When Tesco manager Walter Kadramer and his wife Ciena, a receptionist, started thinking about buying their first home in west London, they couldn’t imagine how they would be able to afford somewhere worth £330,000.
But that’s exactly what they’ve done.
Developer Fairview Homes offered a perk which added 50 per cent of whatever deposit they were able to put down through its “top-up incentive”.
Are you having as much sex as everyone else?
It’s natural for libido to wax and wane due to life events, dating status or hormonal changes.
And it can be hard to say what a “normal” sexual frequency is. But research and case studies give us a rough idea.

The statistics
When it happens
61%
A 2023 survey concluded that almost two thirds (61 per cent) of us wait until night-time to have sex.
Only 14 per cent opt to get busy in the early evening, and 10 per cent in the morning.
Research from 2019 suggests that the average number of times British live-in or married couples have sex per month is three.

Are Gen Z having less sex than older people?
I see my partner on the weekends and have sex with others in the week.
Leanne, a 27-year-old influencer from Bristol has sex three or four times a week, but only sees her long-distance partner on the weekends. They have agreed they can both sleep with other people during the week.
35-year-old Rebecca usually sleeps with her partner once or twice per week due to not having much child-free time.


Clare, 32, says her job is busy and she has to schedule sex with her partner on weekends, or some afternoons twice a month. “Occasionally this slips and I do worry that it makes us not as connected,” she says.

I haven’t had the issue of my sex life drying up with menopause. I’m more aroused now.
I’ve been married for 15 years. I love my husband, but our sex life is non-existent, and has been for about five years.


I’m not really motivated to seek out partners; I vaguely like the idea of it but not enough to take any action.
I’ve been married for 20 years and sex has become something of a rarity. We maybe have sex once a week on a Sunday morning as we’re both relaxed and I can take Viagra late on Saturday night – without it, I can’t perform.
JACK, 63, OFFICE WORKER, KENT


The seven rules that could save your marriage
Keep your sense of self
I did what I thought I was supposed to do and forgot my needs and wants. I think it’s really important that you’re an individual and not just a person who is married.
KATIE STRATFORD*, A 55-YEAR-OLD MUM OF TWO, WHO DIVORCED ATER 19 YEARS

Seven rules to save your marriage

The small things
Small things, like being brought a cup of tea or saying thank you, make a big difference.
Karen Deulofeu, who ended her six-year marriage, believes all couples should seek support, even before they think they need it.


Listen properly by repeating what you have heard and ask if you’ve got that right.
Don’t lose communication
People don’t talk about the deep issues; nobody else is going to do it for you. You don’t want to ask questions because it might rock the boat…you have to keep talking, and talk about what it is that you want within the relationship to keep going forward.
KATIE STRATFORD

Seven rules to save your marriage
Remember that things change
“What you see on social media and what friends say is quite often the nice version. Everything is a phase,” says Deulofeu.


Look at yourself first
“Focus on what’s in your control and what you can do differently, rather than the other person or a situation that you can’t control. Invest in understanding yourself,” she adds.
There are things that all mid-life men should know about keeping their hearts healthy.
From eating more purple fruit to avoiding large bowls of pasta, consultant cardiologist Dr Zoe Astroulakis [below] shares her simple lifestyle habits she wishes her patients would take on board.

Positive changes to make
Swap ‘bad’ fats for healthy ones
You don’t need to eat a fat-free diet; the key is to reduce your saturated fat. Reduce your dairy and swap your red meat for lean meat such as chicken and oily fish.


Control your portions
You don’t need more carbohydrates in a meal than you can fit in your hand. Enormous plates of pasta can cause blood sugar spikes, which can lead to health problems.
Positive changes to make

Look for purple
Blueberries, black grapes and aubergines are great for boosting “good” cholesterol.
Have oats
Porridge is one of the healthiest breakfast options because it’s full of soluble fibre.


Stop taking cocaine
It can provoke a massive heart attack, even in younger people who don’t have existing artery problems.
Positive changes to make
Do cardio too
Don’t only focus on lifting weights. It might make you look toned, but it says nothing about the health of your heart.


Check your levels
You can get free blood pressure checks in many pharmacies or you can buy a monitor for around £30 to use at home.
Avoid night shifts
It disrupts the body’s circadian rhythm and can lead to increased cholesterol.

Want a new career but worried it’s too late?
Mid-life is not too late to start again, says experienced recruiter Elizabeth Willetts [below].
Here, Willetts shares the best jobs to switch to during midlife if you want a change – without sacrificing pay.

Changing careers in your fifties
Mid-life career pivots can lead to higher earnings.
7.4%
According to the Organisation for Economic Co-operation and Development, workers aged 45 to 54 who voluntarily pivot jobs see an average wage growth of 7.4 per cent.
3.5%
And those aged 55 to 64 still see a 3.5 per
cent increase.
The AARP Global Employee Survey also found that over half of workers who changed jobs voluntarily experienced improvements in work flexibility and mental health.
So what job options are there?
Virtual assistant
As a virtual assistant your workload will be very varied and it could be anything from tidying inboxes, booking travel, sending invoices or updating spreadsheets.


You can start out earning around £20 to £35 an hour, but it can scale into agency work, launch support or even project management. Some earn very well.

What it involves
You will source, screen and interview candidates to match them with the right job roles.
Who it’s for
You don’t need any qualifications but it’s suited to communicators and commercially-minded people.


The pay
The salary van vary from £25 to £50k, but you can earn around £100k depending on commission.
Jobs to switch to in your fifties

Estate agent
It offers flexible hours and weekend staff can earn £15 per hour.
This form of coaching for businesses could earn around £250 to £1,000 per day.


In the lower end, a sales rep can make £30k and on the higher end £50-60k, plus commission.
Why coaching is a good option
Coaching is incredibly varied and can be anything from career coaching, to confidence and leadership coaching.
- As it is an unregulated industry, you don’t need qualifications but the more reputable option is the International Coaching Federation.
- It’s a great career option for older people because clients genuinely value your wealth of life experience.
- It’s flexible, scalable, and you can start doing it part-time alongside another role.
- It could make you anything from £200 an hour, all the way up to £500 p/h+.

This can be across HR, operations, marketing, finance, people strategy or project management, as it’s varied.
Price on value, not hours – if your advice saves a client £200k, charging £150 an hour undersells what you’re worth.

Do some foods leave
you feeling hungry rather than satiated? Experts say there are…
Foods that leave you hungrier
A bowl of cereal and glass of orange juice
More refined cereals are digested quickly, and fruit juice, whilst one of your five-a-day, contains less fibre than whole fruit. This might mean you find yourself hungry again within 1-2 hours of eating this breakfast.


Swap the orange juice for a whole orange, the cereal for oats and milk or serve it with Greek yoghurt or a boiled egg. This would increase the fibre and protein content; two nutrients strongly linked with fullness.
Foods that leave you hungrier

These pastries are made primarily from refined flour and butter, and are relatively low in protein and fibre.
Toast and jam


Shop-bought packs can contain a lot of white rice, which is digested quickly, and the protein content is often modest.
Foods that leave you hungrier

Vegetable soup
On its own, it is often very low in protein and calories, so hunger can return quickly.
Unless it’s loaded with veggies, it’s probably pretty low in fibre.


Liquids are generally less filling as they require little chewing which may not trigger satiety signals.
Foods that leave you hungrier

Snack bars
They are ideal for a quick pick-me-up, but if reducing hunger is what you’re after, it’d be better to swap it out.
Low-fat yoghurt
A full-fat plain Greek yoghurt with berries and seeds tends to be much more filling due to the protein, fat and fibre.


On an empty stomach, it can actually increase your appetite.
What to eat instead
Instead of thinking about avoiding foods, think about what you can add to them.
- Add beans, lentils or shredded chicken to your vegetable soup and pasta.
- Thicken your smoothies with Greek yoghurt, chia seeds and oats.
- Apple slices with peanut butter, yogurt with berries and hummus with oat biscuits are better snack options than a pre-made snack bar.
- Have alcohol alongside a balanced meal containing protein and fibre.
How to age well
without pain
Will Harlow, a physiotherapist
for the over-50s and author of Independence for Life, shares
the key signs you’re ageing
badly – and what to do about it.

How to know
Ageing well is maintaining the ability to do what you want you want for as long as you want without needing help. Everyone is talking about longevity but what’s the point in living longer if the last decade is painful and you’re [totally] reliant on people?”

The signs to look out for

- The most obvious early warning sign of bad ageing is pain says Harlow.
- Another is losing confidence in doing daily tasks, which can quickly lead to a lack of independence.
- One call Harlow often receives is people calling after having a fall and struggling to get up.
How to age without pain

Not just stopping
When people retire, they often put their feet up and stop. Your body really is use it or lose it.
Throughout our entire lives, Harlow says we need between seven and nine hours of sleep.


Social isolation
The lack of connection can increase the risk of premature death by
as much as 29 per cent.
Strength training
It really is the proxy for
overall independence.
The more muscle mass you have, the less chance of heart disease, diabetes, falls and even anxiety, depression and dementia.

The brain can be linked to muscle mass too, Harlow says. It’s not just about being able to lift things. It gives you more energy, better sleep and you’ll look and feel better.
How to age without pain
Daily habits
Do short bursts of exercise, between 30 and 60 seconds, in otherwise dead time during the day.


Stretch in bed
Take joints through a full range of motion for five minutes to loosen it before getting up.
Don’t crash diet

How to age without pain

Harlow advises 1.6 grams per kilogram of body weight to stop muscle loss alongside resistance training.
Don’t wait
Harlow finds that many patients put off making a change to their lifestyle until their lives are consumed by pain.


For most people, it’s about reducing the number of times per week you’re exercising, not reducing intensity.
The three ageing tests to do
- Lie completely flat on the floor and get back up to a standing position using any technique. This should take less than 10 seconds.
See how many times you can sit on the chair and stand back up again in 30 seconds. Men should be aiming for more than 14 times and women 12.
The single-leg stand, which involves standing on one leg and balancing for 10 seconds. Everyone should be able to do that and for those under 65, Harlow asks them to do it with their eyes closed.
Despite the job market hiring fewer entry-level roles, employers are still looking for grads…
But you should be prepared to keep an open mind.
We’ve compiled the sectors hiring graduate roles, what degree is required, and what they pay.

The degrees to choose for a career
Hiring in the UK could
finally be on the up
47%
of employers offered entry-level
positions from July.
That is up nearly 15 per cent from the same period last year.
700,000
But graduate unemployment rose to six per cent in 2025 and 700,000 jobless graduates were claiming benefits.
Finance and insurance
- Around 42 per cent of UK finance and insurance employers say they will be open to graduate roles this summer.
- Business loan company Portman Finance Group has taken on 50 graduates over the past four years.

Portman graduates start on £36,000 for the two-year programme and the education you need to apply is a minimum “ABB” of A-levels, and a 2:1 or above university degree. But not in a specific subject.

Trade and logistics
What makes it particularly rewarding is that there’s always something to learn.
Nearly half (47 per cent) of trade and logistics companies will be giving graduates a go this year.
Salaries start at £30,000 with an uncapped bonus, rising to £50,000 plus a company car as a senior account partner.
Public sector, health
and social services
46 per cent of public sector, health and social services organisations are also ready to take graduates, according to a survey by Manpower.

- For example, Police Now runs a graduate programme into policing. They recruit graduates from any degree field, as long as they achieve a 2:2 or above. Starting salaries range from £31,164 to £42,210 depending on location and rising each year.
Can we treat guests without blowing our budget?
According to Waitrose, a dinner party revival is underway led by younger people trying to reduce the cost of getting together.

Always have bread
People will feast on the
ELLA RISBRIDGER, AUTHOR OF THE KITCHEN BOOK – GOOD FOOD FOR EVERY DAY
bread, and then need less fish/steak/expensive whatever. All small plates restaurants know this: this is why the first thing on the menu is always artisan bread and butter.

Use vegetables as centrepieces


Add pantry items
Graham’s recipes include a braised cabbage with a preserved lemon sauce, a roast cauliflower with saffron, and harrisa roast carrots with mango labneh.
How to host on a budget

Improve the everyday
Guests will always appreciate a stellar interpretation of the ordinary. Think lasagna or curry.
Cooking dinner for your guests is spoiling them – you’re being generous with your time, your effort, and your home. So don’t feel the need to go overboard elsewhere.


Ask for help
Ask friends to bring a contribution, be it a nibble or a pudding.
Big platter energy
[Presentation] can be the key to elevating something . Spaghetti and tomato sauce suddenly looks like a feast when tumbled on a lovely big plate, dressed with olive oil and parmesan and placed in the middle of the table.
Food writer and editor Eleanor Steafel

How to host on a budget
Taco party
Have one expensive filling, like shredded chicken, and two cheaper options, like refried beans, says Ella Risbridger.


Shop-bought ice cream is so easily zhuzhed up with the help of handy toppings, says Eleanor Steafel.
The couple, both in their thirties, put down £33,000 towards the flat, with Fairview adding £16,500 – taking their deposit to £49,500. That meant their loan to value – the amount they would own versus borrow – was 85 per cent, unlocking cheaper mortgage deals.
They ended up getting a 4 per cent interest rate on their mortgage, taking their monthly repayments to £1,400 – considerably cheaper than the £1,575 they had been spending on rent for their one-bed flat in Hounslow, west London.
“It took a lot of commitment and there was no secret trick,” Walter said.
“We decided not to ask family or friends for help. We wanted to do this ourselves, with our own hard-earned money, and the top-up was a huge bonus,” he added.
Having worked at Tesco for nearly five years following a career in hospitality, Walter believes his experience demonstrates what is possible with careful planning and taking advantage of the right help.
“There’s this idea that people like us can’t buy,” he adds. “But if you plan, save, and stay focused, it can happen. It’s not easy, but it’s possible.”
Walter and Ciena are among thousands of buyers taking advantage of sweeteners to get on to the property ladder, with increasing numbers of housebuilders offering free cash and perks to tempt prospective customers.
Around 76 per cent of new four-bedroom homes were offering some kind of promotion to buyers, according to research by e.surv last year – up from 48.5 per cent in 2021 – along with 60.6 per cent of three-bed homes, up from 41 per cent.
According to e.surv’s research, the most common perks currently being offered by property firms are cash for deposits, money towards interior or appliance upgrades, and cash for stamp duty payments.
A common approach is to top up buyers’ deposits – often by 5 per cent – so if you can put down 10 per cent, the builder will add 5 per cent, taking your deposit to 15 per cent, for example.
But the offers are getting increasingly unusual and creative.
At the Kantha Quarter development in Poplar, London, first-time buyers are currently being offered £300 per month towards their rent while their new home is under construction and until legal completion.
Developers are also offering extras like gym discounts, furniture bundles, or specific gadgets. Redmile, a property developer, is handing buyers two one-year memberships to local gyms at some of its new-build estates, alongside paying up to £2,000 in legal fees and £2,000 in estate fees.
And this week, it was revealed that developer Berkeley Group was offering to pay for up to two years of fees at St John’s Preparatory and Senior School if families bought one of its homes at Trent Park in Enfield, north London.
The fees cost up to £20,880 a year for children aged 11 and over, meaning parents could save over £41,000 on school costs.
Why are builders offering sweeteners?
Industry experts say property firms are increasingly using these promotions to attract demand without having to reduce their headline asking prices, which protects the overall valuations of their developments.
They have traditionally got around reducing prices by offering cash incentives, allowing buyers to access the property at the headline price but effectively paying less out of pocket.
However, property gurus note the expanding range of freebies suggests buyers are being more cautious with spending, forcing developers to entice those sitting on the fence.
Tracey Dixon, mortgage specialist at Pure Mortgage and Protection, said buyers have more choice now than several years ago and are therefore taking longer to commit, so developers “know they need to offer something extra to stand out”.
“Rather than cutting headline prices and risking values across the development, builders are becoming far more creative with incentives to help buyers make the numbers work,” she said. “These incentives tell us demand is still there, but affordability is dictating how homes are being sold.”
Anthony McQuilliam, director of Bolt Mortgages, added: “We’re seeing a growing shift towards more creative incentives because buyers remain cautious and are scrutinising every cost.
“Higher mortgage rates over the past few years have changed purchasing behaviour, even for wealthier buyers, so developers are having to work harder to convert interest into reservations.
“Incentives are increasingly being tailored to specific buyer groups, too, whether that’s stamp duty contributions, mortgage support, or education costs. This suggests we’re currently in a market where buyers have greater negotiating power than in stronger years.”
The hidden catch for buyers
However, consumer experts warn buyers not to be entirely blinded by freebies. New-build properties often come with a “new-build premium”, meaning the headline asking price can be notably higher than similar, older properties in the exact same postcode.
High-street mortgage lenders are also cautious about developer sweeteners. Most banks will strictly cap financial incentives at 5 per cent of the property’s overall purchase price.
If a developer offers perks worth more than 5 per cent, lenders may reduce the amount they are willing to let you borrow to protect themselves against negative equity.
Stephen Perkins, managing director of Yellow Brick Mortgages, said: “Developer incentives aren’t automatically a red flag, but they should prompt buyers to ask more questions.
“If a builder is willing to contribute towards stamp duty, mortgage payments or furniture, it’s worth understanding whether you’re receiving genuine added value or simply paying for those incentives through a higher purchase price.
“Lenders and surveyors also look closely at incentives because they can affect the property’s true value.”






