Nationwide is offering first-time buyers a sub-4% mortgage for the first time since September 2024. The lender is cutting rates by up to 0.3% across selected two, five and 10-year fixes from tomorrow.

But you shouldn't be getting tetchy after 10 minutes, Wood says. "People also like this little power trip that 'I'm paying you to work for me'." Fellow chef Mcelderry says the average three-course ...