Leeds Building Society teams up with Experian to use non-traditional financial data for mortgage applications, helping first-time buyers with limited credit history.

A recent collaboration between Leeds Building Society and Experian could give aspiring homeowners a helping hand in securing a mortgage. Through the new partnership, applicants will be able to use evidence of their regular payments for services like Netflix or Spotify to improve their credit score, potentially making it easier for them to purchase a home.

Leeds Building Society has integrated with Experian’s free Experian Boost service, which allows additional financial data, such as consistent payments for council tax and digital subscriptions, to be factored into the credit assessment process. This offers a new opportunity for borrowers who may not have a traditional credit history, as it brings more of their positive financial behaviour into the lending decision.

The service uses open banking technology, which securely connects borrowers’ financial data to credit scores. By linking current account transactions to credit information, the system provides a more comprehensive picture of an individual’s financial track record. This can help those who have a limited credit history or struggle to build a strong credit score due to high living costs, such as rent.

Leeds Building Society reported that 7.5% of applicants had a higher credit score when using Experian Boost, improving their chances of securing a mortgage. This is particularly beneficial for younger borrowers or those on lower incomes who might otherwise find it difficult to prove their financial reliability.

This partnership aligns with the increasing number of innovative mortgage options aimed at first-time buyers. For instance, Skipton Building Society recently introduced a zero-deposit mortgage for tenants with a strong rental history, offering up to 100% of a property’s value. This makes homeownership more accessible to people who may struggle to save a large deposit.

Leeds Building Society, which has over 800,000 customers, has already helped thousands onto the property ladder, and this new service aims to support even more people in their quest to own a home. In addition to its work with first-time buyers, Leeds Building Society is focusing on making homeownership more attainable despite the ongoing UK housing crisis.

Richard Fearon, the Society’s Chief Executive, emphasised that this new initiative helps those who may find it hardest to prove their financial capability. “We will continue to find ways to help and put homeownership within reach of more people,” he said.

Sigga Sigurdardottir, Managing Director of Consumer Services at Experian, added that this partnership supports their goal to improve financial inclusion, making homeownership more achievable for many across the UK.

Former Rival Warns Hamilton Against Potential Switch Amid Contract Renewal Talks

Lewis Hamilton has been cautioned by former rival Felipe Massa that leaving Mercedes could pose a significant risk. Hamilton’s contract with the team, where he has secured six of his record-equalling seven world titles, is set to expire at the end of 2023.

While it is widely expected that the 38-year-old will extend his tenure with Mercedes, the team’s inconsistent start to the current season has led to speculation about Hamilton exploring other options, with Ferrari cited as a potential new home.

Ahead of the Miami Grand Prix at Hard Rock Stadium, Mercedes team principal Toto Wolff described the team’s current challenges as “a nasty piece of work.” Nevertheless, Massa, who competed for Ferrari for eight seasons and narrowly lost the championship to Hamilton in 2008, expressed skepticism about a potential switch. “Anything is possible, but I have doubts that it will happen,” he remarked.

Massa highlighted the strong relationship Hamilton has with Mercedes, stating that any move to Ferrari would require certainty about the team’s ability to compete for championships. “Ferrari have not proved they have the car to win the championship. Going there would be a bit of a gamble,” he added. Massa further noted that since a move to Red Bull is unlikely due to the presence of Max Verstappen, he would advise Hamilton to remain with Mercedes.

As Hamilton approaches his 39th birthday in January, he remains focused on clinching his eighth title, even hinting at the possibility of racing well into his fifties. Massa, now 42 and retired from racing since 2017, reflected on the physical demands of the sport, acknowledging that age eventually takes its toll. “When I go to run, I suffer more than when I was 30 or 25,” he said.

Despite this, he believes Hamilton still has several competitive years ahead, citing Fernando Alonso’s impressive performance at 41. “Lewis just doesn’t have the car, but maybe that will change,” Massa concluded.

Family Attorney Describes the Impact of His Mother’s Murder on His Life

Jordan Neely faced profound challenges after the tragic murder of his mother in 2007, according to statements from his family attorney. Neely, aged 30, died on Monday after being placed in a chokehold by former Marine Daniel Penny on a New York City subway train.

At just 14 years old, Neely experienced the devastating loss of his mother, Christine Neely, who was brutally murdered by her former partner. Her body was discovered stuffed in a suitcase on the Henry Hudson Parkway. Family members report that the trauma from this event plunged Neely into a deep depression, and he was homeless at the time of his death.

Attorney Donte Mills shared insights with Al Sharpton on MSNBC’s PoliticsNation, revealing that Neely had been living with his mother and her boyfriend, Shawn Southerland, when the murder occurred. He recounted the painful moment when Neely learned of his mother’s death and attempted to say goodbye, only to be prevented from entering her bedroom by Southerland. “He had to live with the fact that he left his mother dead in their home,” Mills noted, emphasising the weight of that experience on Neely’s mental health.

At 18, Neely testified in the murder trial, which led to a conviction and a 30-year prison sentence for Southerland. Mills described how Neely found solace as a street performer and Michael Jackson impersonator, using entertainment as a way to cope with his past trauma. “He was determined to make other people happy,” Mills explained. “He really enjoyed Michael Jackson; he emulated him and his style.”

Family members were reportedly seeking help for Neely prior to his death. Mills expressed concern for those on the brink of crisis, stating, “We all know people who are on the brink of going through something major… But he had a life that he was living and was reaching for.”

Manhattan prosecutors are currently investigating the circumstances surrounding Neely’s death, which the city’s medical examiner has ruled a homicide due to compression against his neck. No arrests have been made thus far, and the medical examiner’s finding does not determine criminal liability; any potential charges will be pursued by the Manhattan district attorney’s office.

Neely’s death has sparked widespread protests across New York City, with demonstrators demanding that authorities bring charges against Penny.

Marvel’s Latest Film Opens Strong Amid Superhero Fatigue Debate

This weekend saw the release of Guardians of the Galaxy Vol. 3, which attracted audiences with the promise of a concluding chapter in the beloved franchise. The film garnered $114 million from 4,450 North American locations, according to studio estimates.

Internationally, it opened in 51 territories (excluding China) and earned $168 million, resulting in a total global debut of $282 million. Domestically, while this opening is commendable, it falls short of expectations set by previous Marvel films. For example, Doctor Strange in the Multiverse of Madness earned $187.4 million during the same weekend last year, buoyed by the success of Spider-Man: No Way Home. Black Panther: Wakanda Forever also opened to over $181.3 million in November.

This year has seen a more subdued performance for superhero films. Ant-Man and the Wasp: Quantumania opened with just over $106 million and reached a total of $474 million worldwide, while Shazam! Fury of the Gods from DC/Warner Bros. managed only $133.4 million in total. Analysts are now questioning whether this trend reflects a specific character’s appeal or a wider issue of “superhero fatigue.”

Guardians Vol. 3 displaced The Super Mario Bros. Movie, which had enjoyed four weekends at the top, marking the start of the summer movie season—a crucial time for Hollywood that typically runs through Labour Day and can account for as much as 40% of a year’s box office revenues.

The next significant superhero film on the horizon is DC’s The Flash, due for release on June 16, which comes with its own controversies due to lead actor Ezra Miller’s legal troubles.

Returning for this instalment are notable actors including Chris Pratt, Zoe Saldaña, Dave Bautista, Karen Gillan, Pom Klementieff, Bradley Cooper, and Vin Diesel. While reviews have been generally positive, they are somewhat more divided compared to earlier films in the series. It is also challenging to compare pre-pandemic openings, such as Vol. 2’s $146 million debut in May 2017, with those from the post-pandemic landscape.

Vol. 3 signifies James Gunn’s final contribution to the Guardians and Marvel, as he pivots to lead DC Studios.

In box office standings, The Super Mario Bros. Movie took second place with an additional $18.6 million, bringing its domestic total to $518.1 million and exceeding $1.1 billion globally. Coming in third was Evil Dead Rise with $5.7 million, followed by Are You There God? It’s Me, Margaret in fourth with $3.4 million, both films maintaining solid holdover performances.

While the weekend was primarily reserved for the superhero blockbuster, Screen Gems and Sony also released the romantic comedy Love Again, starring Priyanka Chopra Jonas, featuring new songs from Celine Dion. This film opened modestly, earning $2.4 million and securing the fifth position.

Investigation Ties to Corruption Allegations Against Central Bank Governor

A European judicial team has interrogated Lebanon’s caretaker finance minister as part of an investigation linked to corruption allegations against the country’s Central Bank governor. The questioning took place on Friday and is part of an ongoing probe involving a delegation from France, Germany, and Luxembourg, marking their third visit to Lebanon to gather information from suspects and witnesses.

Caretaker Finance Minister Youssef El Khalil was interrogated regarding his close association with Central Bank Governor Riad Salameh during his tenure at the institution before assuming his ministerial role. El Khalil worked at the Central Bank from 1982 until he became finance minister nearly two years ago, most recently serving as the executive director of its financial operations department.

On Thursday, the European delegation also questioned Raja Salameh, the governor’s brother. Following the interrogation of El Khalil, the delegation is expected to depart Lebanon, although it remains uncertain whether they will return for further questioning.

In March 2022, the three European governments involved froze over $130 million in assets linked to the investigation. Earlier this year, the delegation visited Beirut to question Salameh regarding the Central Bank’s assets, its investments abroad, and a Paris apartment owned by Raja Salameh, as well as Forry Associates Ltd, a brokerage firm owned by him.

Additionally, French authorities have previously interrogated Marwan Kheireddine, chairman of Lebanon’s AM Bank, on multiple charges, including money laundering. Reports suggest that Salameh and his associates are accused of using commercial banks to misappropriate public funds.

The 72-year-old governor has consistently denied all allegations, asserting that his wealth is derived from his prior career as an investment banker at Merrill Lynch, inherited properties, and various investments. He is also facing separate investigations by Lebanese authorities.

Legal Battle Over Alleged Secret Changes to Testing Regulations

An animal welfare organisation, Cruelty Free International (CFI), has lost its High Court challenge regarding the UK Government’s alleged abandonment of a ban on animal testing for cosmetic ingredients. The court’s decision has raised concerns about transparency and regulatory practices in the realm of animal welfare.

CFI accused the Home Office of secretly altering its long-standing policy, which historically prohibited testing cosmetic ingredients on animals. The organisation claimed that the public had been left “in blissful ignorance” regarding these changes, which reportedly occurred after February 2019. CFI argued that ministers were now willing to approve licenses for animal testing, asserting that this shift undermined a ban first established in 1998 and was unlawful.

In a ruling delivered on Friday, Mr Justice Linden dismissed CFI’s claims, stating that the Home Office had not acted unlawfully. He expressed regret that the Government had not announced this policy change publicly, acknowledging that it was concerning that “inaccurate” guidance was available online. However, he concluded that there had been no breach of legal duties, and neither CFI nor the public had a “legitimate expectation” to be informed of any changes.

The court’s deliberations focused significantly on CFI’s assertion that the Home Office had misinterpreted EU legislation concerning cosmetics safety. Mr Justice Linden clarified that while regulations aimed at consumer safety prohibit animal testing for cosmetics, separate rules regarding chemical evaluation are more permissive. These rules allow for animal testing only as a “last resort” to meet safety regulations.

The judge noted that the Home Office’s policy was lawful and compatible with existing regulations, which stipulate that animal testing may occur only when no alternative methods are available. He stated that the Government had modified its policy for pragmatic reasons rather than due to any legal obligation, and it was reasonable to interpret the two sets of legislation as compatible.

CFI’s chief executive, Michelle Thew, expressed disappointment with the ruling, claiming that the Home Office appeared to prioritise the interests of contract-testing companies over those of animals and public sentiment against cosmetics testing. She described the Government’s actions as “outrageous,” asserting that the ban had been abandoned without proper disclosure.

Following the ruling, CFI announced its intention to appeal the judgment. In response, a Home Office spokesperson reaffirmed that it remains illegal to test cosmetic products or their ingredients on animals for market approval, stressing that the marketing of such products is also prohibited.

Court Grants Extended Detention Following Tragic Losses

A Kenyan court has authorised police to detain a pastor for an additional five days as they investigate his involvement in the deaths of over 100 congregants, many of whom are believed to have succumbed to starvation. This decision comes as authorities delve deeper into potential terror-related charges linked to the alarming case.

Last month, law enforcement rescued 15 severely malnourished parishioners from the extensive 800-acre property of Paul Mackenzie in Kilifi County. Tragically, four of these individuals died shortly after being hospitalised. Survivors reported that Mackenzie had urged them to fast until death in anticipation of meeting Jesus before the world’s end.

Investigators discovered over 100 bodies and numerous mass graves on Mackenzie’s secluded property. While autopsies are still in progress, preliminary findings indicate that some victims died from starvation, strangulation, or suffocation.

Mackenzie, who was arrested two weeks ago on suspicion of cult-related activities, had previously been released by a lower court. However, he was rearrested and presented to a higher court as police investigations revealed signs of radicalisation. The court is now reviewing an application for an extended 90-day detention.

This is not Mackenzie’s first brush with the law; he was arrested twice earlier — in 2019 and in March of this year — in connection with child deaths. He was released on bond both times, and those cases remain ongoing.

In response to this crisis, Kenyan President William Ruto has established a committee of inquiry to investigate the circumstances surrounding the deaths. The committee’s mandate includes identifying other individuals and organisations that may share responsibility and providing recommendations for future actions.

Concerns regarding Mackenzie’s activities date back to 2017, when the Kenya Film and Classification Board raised alarms about his televised content, which was deemed potentially radicalising. The board’s previous chairperson, Ezekiel Mutua, confirmed that the content was subsequently removed from the air, and law enforcement was alerted.

In a related case, another pastor, Ezekiel Odero, was arrested last week regarding deaths at his coastal megachurch. A court has indicated that Odero could be released on bail if he posts a bond of 3 million Kenyan shillings (approximately $22,000) or cash bail of 1.5 million shillings ($11,000). His lawyers acknowledged that 15 individuals died at his church, but they asserted that these deaths were reported to police as mandated.

Investigations into Odero’s connections to Mackenzie are ongoing, particularly since he purchased a television channel from Mackenzie in 2019. Recently, Kenya’s national communications authority suspended Odero’s TV channel for broadcasting inappropriate content related to exorcisms during hours designated for adult programming.

A herd of cattle is being employed to enhance biodiversity and strengthen nature conservation in the Stroud Valleys, Gloucestershire, as part of an ongoing environmental project.

The National Trust has deployed a group of 100 Belted Galloway cattle to manage the landscape and help boost wildlife across thousands of hectares in the Cotswolds. The initiative is part of the Stroud Landscape Project, which has been transforming 21,000 hectares of land since its launch in 2017. The project aims to create more resilient ecosystems, better prepared for climate change, while also restoring habitats for various species.

One of the key objectives of this effort has been to reinstate wildflower meadows, restore ancient woodlands, and establish wildlife corridors. The conservation project has successfully reintroduced species like the rare large blue butterfly, while other species, such as Duke of Burgundy butterflies and greater horseshoe bats, are thriving thanks to the grazing activities of the Belted Galloways.

The cattle, known affectionately as “Belties,” are particularly adept at grazing steep terrain and consuming grasses that many other animals avoid. They are instrumental in maintaining the delicate balance of the grasslands, promoting the growth of rare plants like thyme, marjoram, and orchids. Additionally, their grazing supports the health of the ecosystem by encouraging the presence of beneficial insects and dung beetles, which are crucial for sustaining local wildlife.

The project also recently introduced a young red-and-white Belted Galloway bull, named Charlie, to the herd. This lighter-coated breed is expected to cope better with the increasing heat due to climate change. The introduction of this bull is part of the National Trust’s long-term plan to future-proof the herd and improve the environmental impact of the grazing efforts.

In the coming years, further projects will be implemented, including the planting of 1,140 metres of new hedgerows across various estates. These efforts are expected to have a positive effect not only on local wildlife but also on the broader fight against nature decline, with the goal of seeing tangible improvements by 2030.

This initiative exemplifies how collaboration and conservation grazing can rapidly yield results that benefit both nature and the surrounding communities.

A Pattern of Indifference and Misdirection

n Texas, yet another mass shooting has unfolded, prompting a familiar and concerning response from Governor Greg Abbott. Tragically, five individuals, including a nine-year-old boy, lost their lives in a shooting in Cleveland, Texas, during a gathering meant for a church event. The perpetrator, Francisco Oropesa, allegedly entered the home wielding an AR-15-style rifle, indiscriminately shooting victims as he moved through the residence. Among those killed were Sonia Argentina Guzman, her young son Daniel, and several others who displayed remarkable bravery by shielding children from harm.

Abbott’s initial response was to label the victims as “illegal immigrants,” a statement that prioritised their immigration status over their tragic deaths. This comment sparked outrage and criticism, especially as the governor took two days to react, initially opting to share a lighthearted photo of his dog on social media. Following public backlash, he eventually acknowledged the shooting, but again, his focus on the victims’ legal status overshadowed the critical issue of gun violence.

This incident is not an anomaly; it reflects a troubling trend in Abbott’s leadership. Texas has witnessed multiple mass shootings during his tenure, including the devastating Uvalde school shooting, where 21 individuals were murdered. After such tragedies, Abbott has often faced calls for legislative action, yet he has consistently failed to implement significant changes. Notably, after Uvalde, he attended a fundraiser just hours after the event, suggesting that it “could have been worse.”

Critics contend that Abbott’s emphasis on immigration serves to deflect attention from the pressing issue of gun control. By framing the narrative around the victims’ immigration status, he diverts focus from the urgent need for stricter gun laws in a state that has increasingly relaxed such regulations.

The reality is that Abbott has fostered a permissive environment for gun ownership, having enacted laws that allow Texans to carry firearms without a permit. His close relationship with the NRA and significant financial contributions from gun lobbyists further illustrate his reluctance to prioritise public safety over political allegiance.

As Texas continues to grapple with the aftermath of yet another senseless act of violence, Abbott’s response highlights a persistent cycle of tragedy and indifference. With families mourning their loved ones and communities left in despair, the call for meaningful action grows louder. Until Abbott shifts his focus from political narratives to the lives impacted by gun violence, Texas will remain ensnared in this tragic cycle.

Diverse Class Celebrates Influential Artists and Their Contributions

The Rock & Roll Hall of Fame has announced its 2023 inductees, featuring a diverse lineup that includes Missy Elliott, Willie Nelson, Sheryl Crow, Chaka Khan, “Soul Train” creator Don Cornelius, and the late George Michael. Kate Bush also makes her long-awaited entry into the hall.

The Cleveland-based institution revealed the inductees on Wednesday, which also includes The Spinners, Rage Against the Machine, DJ Kool Herc, Link Wray, Al Kooper, and Bernie Taupin, longtime collaborator with Elton John. Joel Peresman, president and CEO of the Rock & Roll Hall of Fame Foundation, highlighted the broad spectrum of talent represented, stating, “Rock ‘n’ roll is a big tent, and a lot of people belong.”

Missy Elliott, recognized as a groundbreaking figure in hip-hop, becomes the first female hip-hop artist inducted into the Hall, following her previous accolades as the first female rapper in the Songwriters Hall of Fame and a four-time Grammy Award winner.

To be eligible for induction, artists must have released their first commercial recording at least 25 years prior. This year’s ballot saw eight first-time nominees, including Crow, Elliott, Michael, and Nelson. Elliott is particularly notable this year as it marks her first year of eligibility.

Kate Bush’s induction follows a resurgence in popularity after her song “Running Up That Hill (A Deal with God)” featured prominently in the series “Stranger Things.” The Hall praised her innovative use of soundscapes and literary themes that have inspired countless musicians.

George Michael, recognized for his work both with Wham! and as a solo artist, was noted for his influence on LGBTQIA+ artists. Nelson, at 90 years old, was celebrated as “an American institution.” DJ Kool Herc was acknowledged as a foundational figure in hip-hop, while Chaka Khan was lauded as a powerful and influential voice in music.

The Spinners were recognized for their impressive string of hits in the R&B genre, while Link Wray was praised for his ahead-of-his-time guitar work that influenced many rock legends. Bernie Taupin, who has previously been honored in the Songwriters Hall of Fame, is now recognized alongside his longtime partner, Elton John.

Don Cornelius was honored for creating a significant platform for African American music and culture, making a lasting impact on the industry.

Peresman emphasized the hall’s goal to bridge musical genres, encouraging fans to explore artists outside their usual preferences. While notable nominees such as Iron Maiden, Cyndi Lauper, and Warren Zevon did not make the cut this year, the voting process involved over 1,000 artists, historians, and music professionals, with fans also having a say through online and in-person voting.

This year’s inductees reflect the rich tapestry of musical influence and creativity that continues to shape the industry.