 per cent of flat sellers in Sheffield city centre (S1 postcode) have sold at a loss over the past 12 months

Turmoil in the London flat market has now spread to other cities around the country, stark figures show.

Flat owners in city centres across Britain are seeing the price of their properties plummet.

A majority of owners selling flats in Sheffield, Birmingham, Leicester and Newcastle are now selling at a loss of almost £40,000 on average, This is Money can reveal.

A staggering 62 per cent of flat sellers in Sheffield city centre (S1 postcode) have sold for less than they bought their homes over the past 12 months, according to research from analytics firm PropertyData.

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It’s a similar story in Birmingham city centre (B1), where 61 per cent of flat sellers have sold at a loss over the past 12 months. 

The analysis looked at every sale in England and Wales in the 12 months to the end of May 2026 and matched them against the price the seller originally paid for the same property within the past 20 years.

The average flat owner sold for £39,509 less than what they had paid for it, while the average length of ownership was just under nine years.

It is no secret that flats are currently out of favour and therefore dropping in value across the country. 

The average flat sold on the market today is typically valued at less than it was worth four years ago, official Land Registry data shows. 

Average flat prices peaked in August 2022, when the typical property sold for above £200,000. As of May this year, the average price is back down to £192,000. 

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Across the country as a whole, 25 per cent of flat sellers have sold at a loss over the past year. But it is in city centres where owners are taking the biggest hit. 

Philip Jackson, of Maguire Jackson estate agents in Birmingham, says he is deeply troubled by the current state of the market in the city centre.

‘The chill of London has hit Birmingham,’ says Jackson. ‘It is the worst sales market I have ever known. We have been through a lot of depressions but we can’t quite work out how and when this one will end.

‘The market here is flooded with apartments to sell, most bought over the past 20 years. My quick analysis shows 1,400 flats for sale within a mile from my office.

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‘In one building there are 30 identical one-bedroom flats available for sale at the moment. Sellers have to price lower than all the others to stand a chance of selling.’

Why are flat prices plummeting?

The trend of falling prices has shifted up a gear in the past year.

Buying agent Nicholas Finn, of Garrington Property Finders, says this is mostly down to an oversupply of flats on the market. 

‘We always talk about there being a UK housing crisis, but I’m not so sure we have a flats crisis,’ he says. ‘It seems like the number of flats being built is just so much higher than the number of houses. 

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‘The skyline across so many cities is dominated by cranes. Birmingham has so many new developments being built and completed. The same goes for Sheffield. 

‘Even places like High Wycombe and Maidenhead have seen lots of flats developed. It’s the locations where supply has exceeded demand where many owners will now be selling at a loss.’

In the case of new builds, they are often sold at a premium to similar homes on the second-hand market.

This means you would expect it to take longer for these properties to increase in value. Anyone selling a new build in the first few years can typically expect a loss.

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While the market is flooded with properties for sale, Jackson says that there is more at play than just an imbalance in supply and demand. 

He says there has been a fall in interest from investors, too. ‘In the city centre here in Birmingham, a disproportionate number of homes are owned by investors as opposed to owner-occupiers. Given there is less interest from new investors, the current investors are struggling to find buyers.

‘Generally speaking, investors who bought between 2015 and 2020 are now selling for either the same or less than they paid. 

He adds: ‘Aside from that, the market here was hit badly by the cladding crisis post-Grenfell. There are still a lot of flats locked by cladding and people can’t sell unless they are prepared to consider a major price cut.’

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Another major problem is the leasehold tag that flats, whether new build or not, are burdened with. Leasehold flats often come with some off-putting strings attached. For a start, many have ground rents they pay to their freeholder in return for no services given.

While ground rents have now been outlawed for all new leaseholds, many still endure these costs.

Many leaseholders, especially those in apartment blocks, also pay annual service charges which go towards the upkeep of the building.

It commonly covers things such as insurance, cleaning, gardening, repairs of communal areas, surveyors’ fees, fire risk assessments and managing agents fees.

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For some apartments, it can also include a gym, concierge and parking.

Service charges have increased by an average of 41 per cent between 2019 and 2024, according to The Property Institute. It says the average leaseholder is now paying £3,634 a year.

A staggering 61.8 per cent of flat sellers in Sheffield city centre (S1 postcode) have sold at a loss over the past 12 months

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Where else are flat owners cutting their losses?

Areas in the North East, including Sunderland’s SR2 postcode, Darlington’s DL3 postcode and the Newcastle city-centre postcode of NE1 are all among the top ten areas where flat sellers are incurring the highest proportion of losses.

Richard Donnell, of property website Zoopla, puts it down to the lower property prices in these locations and the heavy exposure to city centre new-build flat schemes run in the 2000s and 2010s, which were aimed at buy-to-let investors. 

He says that many of these flats were secured at high initial prices on low mortgage rates. These owners now face a smaller pool of buyers today.

The lack of house-price growth in these areas means some flats are worth less than they were 15 to 20 years ago.

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However, severe flat losses are not limited to the North. Many affluent southern commuter-belt areas, alongside central London postcodes, have also seen flat owners bear widespread losses. 

Runnymede, Mole Valley, Hart, Woking, Uxbridge, Windsor and Maidenhead, Winchester and the London borough of Kensington & Chelsea have all seen large proportions of flat owners sell at a loss.

In Uxbridge (UB10) in west London, which includes parts of Hillingdon and Ickenham, 58 per cent of flat owners have sold their property for less than they bought it for over the past year.

Meanwhile, in Winchester’s SO22 postcode, 55 per cent sold at a loss.

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Donnell attributes this to the fact many of these flats were bought in the disproportionately low mortgage-rate window of 2016-2021. 

Flats bought in London and the South East between 2016 and 2022 have a higher likelihood of selling at a loss today, according to Zoopla’s analysis. 

‘These buyers are being hit by the mortgage rate shock on larger mortgages since 2022,’ Donnell explains.

‘Prime London has specifically faced weak overseas demand and stamp duty drag on demand, [which impacts] what people will pay.’

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Is now a good time to buy?

Many flats on the market are not selling at all, and it’s the sellers who are prepared to take a hit on price who are successfully finding buyers.

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This means that buyers have an opportunity to snap up flats at discounted prices.  

Savvy investors smell blood in the water, says Jackson. ‘Auction companies are doing very well. Predator investors and one or two owner-occupiers who work in the city centre can drive a hard bargain.’

Or, as buying agent Nicholas Finn puts it: ‘If you were an investor looking right now, you would only buy aggressively.’

But individual buyers can also drive a hard bargain in areas where a large number of flats are on sale.

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For first-time buyers, that could mean finding a cheaper way onto the property ladder, and for landlords it could mean securing a deal where the numbers stack up.

While flats are broadly performing badly today, it’s not universal – some sellers in certain locations are still selling at a profit, which suggests it’s more to do with local dynamics than an inherent problem with flats.

For example, in Chorlton (M21) in Greater Manchester not a single flat seller has sold at a loss over the past year.

In other areas of Greater Manchester, flat owners are also unlikely to sell at a loss. In Eccles in Salford (M30), only 6 per cent of sellers have made a loss, while 13 of the 215 flat sellers in Didsbury and Withington (M20) did.

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Even in Brockley in south-east London, only six of 118 flat sellers took a loss.

In Birmingham city centre (B1), 61 per cent of flat sellers have sold at a loss over the past 12 months

In Birmingham city centre (B1), 61 per cent of flat sellers have sold at a loss over the past 12 months

What can sellers do to cut their losses?

If you’re a flat owner in an area where the number of homes for sale is exceeding the number of buyers, you’re going to need to stand out – either via appearances or price.

Get the basics right for a start. Declutter, clean the windows, paint the front door and walls where needed, keep decor neutral and fix anything that might put a potential buyer off.

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If your flat is looking dated compared to others that are on the market, then investing in new kitchen cabinets and worktops or renovating the bathroom could be the difference between selling and not selling. Even a new carpet or flooring can help.

It may be tempting to try to list at an ambitious asking price, with a view of reducing it at a later date if your flat doesn’t sell, but experts warn this is usually a mistake.

Often, the longer a property remains on the market, the less interest it will attract – with potential buyers deeming the months of marketing or multiple price reductions as a sign there must be something wrong.

If you price your home below the competition, you are likely to get more offers and even a higher price than if you priced ambitiously. That is because a lower price could fuel that important ingredient that is so lacking among buyers right now – Fomo (the fear of missing out).

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Pricing below other flats that are similar to yours will boost your chances of attracting competing buyers, resulting in a bidding war that pushes the price higher.

Properties that have been discounted are twice as likely to see sales fall through, take much longer to sell and are more likely to not be sold at all, according to Rightmove.

Best mortgage rates and how to find them

Mortgage rates have shot up again due to inflation triggered by the conflict with Iran reversing hopes that the Bank of England would cut rates. This means those remortgaging or buying a home face higher costs.

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That makes it even more important to search out the best possible rate for you and get good mortgage advice, whether you are a first-time buyer, home owner or buy-to-let landlord.

This is Money’s partner L&C can help you with its fee-free mortgage service.

> Compare mortgage rates

> Find the right mortgage for you 

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To help our readers find the best mortgage, This is Money has partnered with the UK’s leading fee-free broker L&C.

This is Money and L&C’s mortgage calculator can let you compare deals to see which ones suit your home’s value and level of deposit.

You can compare fixed rate lengths, from two-year fixes, to five-year fixes and ten-year fixes.

If you’re ready to find your next mortgage, why not use This is Money and L&C’s online Mortgage Finder. It will search 1,000’s of deals from more than 90 different lenders to discover the best deal for you.

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> Find your best mortgage deal with This is Money and L&C 

Mortgage service provided by London & Country Mortgages (L&C), which is authorised and regulated by the Financial Conduct Authority (registered number: 143002). The FCA does not regulate most Buy to Let mortgages. Your home or property may be repossessed if you do not keep up repayments on your mortgage. 

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What happens to pupils’ Welsh after they leave school?

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What happens to pupils’ Welsh after they leave school?

Wales has an ambitious goal: to achieve one million Welsh speakers by 2050. Schools are central to this.

For many children, particularly those who do not speak Welsh at home, school is where they learn the language. But learning Welsh at school is not the same as continuing to use it after leaving. A learner acquires the language, but a speaker has the opportunities and confidence to use it beyond the classroom.

My research explores what happens when young people finish compulsory education at age 16. The evidence points to a recurring problem. Many young people appear to use Welsh less often, feel less confident speaking it, or stop identifying as Welsh speakers altogether once they leave school.

Yet, we still know little about how these changes happen, who experiences them, or why.

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Welsh is taught across Wales, but pupils’ experiences differ greatly. In Welsh-medium schools, Welsh is the main language of teaching. In dual-stream schools, Welsh and English-medium streams work alongside one another. In English-medium schools, Welsh is taught as a subject.

What happens to young people’s Welsh after they leave compulsory education?
Uniteam/Shutterstock

These routes do not produce the same outcomes. Welsh-medium education can give pupils strong language skills and opportunities to use Welsh. Pupils in English-medium settings may have less contact with the language and fewer chances to speak it.

Even strong skills at school do not guarantee continued use. At 16, the structures that supported Welsh use can disappear. A young person may enter an English-dominated college, university, apprenticeship or workplace. Their friendship groups may change. They may move away from a Welsh-speaking area. English may become the easier or expected choice.

The evidence

For my study, I reviewed census figures, surveys, qualitative studies and policy reports. Together, these suggested a consistent pattern but also serious limits in what we know.

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The censuses of 2001, 2011, and 2021, all recorded a lower percentage of Welsh speakers among 16 to 19-year-olds than among children aged 5 to 15. This might suggest a decline around the end of compulsory education.

But census figures cannot prove that. They compare different age groups rather than following the same people over time. Parents often answer for children under 16, while older teenagers answer for themselves. The census asks whether someone can speak Welsh, but not how often they use it, how confident they feel, or how strongly they identify as a Welsh speaker.

Research with young people suggests that reduced opportunities, lower confidence and the dominance of English in education or employment may contribute to less frequent Welsh use.

These are clues, but they only tell part of the story. They point to different reasons, without showing which matters most or how young people are affected.

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An exterior view of the Senedd in Cardiff Bay.
Wales has set itself the goal of achieving 1 million Welsh speakers by 2050.
Leighton Collins/Shutterstock

From learners to speakers

This creates a problem for Welsh language policy. Wales often measures progress by counting how many people say they can speak Welsh. But ability, confidence and use are not the same thing.

A young person may have learned Welsh at school but rarely use it afterwards. They may still understand the language, but feel uncomfortable using it with others. They may value Welsh while still seeing little place for it in their studies, work, or social life.

Such a person has not necessarily lost their Welsh. Their relationship with the language may have changed because circumstances have changed.

This problem is recognised at the highest levels of Welsh language policy. The Welsh language commissioner has identified the need to help young people retain their Welsh-language skills as they move into adulthood. Anna Brychan MS, the new cabinet minister for education and the Welsh language, has similarly warned that too many young people lose touch with Welsh after leaving school.

But recognising this problem is not the same as understanding it. This is not just a gap in research. It is a major problem for Welsh language policy. Without knowing what happens after young people leave school, policymakers cannot tell whether learning Welsh leads to using it in adult life.

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Existing statistics cannot tell us when young people’s relationship with Welsh changes, why this happens, or which interventions would help. Success therefore cannot be measured only by how many pupils leave school able to speak Welsh.

The next step is to follow young people more closely. Experts need to understand why some continue using Welsh, why others do not and what kinds of support make a lasting difference.

The one-million-speaker target cannot be achieved through schools alone. Its success will also depend on whether young people have meaningful reasons, opportunities and confidence to use Welsh throughout their lives.

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Scotland head coach leaves role due to ‘stress and strain’ on family

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Scotland head coach leaves role due to ‘stress and strain’ on family

Sione Fukofuka has been released from his position as Scotland head coach on “compassionate grounds”.

The Australian will return to his homeland to be reunited with his family after taking charge of Scotland late last year and leading them through one Guinness Women’s Six Nations campaign.

Forwards coach Dave Butcher will take interim charge and lead Scotland into the WXV Global Series in September and October, when they take on Canada and New Zealand before facing Australia three times.

Fukofuka said: “I’ve had to make probably the hardest professional decision of my life to step away from the role as head coach.

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“I approached Scottish Rugby and asked for a release from my contract under compassionate grounds. Effectively, the stress and the strain on my family, who are back in Australia away from me, proved too much to continue and to do this role the way it should be (done).

“With the time back home in Australia over the summer, it was able to give me a lot more insight into the sacrifices that they’re making, on top of those that I make as well.

“We also had a change in circumstances where, unfortunately, my wife’s parents are unwell, so that means the family relocating in the 12-month plan that we had is not feasible anymore.

“I can’t be away from my family for that amount of time and do the job the way it should be done.”

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The former Australia Women assistant coach and United States Women head coach thanked his employers for understanding his situation.

“There has been an understanding that aside from being a rugby coach, I’m also a father and a husband, and the impact that has on both my family but also on myself,” the 42-year-old added.

“Being here in Scotland has been amazing, I’ve loved every minute of living here and have really appreciated the opportunity, but not having my family with me and being able to share those experiences with them has been really tough.

“Our boys are quite young and are missing out on that support when I’m not there.”

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Scottish Rugby performance director David Nucifora said: “I would like to thank Sione for his contribution to Scottish Rugby and whilst we are disappointed to see him depart, we fully respect and understand the reasons why he has made this decision.

“Our priority remains supporting the women’s national team and women’s programme players and staff during this period, with work being done to ensure appropriate structures are in place ahead of WXV Global Series along with long term recruitment conversations.”

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Music Matters: Music by candlelight

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Music Matters: Music by candlelight

The music and words of two great singers will be celebrated later this year with two very special concerts that will be lit by candlelight. ‘The Music of Phil Collins and Genesis: The Candlelight Concert’ is taking place at Chichester Cathedral on Thursday, 8 October and will see singers and a band perform the many songs from Phil’s vast solo career along with his work as singer with the band Genesis. Phil really is one our musical national treasures, so it is sure to be a fabulous evening in the historic and atmospheric surroundings of Chichester Cathedral.

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Ukraine unleashes its most intense bombardment of the war, igniting fires across Russia and destroying drone factory

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Ukraine unleashes its most intense bombardment of the war, igniting fires across Russia and destroying drone factory

Ukraine has unleashed what is believed to be its most intense bombing campaign of the war, setting fires across Russia and blowing up a drone factory last night. 

A total of 1,165 drones, bombs and missiles were downed or destroyed by Putin‘s forces. 

In Belgorod, just 20 miles from Russia’s border with Ukraine, a drone factory was targeted by drones. 

Footage shared online showed the factory being blown up. A woman was heard saying: ‘Everything’s on fire there, everything. It’s a disaster, that’s where they make drones and teach you how to fly them. It’s ****ed, it’s all blown up.’ 

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In attacks on Ukraine’s best day of the war striking Russia, he lost two major oil refineries Saratov and Ufa, and a Wildberries base at Novosemeykino in Samara region, while also facing attacks on the Engels-2 airbase, home to his strategic bomber aircraft. 

Fuel trucks heading to Russia-controlled Crimea were also hit.  

Also among the targets of the strikes was a warehouse belonging to the Russian e-commerce giant Wildberries in the Vladimir region, about 112 miles east of Moscow.

‘A fire broke out at one of the company’s logistics sites in the Vladimir region following an attack,’ Wildberries said in a statement, adding that warehouse staff had been evacuated.

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Regional governor Alexander Avdeyev said the attack on the warehouse owned by ‘Russia’s Amazon’ was carried out by drones.

Ukrainian drones struck fuel trucks heading to Crimea

Among the targets of the strikes was a warehouse belonging to the Russian e-commerce giant Wildberries in the Vladimir region

Among the targets of the strikes was a warehouse belonging to the Russian e-commerce giant Wildberries in the Vladimir region

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‘There is damage and a fire,’ he posted on the Russian messaging app Max, adding that ‘a young man was injured’.

Since mid-July, Ukraine has struck around 20 sites belonging to Wildberries across various parts of Russia and in annexed Crimea.

The initial attacks on the night of July 17-18 left eight people dead and nearly 90 wounded at sites in the Moscow and Tambov regions.

Since then, Ukrainian drone strikes have targeted sites near Saint Petersburg, in Simferopol in Crimea, in Krasnodar and Volgograd, and in Samara.

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Wildberries is a highly popular online retail platform in Russia, often dubbed the ‘Russian Amazon’.

The attacks on its warehouses are part of a campaign of long-range Ukrainian strikes targeting civilian infrastructure in Russia, which has been waging a large-scale offensive in Ukraine since February 2022.

Kyiv says the aim is to force the Kremlin to negotiate an end to the war in Ukraine.

Russia said this morning that it was stepping up protection of ships in the Azov-Black Sea basin while also developing alternative cargo routes, in a move that follows a sharp escalation of attacks at sea by both sides in the war in Ukraine.

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The Russian transport ministry said that in response to ‘the tense situation in the Sea of Azov stemming from hostile drone attacks on maritime vessels’, it had set up a task force to find new routes and switch cargo flows to other modes of transport.

‘A number of stevedoring companies have already expressed their readiness to handle additional cargo volumes and accelerate shipment rates at their terminals, within the limits of their operational capabilities,’ it said in a statement.

Together with the defence ministry, ‘additional measures are being implemented to ensure navigational safety and to protect maritime vessels in the Azov-Black Sea basin’.

A burned car is seen after a Russian missile attack in Kyiv, Ukraine, Saturday, Aug. 1, 2026

A burned car is seen after a Russian missile attack in Kyiv, Ukraine, Saturday, Aug. 1, 2026

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A local woman reacts at the site of a Russian attack on a residential area in Zaporizhzhia, Ukraine, August 2 2026

A local woman reacts at the site of a Russian attack on a residential area in Zaporizhzhia, Ukraine, August 2 2026

Russia, the world’s largest wheat exporter, and Ukraine, also a major agricultural exporter, have been attacking each other’s agricultural export facilities and commercial vessels in the Black Sea area in recent weeks, driving wheat prices higher on global markets.

Russia’s main grain lobby group warned on Friday that Ukrainian drone attacks on Russian ships and ports could shut down grain exports via the Black Sea in the near future, pushing up prices and causing hunger in Africa and the Middle East.

Ukraine’s largest farming union, Ukrainian Agrarian Council, has also warned in recent weeks that Russian strikes on shipping near the southern port of Odesa were restricting Ukrainian exports in the key harvest period and could affect global food supplies.

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Transfer news LIVE: Arsenal close in on Vinicius Jr deal, Man Utd target left-back, Guimaraes to have medical

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Transfer news LIVE: Arsenal close in on Vinicius Jr deal, Man Utd target left-back, Guimaraes to have medical

Hull close in on Benfica striker

Benfica striker Franjo Ivanovic is close to joining Hull City, according to Record.

Talks have progressed over the terms of a deal that will likely see the Croatia forward join initially on loan.

(Getty)

Mike Jones3 August 2026 12:12

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Manchester United consider intriguing move for Arsenal defender

The Old Trafford hierarchy have long-standing interest in the Lewis-Skelly and are aiming to see whether Arsenal would do business, given the English champions’ plan to spend big over the next few weeks.

Miguel Delaney3 August 2026 12:00

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Juventus turn to Gugleilmo Vicario after ending Emi Martinez pursuit

Juventus have ended their pursuit of Aston Villa goalkeeper Emi Martinez, according to Fabrizio Romano, following a reported gap in valuation.

It means the club are now exploring a loan deal for out-of-favour Tottenham stopper Guglielmo Vicario, per Sky in Italy.

Juventus had also explored the conditions of a deal for Parma goalkeeper Zion Suzuki but face competition from Paris Saint-Germain and costs could be prohibitive.

(PA)

Mike Jones3 August 2026 11:49

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Spurs interested in Gakpo

Sticking with Tottenham, Spurs are interested in Liverpool’s Cody Gakpo with Roberto de Zerbi wanting another wide attacker.

Liverpool will not let Gakpo leave without a replacement lined up so there is work to be done on that front.

Gakpo also has four years remaining on his deal with the Reds meaning Tottenham would need to spend on a potentially high transfer fee.

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Mike Jones3 August 2026 11:38

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Romero gathering interest

Cristian Romero is expected to leave Tottenham this summer and there are reports of interest in the defender from Italy and Spain.

Atletico Madrid and Inter Milan both remain interested in Tottenham’s captain.

It was only a year ago that Romero signed a new deal and was made captain of the club but a summer exit would not be a surprise.

Mike Jones3 August 2026 11:26

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Tottenham teenager Mikey Moore set for another loan

Tottenham’s highly-rated young attacker Mikey Moore is poised for a loan move away from the club, with German side Koln currently leading the race for his signature.

The decision comes despite the 18-year-old’s promising pre-season performances under manager Roberto De Zerbi, as all parties agree another temporary spell elsewhere would best serve the versatile forward’s development.

Mike Jones3 August 2026 11:09

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Should Harry Maguire move on?

Former Manchester United striker Louis Saha says it might be time for the centre-back to leave the club.

“It’s time to consider if Harry Maguire should move on,” Saha said.

“I always come back to those moments where his career was under a lot of pressure, critics were coming from left, right, and center internationally.

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“He has done really well to still be in that conversation. He’s still a leader and a real asset, able to help us get back into the Champions League as an experienced player. I can still see him having a massive role.

“But in a personal way, looking for another challenge at the end of his career is something I can imagine as well. I do think United is still looking for a centre-back.

“We have difficulty having centre-backs that aren’t injured. We need that.

“Look at Arsenal, William Saliba is extremely important, and when he missed a few games, they missed out on winning the title because he wasn’t there. This year he’s been a rock.

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“United needs a rock-solid defence. We need someone who can play three-quarters of the games and help youngsters like (Ayden) Heaven and (Leny) Yoro get better at leadership.”

(Getty)

Mike Jones3 August 2026 10:55

Roberto De Zerbi unsure over Richarlison future

Roberto De Zerbi says he is unsure if Richarlison wants to stay at Tottenham.

“I don’t know because I like him as a player and as a guy,” De Zerbi said.

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“He’s unbelievable in terms of attitude and behaviour. But, in the end, we have to respect what he wants to do.”

When pressed on whether Richarlison wants to leave, he added: “I don’t know. I didn’t understand well because sometimes he says he wants to stay, sometimes he wants to leave. We have to speak anyway. There is not any problem. He’s a lovely guy.”

(Getty)

Mike Jones3 August 2026 10:43

Wales becomes first nation to withdraw support for Fifa president Gianni Infantino

The decision follows his controversial, bungled attempt to sell off stakes in the World Cup to private investors.

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Mike Jones3 August 2026 10:30

New Newcastle signing has his say

Lukas Hornicek has been speaking about his transfer to Newcastle and what the move means to him.

The Czech international revealed: “The last few days have been an emotional rollercoaster from when I first heard about the move and now I’m so happy to be here.

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“It’s a brilliant opportunity in a new league, which I’m very excited about.

“From the very first moment I arrived here, I received a fantastic welcome and really felt the warmth of the club. Everyone has been brilliant in helping me settle in.

“I know Newcastle is a huge football city, with 52,000 fans at St. James’ Park creating an incredible atmosphere and pushing the team every game. I can’t wait to play in front of them.”

(Getty)

Mike Jones3 August 2026 10:17

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Washington state wildfires cause 60,000 people to evacuate homes

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A woman dressed in black capris, grey jumper and black trousers wraps her arm around a young boy in black shorts, black top and black trainers, as both survey the damage of a burnt tree and rubble of a building

Wildfires have forced around 60,000 people to evacuate parts of Washington state, destroying hundreds of buildings and leaving thousands without power.

Three major blazes continued to burn around the city of Spokane on Monday, with officials warning that the fires had not been contained.

Spokane Mayor Lisa Brown described the situation as “the worst natural disaster our region has faced”, adding that authorities were assessing the extent of the damage and were “still discussing the potential for lives to be lost”.

No deaths or injuries have been confirmed.

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The fires in Spokane are among a total number more than a dozen wildfires in the state including 10 large ones, according to the dashboard, external on the state’s department of natural resources.

The National Weather Service (NWS) had warned of “extremely critical” fire weather over the weekend, with strong winds and unusually dry conditions helping the flames spread rapidly.

Scientists have said that human-induced climate change makes the warm, dry conditions that lead to wildfires more likely – as well as leading to more frequent and intense heatwaves, and potential summer droughts.

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Best free bets and betting sign up offers for 2026

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Best free bets and betting sign up offers for 2026

Betting sign up offers and free bets are available from UKGC-licensed betting sites for signing up and betting online on sporting events throughout the year, including football, horse racing, boxing, darts, tennis and many more.

At The Independent, our experts have used their impartial and detailed analysis to find new and existing customers the best betting sign up offers and free bets available.

We have stringent criteria when it comes to picking our top betting offers available. Our experts focus on accessibility, flexibility, fairness, key terms and conditions and regularity when selecting the best options out there.

Every betting site that we recommend is licensed and regulated by United Kingdom Gambling Commission, ensuring that new and existing customers are using a reputable betting operator.

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Free bets can be claimed from betting sites by new and existing customers, allowing bettors to bet without risking their own money.

Terms and conditions are attached to free bets and betting offers. Usually, bettors must deposit or stake a qualifying amount to claim a free bet, which can be used on selected sports and events.

Wagering requirements can be attached to free bet offers, which means winnings must be played through a set number of times before you can withdraw funds as cash, but this is more common on online casinos.

  • Bet & Get: The most common betting sign-up offer, bet a minimum amount, meet the T&Cs and receive a free bet bonus.
  • Moneyback specials: Typically an ongoing free bet promo, whereby punters get their money back as a free bet if there’s an underwhelming outcome such as a 0-0 draw.
  • Free bet clubs: Loyalty reward schemes aimed at those who bet regularly with one bookmaker in particular.
  • Enhanced odds with free bet winnings: A bookmaker offers a wildly inflated price on a popular market, such as 40/1 on Man City to win, with winnings paid out as free bets.
  • No deposit free bets: These are rare, but can be obtained via free-to-play prediction games on several online bookmakers.

Free bets are straightforward to use for customers, although the way they can be deployed may differ depending on your chosen bookmaker.

Usually, betting sites will have a box or toggle on your bet slip that users can tick or move to confirm free bets on their bet.

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An important note. If your bet wins, you only keep the profit, the free bet stake itself isn’t returned.

Bookmakers may require you to use free bets in precise portions, such as £5 or £10, while others will allow you to bet with amounts of your choosing until you’ve used up your balance.

Bet365: The Hundred Bet Builder Boost

Bet365 are offering customers a chance to claim a 25 per cent bet builder boost for betting on The Hundred today.

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To secure the betting offer, customers must place a bet builder on The Hundred game of the day with three legs or more and odds of evens or greater using the ‘Winnings Boost’ toggle on the bet slip to confirm the promo.

If the bet wins, customers receive a 25 per cent boost on top of their original odds.

William Hill: Scottish Premiership Epic Boost

The Scottish Premiership continues its comeback weekend and William Hill are offering an Epic Boost for Celtic’s opener against Dundee.

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Hills are offering an Epic Boost price for Celtic to score in both halves of evens boosted from 8/13 for wagers placed before the start of the game on the Epic Boost market.

If Celtic score in both halves, customers receive a payout at the Epic Boost price. Customers are limited to a maximum £10 stake with this promo.

BOYLE Sports: Celtic vs Dundee Bet Builder Boost

BOYLE Sports are offering a bet builder boost worth 50 per cent for qualifying bets placed on Celtic vs Dundee in the Scottish Premiership tonight.

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To qualify for the bet builder boost, customers must place a qualifying bet builder with odds of 3/1 or greater using the ‘Boost’ toggle on the bet slip before kick-off at 7.30pm BST.

If the bet wins, customers will receive a payout at the enhanced boost price.

Bet365: Celtic vs Dundee Bet Builder Boost

Bet365 are offering a bet builder boost worth 25 per cent for qualifying bets placed on Celtic vs Dundee in the Scottish Premiership tonight.

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To qualify for the bet builder boost, customers must place a qualifying bet builder with three selections or more with odds of evens or greater using the ‘Winning Boost’ toggle on the bet slip before kick-off at 7.30pm BST.

If the bet wins, customers will receive a payout at the enhanced boost price.

Betting Site

Offer Type

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Min. Bet

Free Bet Value

Best For

Sky Bet

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Welcome bonus

5p

£30

Low-stake sign up value

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Betano

Welcome bonus

£10

£50

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Football free bets

Tote

Welcome bonus

£5

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£20

Horse racing free bets

Bet365

Moneyback special

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£10

£10

Ongoing money-back as free bet offers

Virgin Bet

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Free Bet Club

£20

£5 weekly

Ongoing rewards for regular bettors

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Find the best free bet offers using The Independent’s value chart (The Independent)

Here are the standout betting offers on the market for users broken down into strength of category.

Sky Bet – Best low-stake betting sign up offer

Sky Bet provide best low stake betting sign up offer for new customers offering users the chance to bet as little as 5p to secure the welcome bonus worth £30 in free bets to use anywhere on the betting site.

Sky Bet offers customers the complete range of its sportsbook to place their qualifying bet. The odds requirement of evens are higher than some of its rivals, but the 5p stake more than makes up for this with a relative low risk compared with others.

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Once the qualifying bet settles, Sky Bet pays out your free bets within 24 hours. This can take as little as a matter of hours with Sky offering one of the fastest payouts among online betting sites.

Sky credits your free bets as 3 x £10 free bet tokens to use on the sportsbook. The free bet tokens are slightly more restrictive than other operators that allow users to split their bonus entirely on their choosing, but there are no restrictions where users can place their free bets in terms of sports or markets.

There’s also plenty of time to use the Sky Bet welcome offer, with up to 30 days to use the free bet balance before it expires. For first-time bettors it’s a perfect betting sign up offer for optimum value, needing only 5p to qualify.

Betano – Best football betting sign up offer

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Betano is the best option for punters looking for free bets at leading football bookmakers, with the Betano sign up offer providing £50 in free bets with an initial wager of just £10 (an excellent return for a low entry stake).

The offer includes a straightforward qualifying bet with minimum odds of evens and no accumulator required, while the 30-day expiry on free bets gives users flexibility, with plenty of time to use bonuses.

Newcomers can get £50 in free bets after an initial £10 bet
Newcomers can get £50 in free bets after an initial £10 bet (iStock/The Independent)

This new betting site provides great variety on its football markets – from match odds and BTTS to goalscorers, correct scores and much more – and users will also find regular offers and promotions once signed up to the site.

Tote – Best for horse racing free bets

The Tote betting sign up offer is an excellent choice for horse racing fans, with a £5 bet returning £20 in racing value – a strong 4x reward for such a low qualifying stake.

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The offer provides £10 in Tote Credit for horse racing – which is ideal for pools, exotics, and Tote-only markets – as well as £10 in free bets to use on the sportsbook, offering plenty of flexibility for new customers.

The qualifying bet simply need to be a £5 bet on any sport (with some exclusions, though win, place, or pool bets all count) at odds of evens or greater, and winnings are fully withdrawable, with Tote Credit profits available to be cashed out, keeping risk low.

Tote also guarantee boosts payouts paid at SP or better, adding an extra upside for horse racing bettors and making Tote the best choice among horse racing betting sites.

Bet365 – Best for moneyback as a free bet

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Bet365 have recently launched its moneyback specials across a number of sports, including football and horse racing, as well as a range of major events.

Customers can wager up to £10 and will receive their stake back in free bets if their bet fails. The system is simple for claiming the betting offer, with users ticking the ‘Money Back As Free Bets’ box on their bet slip to qualify.

Free bets are usually credited within a matter of hours, but it can take up to 24 hours. Free bet credits can be used anywhere on one of the best betting sites in the business with no limit on where and how your credits can be spent.

Bet365 customers can get up to £10 back as a free bet on losing racing and football bets
Bet365 customers can get up to £10 back as a free bet on losing racing and football bets (iStock/The Independent)

Bet365 moneyback specials are most common on football, and notably the Premier League where the highlight games of the week are covered with a moneyback special notably on Saturday and Sunday evenings, although Champions League and Europa League midweek games have also featured this betting offer.

The nuts and bolts of the requirements are as follows. Customers must place a qualifying bet builder on the eligible game or event, with bet builders needing only evens (2.0) or higher odds.

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Bet365 also attaches its Sub Play On feature on football bet builders in conjunction with the moneyback special, which keeps bets alive even if a player is subbed.

Virgin Bet – Best free bet club

Existing customers can use the weekly Virgin Bet rewards club to claim £5 in free bets for placing qualifying accas.

Users only need to opt-in on the promotion before placing four £5 accas with odds of 2/1 or greater between Monday to Sunday, making these qualifying stakes smaller than most rival free bet clubs.

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Virgin Bet have an extremely low minimum odds requirement to use your free bet at 1/100.

Claim £5 in free bets for placing qualifying accas on Virgin Bet
Claim £5 in free bets for placing qualifying accas on Virgin Bet (iStock/The Independent)

You’re spoiled for choice, and better yet, there are no restrictions where you can use your bonus.

In addition, the seven-day expiry gives plenty of time to use the bonus, meaning the free bet club offers huge flexibility.

After the qualifying bets have settled, Virgin Bet pays out the £5 free acca bet into your account and to activate the free bet offer, simply use the toggle on your bet slip to use up the credits.

Below, we’ve provided some detail on common traps that users can fall into when claiming free bets:

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Stake not returned on free bets

Not all free bet offers return the original stake if your bet wins. For example, a £10 free bet at 3/1 pays £30 profit, not £40; always factor this in when comparing headline free bet amounts.

Short expiry windows

Free bets usually expire within 5-7 days of being credited, and occasionally less. Unused free bets are removed automatically once they expire, so casual or infrequent bettors can lose value this way.

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Remember to always check the expiry date as soon as the free bet is added.

Bet builder or market restrictions

Some free bets are limited to certain types of use. For example, some are football bet builders only, accumulator bets or bets fixed to specific sports, leagues or events. These restrictions reduce flexibility and can increase risk.

Bet builder-only free bets often require multiple selections to win, meaning long odds, and it is the same with accas. Remember to check eligible markets before placing your qualifying bet.

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Minimum odds requirements

Betting offers may require minimum odds on either the qualifying bet or the free bet itself, and sometimes both. Higher odds thresholds can push bettors toward riskier selections, while a smaller free bet with low odds requirements can offer better value.

Cash-Out and In-Play exclusions

Remember that cashing out a qualifying bet often voids eligibility for the offer. Some free bets also cannot be used on in-play markets.

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These exclusions are commonly hidden in the T&Cs, so avoid cashing out unless you’re sure it won’t affect the promotion.

Wagering requirements and bonus conditions

Wagering is uncommon on free bets, but it is not unheard of. Some promotions attach extra conditions to winnings or follow-on bonuses instead.

Offers requiring winnings to be wagered multiple times reduce real value, while simpler “bet and get” free bets are usually the safest option.

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Before a bookmaker makes our list of free bet offers, they must meet key criteria to ensure a high-quality betting experience.

1. Licensing

Only sites with a valid UK Gambling Commission (UKGC) licence are considered on our list of recommended operators.

The UKGC ensures fair play and consumer protection, working alongside independent testing agencies like eCOGRA. If a bookmaker isn’t regulated, it’s not safe – anyone can verify a licence via the UKGC register.

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2. Security

Every bookmaker we recommend must implement high-quality security measures such as SSL encryption and two-factor authentication to protect customer data.

3. Reputation

Reputation also plays a role – established brands like Betfred, William Hill and Bet365 consistently rank highly with us, but we also highlight new, reputable operators such as BetMGM when their free bet offers meet our expectations.

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4. Mobile

With most bets now placed on phones and tablets, mobile betting functionality is essential.

Bookmakers with dedicated betting apps that mirror the desktop experience are given preference, and we also consider user app reviews from the Apple and Google Play stores.

5. Experience

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The customer experience is equally crucial – we rigorously test bookmaker support channels, favouring those that provide fast, effective resolutions.

Ultimately, our rankings focus on the quality of the free bet offers, but we also take into account matters including odds restrictions, timeframe to both unlock free bet offers and use your bonus funds, wagering requirements and available payment methods.

6. Value

Operators that provide valuable betting sign up offers, competitive terms, and ongoing free bet promotions for returning customers get the highest ratings.

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Why trust us?

Chris Wilson is a betting content producer and sports reporter who has been working at The Independent since 2023.

He writes betting tips across a range of sporting events as well as reviewing dozens of betting sites and casino sites across the UK.

Chris has extensively tested and reviewed offers from established operators and new betting sites to find the best free bet offers for readers of The Independent.

Responsible gambling is always at the forefront of his research, ensuring customers have a fair and secure experience claiming and using betting offers online.

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If you decide to engage with any of the online betting sites highlighted on this page, remember to gamble responsibly, even when using free bets and betting sign up offers.

When betting, always assume you’ll lose and therefore, only bet what you can afford to lose. Even free bets still involve a level of risk.

The same applies if you’re using new online casinosslot sitespoker sites or any other form of gambling.

Make sure you use the responsible gambling tools offered by betting companies such as deposit limits, reality checks, loss limits and time outs. These can stop gambling from getting out of hand.

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If you have gambling-related concerns, then seek independent help. There are several UK charities and institutions that offer support, advice and information, with a few listed below:

We may earn commission from some of the links in this article, but we never allow this to influence our content. This revenue helps to fund journalism across The Independent.

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Motorcyclist ‘seriously injured’ after crash in Cambridgeshire suburb

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Cambridgeshire Live

The crash involved a car and a motorcycle

A person was seriously injured after a crash in a Cambridgeshire suburb. Cambridgeshire Police were called to the A15 at Hampton Vale, Peterborough, on Saturday (August 1) at around 1pm.

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A crash took place between a car and a motorcyclist. A police spokesperson said: “We were called at about 1pm on Saturday with reports of a collision between a car and a motorcyclist on the A15 at Hampton Vale.

“One person was taken to hospital with serious but non-life-threatening injuries. No arrests and the London Road carriageway was reopened just after 2pm.”

The East of England Ambulance Service has been contacted for further information.

Do you want more of the latest Cambridgeshire news as it comes in from across the county? Sign up to our dedicated newsletter to make sure you never miss a big story from Cambridge or anywhere else in the county. You can also sign up to our dedicated Traffic and Crime newsletters for the latest updates on the topics you are most interested in.

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