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.

The Newcastle-born 66-year-old has cooked professionally in Saudi Arabia, Dubai, Libya, Switzerland, Malta, France and New York – but, for him, it's the British diner who is worst at finding fault.