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SK1 3XE · Stockport
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What's going on where you live

📰 Local news snapshotGoogle News + BBC regional feeds

Nearest first: stories naming your area, then the region. Headlines link to the original source.
Plans submitted for £250m mixed residential neighbourhood STOCKPORT
Stockport MDC · Town Centre West
Street party returns to the Underbanks STOCKPORT
Stockport Nub News

📅 What's on snapshotcouncil + community

Woodbank parkrun FREE · WEEKLY
Sat 25 Jul, 9am · Woodbank Park, 1.0 mi · every Saturday
Stockport Pride FREE
Sun 26 Jul · Historic Market Place, 0.3 mi · community festival
Foodie Friday — Stockport Market Place
Fri 31 Jul, 5–10pm · 0.3 mi · last Friday monthly
+ Add your event
Signed-in users can add community events — checked before they're shown to others. Your own events stay in this browser — they are not synced to your account yet.
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⚽ Sign in to StreetOwl for your team to follow you across browsers and devices. When you're signed in we send your email address to Striker Force so your team can be saved. About & privacy.

👑 Daily Quiz King live 10 questions · beat the clock · all categories

Ten multiple-choice questions against the clock. Every 5 seconds a wrong answer disappears — wait long enough and only the right one is left, but the clock is your score. Pick wrong and it's a 5-second penalty; the quiz carries on. One round per person per day — fastest total time for all 10 takes the daily crown, and the board resets at midnight.

Questions from the Open Trivia Database (CC BY-SA 4.0). Times are measured by our server, so the scoreboard can't be faked — only beaten.

🍲 What's for dinner? weekly five ideas, new every Monday

Loading this week's ideas…
Recipes and photography from TheMealDB. Cost is our own estimate — typical own-brand supermarket prices for the quantities used, divided by four servings. Treat it as "about this much a head", not a shopping bill.

✈️ Where to next? weekly five hot spots, new every Monday

Loading this week’s hot spots…
Guides written by Wikivoyage contributors and republished under CC BY-SA 4.0; each page credits its own authors and photographer. The ranking is ours, from Wikimedia’s published pageviews — it counts people reading about a place, not people going there. Browse every hot spot.

🏛 What applies to your home live MHCLG Planning Data

Designations recorded over this postcode — the rules that decide what you can change without applying.
Checking the national planning register for your area…

💷 Grants & schemes loading…

National + local support you may be eligible for — solar, insulation, heat pumps, cost of living.
Fetching current schemes from GOV.UK…
If your home is missing loft or cavity insulation, or runs an old boiler, one of these schemes may cover part or all of the cost — check eligibility before paying full price for energy work.
i These are the designations that quietly decide whether you need permission — for new windows, a satellite dish, cladding, or felling a tree. Being in one does not stop you doing the work; it changes whether you have to ask first, and cutting a protected tree without asking is a criminal offence. Nothing listed here does not prove nothing applies (see for why, and for who to ring to be certain).

🏗 Planning applications snapshot via PlanIt, a volunteer-run public service

Stockport 8, King Street West — £250m mixed residential neighbourhood SUBMITTED
Town Centre West, by the viaduct · part of the MDC masterplan
Search the portal About the scheme
The full feed — every application within walking distance, with comment deadlines and committee dates — is not built yet. For now, the portal search above covers any address.
i When an application appears near you, commenting is free and every valid objection is counted — but only planning grounds count (see for what those are, and how committee decisions work).

🚗 Motoring snapshot Fuel Finder · National Highways

⛽ Cheapest fuel nearby
Finding the cheapest forecourts near you…
🌬 Clean Air Zone CHECK YOUR ROUTE
Charging Clean Air Zones operate in some UK cities (including Birmingham, Bristol, Sheffield and London's ULEZ) and not in others. Older petrol, diesel and van drivers pay a daily fee only inside a charging zone — check your route before you travel. Check other areas
🚧 Roadworks & disruption
Checking National Highways for closures near you…
National Highways live All local roadworks
i Since February 2026 every UK forecourt must publish its pump prices, so this tile shows the genuinely cheapest fuel near you, updated within half an hour of the price changing on the pump. Clean Air Zone charges apply in some cities and not others, so a vehicle that pays to enter one city may drive free in the next — worth checking before a long trip. Live prices and roadworks appear above when the feeds respond (see for the data sources).

🚌 Public transport snapshot Bus Open Data Service · National Rail

Looking for live buses and trains near you…
i Live vehicle positions from the Bus Open Data Service and departure boards from National Rail, for the stops and station nearest your postcode. Bus fares in some city regions are capped whatever the distance — see for fares and tickets.

🌤 Today's weather live Open-Meteo · updated half-hourly

Checking conditions for your postcode…

📅 The next 9 days live Open-Meteo · updated half-hourly

The outlook for your coordinates, from tomorrow — today has its own tile above. On each day: the daytime high, the overnight low, and 💧 the chance of any rain falling that day.
A forecast, not a promise — day-by-day detail beyond about five days is indicative. Storm flags come from the forecast's own weather codes.

🌊 Environment and Flood Defences live loading…

River Mersey at Brinksway:
EA gauge · updates every 15 min
🛡 above explains the bands, what "below required condition" does and doesn't say, and the Flood Re trap for homes built after 2009.

🚨 Crime nearby liveloading…

Within ½ mile, latest month:
police.uk street-level data
Versus the same month last year:
Published monthly, about two months behind
All police.uk data is anonymised at source — no names of suspects or offenders are ever published, by law.

☢️ Permitted sites near you live Environment Agency registers

Industrial installations, radioactive substances permits and waste operations within 3 km, from the Environment Agency's public registers — and, where the Agency has published one, when the inspector last assessed each site, with the report to read. A permit means a site is regulated and monitored — it is not a report of anything going wrong, and an inspection is not a finding.
Checking the registers around your postcode…
i Checking the registers around your postcode…

🧾 Benefits in your area snapshot DWP Stat-Xplore

How many people claim each benefit here, per 1,000 residents, and where that places your council among comparable ones.
Loading benefit figures for your council…
i A claim rate is not a verdict on an area. Age profile, health, local industry and how many people are entitled but never claim all move these numbers — the figures are here so you can see them, not so they can be read as a score.

🏥 Your nearest hospital snapshot NHS England

The closest hospital to your postcode, and how the trust that runs it performs against every other acute trust in England. Ranks are counted from the good end, so 1st is always best.
Finding your nearest hospital…
i These figures belong to the whole trust, not to this one building, and the hospital nearest you is not necessarily the one you would be sent to. A trust also serves the population it has: a hospital covering an older or more deprived area carries a heavier caseload, and the rank cannot see that.

🩺 Getting a GP here live NHS England

Not the nearest surgery on a map — the practices your neighbours actually registered with, how big their lists are, and which way those lists moved in a year.
Reading the registrations…

🏷️ Energy ratings on your street live MHCLG EPC register

Every home's energy certificate is a public document. This is your postcode's spread, from the national register — and the rules that now hang off those ratings for anyone renting.
Checking the register…

⛏️ The ground under your street live Coal Authority · BGS · UKHSA · Environment Agency

What a conveyancer's environmental search asks, from the same public layers: old coal workings, radon, the rock and clay beneath, and any former tip nearby. Indicative — each line says how coarse it is and where the definitive answer is sold.
Asking the surveys…

🌬️ Air, noise and sewage live Defra · Environment Agency

The three things a viewing won't show you: what is in the air here on an average day, how loud the road is at night, and whether the sewer overflow up the brook spilled last year — and for how long.
Reading the maps…

🔋 Wind, solar and batteries nearby live DESNZ planning database

Every renewable or storage scheme over about 150 kW within 3 km that has entered the planning system — what is running, what is being built, and what is still waiting for a decision you could comment on.
Reading the register…

🏠 Valuation and sold prices live HM Land Registry

What homes on this postcode actually sold for, from the Land Registry's public record — and what a past purchase price is worth in today's money.
Valuation calculator
Enter what was paid and when — the answer updates as you type.
Sold prices on this postcode
Looking up the register…

⚖️ When people complain about the council yearly Local Government Ombudsman

If your council gets something wrong and won't put it right, the Local Government & Social Care Ombudsman is the free, independent referee. Every year it publishes what it was asked about, and how often it agreed.
Looking up your council…

🥫 Food recalls — check your cupboard live Food Standards Agency

When food is unsafe, or its label is wrong about an allergen, the Food Standards Agency publishes the brand, the pack size and the batch codes. Search what is actually in your cupboard against the alerts for your nation.
Checking the FSA register…

🏪 Businesses opening and closing live Companies House + The Gazette

Every UK company files a registered office address, and every corporate insolvency is published in The Gazette. Two public registers, read for the streets around you — companies only, never individuals.
Reading the registers…

📑 Public money being spent here live Contracts Finder

Every public-sector tender and contract award in England is published on Contracts Finder. Two reads of it: work the buyer says will be delivered in your postcode district, and what your council has put out to tender or awarded in the last year.
Reading the register…

🗳 Your representatives snapshotUK Parliament + council registers

SR
Cllr Shaun Regan — Brinnington & Stockport Central
Reform UK · elected 7 May 2026
Council profile
KW
Cllr Karl Wardlaw — Brinnington & Stockport Central
Labour & Co-operative
Council profile
KW
Cllr Kerry Waters — Brinnington & Stockport Central
Labour & Co-operative
Council profile
NM
Navendu Mishra MP — Stockport
Labour · navendu.mishra.mp@parliament.uk
Write to your MP
i Aim your issue at the right person: bins, planning, roads and local services → your councillors; national policy, tax, NHS, immigration → your MP. A short personal email beats a template.

🗳 Elections snapshot Democracy Club

When an election is called here, this tile will show your polling date, your polling station, the full candidate list and a link to each candidate's statement or manifesto — powered by the Democracy Club postcode API.
Register to vote Who can I vote for? Find my polling station
i Local seats are often decided by a few dozen votes, so registering is worth the two minutes it takes. Do it before an election is called rather than in the scramble afterwards — and remember you need photo ID to vote in person (see ).

📰 UK news snapshotUK-only searches, one per category

All categories UK-anchored searches, one per category. Each category's newest story leads; repeats of the same story are collapsed.
UK headlines are loading…

🩺 Is the economy healthy? snapshot loading…

Not a snapshot of numbers you have already seen — the direction of travel. Where the economy sits between growing strongly and a deep recession, what that is doing to jobs, and how today compares with every downturn since 1955.
Loading…
i Whether the economy is growing tells you very little on its own. What it is doing to jobs, to what your pay buys and to how many vacancies there are is the part you can act on — and the direction over a few months matters far more than any single month's number.

💼 Jobs & pay snapshot loading…

Unemployment rate:
ONS Labour Force Survey · jobless and looking for work, whether claiming or not
Claiming unemployment benefits:
Claimant count (New Style JSA + Universal Credit required to seek work) · updated monthly
Jobs advertised:
ONS vacancy survey · how many jobs employers are trying to fill
Pay against prices:
Average weekly earnings before bonuses, measured against inflation — ONS's own real-terms figure, not our arithmetic
Loading the local claimant count…
ONS Claimant Count via Nomis — one of the few economic numbers published right down to local authority level
i The national picture sets the weather; your ward's claimant count is the one that describes the job market you actually live in. Read them together, and watch the direction over a few months rather than any single figure.

⚖️ Citizens v the state snapshot loading…

The courts where people challenge a minister, a department, a council or a regulator — and what they have just decided. The tile links to each ruling; it does not summarise one.
All six courts Newest first, across the Supreme Court, the Court of Appeal, the High Court and the Upper Tribunal.
Judgments are loading…
Where a challenge to the state actually goes
Administrative CourtJudicial review starts here — a claim against a minister, a department, a council or a regulator. A case of real constitutional weight is listed before a Divisional Court of two or three judges.
Court of Appeal (Civil Division)The first appeal.
UK Supreme CourtThe last word — and the only one of the three that speaks for the whole United Kingdom.
Specialist routes off the main line
Immigration and asylum judicial reviews go to the Upper Tribunal (Immigration and Asylum Chamber), and some tax ones to the Upper Tribunal (Tax and Chancery Chamber). Planning claims are heard in the Planning Court — a specialist list inside the Administrative Court, which is why they carry an (Admin) citation and arrive in that court's list above rather than one of their own.
Straight to the top
The "leapfrog" under the Administration of Justice Act 1969 lets a case of national importance go from the High Court to the Supreme Court, skipping the Court of Appeal, where waiting would be costly.
Not everything of this kind is judicial review
The Post Office Horizon litigation (Bates v Post Office) was a group action in the King's Bench Division on ordinary contract and negligence grounds — which is why that court is in the list above too. Windrush and infected blood were compensation schemes and statutory inquiries rather than litigation at all.
Scotland and Northern Ireland go a different way
A Scottish challenge goes to the Court of Session — the Outer House, then the Inner House on appeal — not the High Court, which in Scotland is criminal only. Northern Ireland's goes to the High Court in Belfast. Neither publishes through Find Case Law, so neither appears above: a Scottish or Northern Irish reader is looking at an English and Welsh list plus the Supreme Court, which does cover them.
And after all that
Once domestic remedies are exhausted, the European Court of Human Rights in Strasbourg.

⚡ Where Britain's electricity is coming from live loading…

Two pictures: the grid right now, updated every half hour, and below it the whole energy system — heating, transport and industry — which moves once a year and tells a very different story.
Reading the grid…
All energy, not just electricity snapshot
Electricity above is the live part. This is the whole energy system — heating, transport and industry included — from DUKES 2026, published 30 July 2026 for calendar year 2025.
Fossil fuels (oil, gas, coal)75.1%
Low carbon (nuclear, bioenergy, renewables)22.0%
Low carbon is a record high; fossil fuels still supply three quarters of the energy the country uses. The gap between this and the live electricity figures above is heating and transport.
How much we produce ourselves
The UK imported 43.3% of its energy in 2025 — marginally less than the 43.7% of 2024, so import reliance is broadly flat rather than falling. Home production was 94.5 million tonnes of oil equivalent: oil output rose 2.6%, gas fell 3.4% to a record low, nuclear fell 11% to a record low, and wind, solar and hydro rose 7.3% to a record high.
Where the imports come from
DUKES 2026 names Norway as the UK's primary energy supplier and the largest source of gas imports, and the United States as the largest source of oil imports in 2025. Country-by-country shares sit in the DUKES annexes and are not yet on this tile — we would rather name no number than an approximate one.
i Reading the grid…

🛢 Will Britain run short of fuel? snapshot loading…

A threshold scorecard of the three fuels the country actually runs on — crude oil, refined products (petrol, diesel, jet), and gas. Every rating is computed from a dated, sourced figure against a published rule, never assigned by hand; each figure below shows the rule it was scored against.
Scoring the fuels…

💷 National Debt live IMF · OECD · OBR

In 2025-26 the government raised about £1,235 billion in taxes and other receipts — and spent about £110 billion of it on debt interest. That's roughly £1 in every £11 collected, more than the defence and transport budgets combined, before a single hospital, school or pension is paid for. OBR, March 2026 forecast; reviewed 3 Aug 2026.
What the debt costs now — and what it would cost at today's rate
Loading the live figures…
Why the bond market sets that bill. The government borrows by selling gilts — IOUs that pay a fixed interest rate. The "yield" is the return buyers demand: when investors feel confident lending to Britain, yields fall; when they want more reward for the risk, yields rise. Existing gilts keep their old rates (the average gilt runs ~14 years, the longest in the G7), so a yield move doesn't reprice the whole debt overnight — it reprices every pound of new and refinanced borrowing, hundreds of billions a year. About a quarter of the debt is also index-linked, so inflation feeds the bill directly. Today's ten-year rate is in the live figures above, with the month it was read.
i The OBR's own sums, from the 4.5% ten-year rate in its March 2026 forecast (the live rate above is newer): if borrowing costs settle at 5.5% instead of 4.5% — a rise of one whole percentage, not a fraction — the government is about £15–16 billion a year worse off within five years. That is roughly what putting 2p on the basic rate of income tax raises, spent before a single choice is made about hospitals or schools. If instead the rate falls to 3.5%, the same £15–16 billion a year comes back. That is why Budgets are written to reassure bond buyers first and headline-writers second.
Sources: ONS public sector finances; OBR Economic & Fiscal Outlook March 2026 and debt-interest ready reckoner (the cash figures and the 2p-on-income-tax comparison, reviewed after each Budget and Spring Statement, next expected autumn 2026). The live figures are the IMF's World Economic Outlook and Fiscal Monitor (debt, revenue, net interest) and the OECD's monthly long-term interest rates (the ten-year yield, CC BY 4.0) — the same series that colour the World map's Debt layer. The ten-year path is our calculation and says so where it appears.

🏛 The Cabinet snapshot GOV.UK · verified 20 Jul 2026, evening

Prime Minister — Rt Hon Andy Burnham MP APPOINTED TODAY
First Lord of the Treasury · returned to Parliament this month; succeeded Sir Keir Starmer
Chancellor of the Exchequer — Rt Hon John Healey MP APPOINTED TODAY
Announced 18:15, 20 Jul · succeeded Rachel Reeves, who left the Government · runs the Treasury: tax, spending, the Budget
Other posts — being confirmed
As of this evening GOV.UK still lists the pre-transition holders: Deputy PM & Justice — David Lammy · Foreign Secretary — Yvette Cooper · Home Secretary — Shabana Mahmood · Health — (see full list). Further changes are expected; this tile shows only what GOV.UK has confirmed, with dates.
Full ministerial list (GOV.UK) Today's appointments
i Ministers change; departments don't. If you're raising an issue with government, address the department — it owns the policy whoever leads it. One change today with a direct household effect: a new Chancellor now owns the autumn Budget, so expect the measures previewed under the previous one to be revisited. Taken live from GOV.UK, so it follows any reshuffle.

👶 Births, deaths and an ageing country snapshot ONS + OBR

Loading the population figures…

🕊️ Evolving religion snapshot census

Loading the census figures…

🧳 Immigration & migration snapshot ONS + Home Office · quarterly

The full flow, both directions (YE Dec 2025): 813,000 in · 642,000 out → net 171,000 ▼ HALVED IN A YEAR
Down about three-quarters from the 2023 peak (906,000) · two-thirds of non-EU arrivals came on work & study visas · ONS
Leaving: 246,000 British nationals emigrated — 136,000 more Britons left than returned
Total emigration 642,000, rising since 2022
Small boats, in proportion: 41,000 in 2025 — about 5% of all arrivals ▼ 13% YR TO MAY 2026
99% claim asylum on arrival · Home Office irregular migration statistics
Who crosses, and why (year to Mar 2026):
Eritrea 18% — indefinite forced conscription · Afghanistan 11% — Taliban rule · Sudan 11% — civil war & famine · Iran 11% — persecution of dissenters & minorities · Somalia 10% — conflict & drought
Official statistics record nationality, not ethnicity — no ethnicity data for arrivals exists.
Who arrives, and who leaves — age and sex
Loading the ONS age and sex breakdown…
Asylum — who claims, how they entered, what was decided
Loading Home Office asylum figures…
i Small boat immigration is about 5% of arrivals; the other 95% is visas, students, and a record outflow. On the 5%: a person in an asylum hotel receives £8.86 a week and is banned from working. The ~£3bn/yr hotel bill is real — it is the price of a decision backlog. Albanians on the boats was a 2022 story — down over 99% since the returns agreement. See for the sourced detail.

🏝 The Falkland Islands: what they cost, what they earn snapshot MoD, DBT & Falklands government figures

The ledger — two kinds of money, deliberately not netted
What the garrison has cost, as far as the MoD has told Parliament
The case that they pay their way
    The case that they cost more than they return
      i

      🌴 Diego Garcia and the Chagos Islands: the deal that has not happened snapshot Parliament, ICJ & FCDO figures

      Where the agreement actually got to
      One deal, three totals — why you saw both £3.4bn and £35bn
      The case for the deal
        The case against it
          i

          🐧 The British Antarctic Survey: what Britain is doing at the bottom of the world snapshot Parliament, BAS & NSIDC figures

          What the year costs, and how little of it is the science
          And what has been built, on top of that
          Six bases, and how few people are down there in the dark
          So what is everyone else doing down there?
            The case that it earns its keep
              The case that it does not
                What is going on down there: four record years, and then the measuring stopped
                i

                🏃 Sports & leisure snapshotOpenStreetMap

                Finding gyms, pools and pitches near you…
                i Cheapest ways in: parkrun is free every Saturday almost everywhere; council leisure centres do pay-as-you-go and concession rates with no membership needed for the pool; and no-contract gyms start at around £20/mo — try one for a month before committing to anything annual.

                🏫 Schools snapshot DfE Get Information About Schools

                Loading nearby schools from the DfE register…
                Applying: through your local council, not the school · secondary by 31 Oct (offers 1 Mar) · primary by 15 Jan (offers 16 Apr) · in-year moves any time Council admissions Compare schools (DfE)
                i Living in a catchment does not guarantee a place — distance and siblings decide most of them, so use all your preferences and rank them in true order. Ofsted no longer gives one-word grades: read the six-area report card. We cannot show grades at all — DfE removed them from the register this tile uses (see for how places are allocated and how to apply).

                🌼 Hay fever liveloading…

                Grass
                Weed
                Tree
                Outlook:
                Guidance — take antihistamines before symptoms start; keep windows closed late morning & early evening; shower and change after time outdoors; petroleum jelly around nostrils traps pollen; dry washing indoors on high days.
                NHS hay fever advice

                🗑️ Bins & recycling guide set per address by your council

                Days vary street by street — check yours on your council's official lookup. Collections usually slip a day after bank holidays. Check your collection day

                🧾 Council tax live MHCLG official statistics · 2026-27

                Your council's Band D rate and where it lands in the national league load here.

                📶 Mobile & broadband live checking Ofcom coverage data…

                Predicted broadband speeds and mobile signal for your postcode load here from Ofcom's Connected Nations data.
                i Indoor signal Patchy or Poor? Turn on Wi-Fi calling in your phone's settings — calls route over your broadband instead. On benefits? Social tariffs cut broadband to roughly £15–20/month. And if no provider can offer your address 10 Mbps, you can demand a connection under the Universal Service Obligation.
                Ofcom figures are operator predictions, not street measurements — a strong-looking network can still have a dead spot in your kitchen.

                🏦 Inflation & interest rates & you live loading…

                National picture — the two numbers that set the cost of borrowing and saving for every postcode, and how they have run against pay over a decade.
                Inflation (CPI):
                Fetching latest figure from ONS…
                Interest rate (Bank of England Bank Rate): 3.75% HELD
                Cut from 4% on 18 Dec 2025 (5–4 vote) · held 7–2 in June — two members voted to raise · next decision Thu 30 Jul
                i
                What this means for mortgages BoE Bank Rate
                Ten years of prices and pay loading…

                💷 The Budget & you snapshot Autumn Budget 2025 · confirmed Spring Statement 3 Mar 2026 · reviewed 2 Aug 2026

                The Budget, explained: Autumn Budget 2025 ANNUAL
                26 Nov · tax thresholds frozen to 2031, minimum wage & pensions up, two-child cap scrapped, new EV mileage charge · next Budget: autumn 2026, date TBA
                i On the minimum wage, full-time: your pay rises to £12.71/hour in April — about £975 a year more on a 37.5-hour week. Frozen tax thresholds take roughly £270 of that in tax and NI, leaving around £700 in your pocket.
                i Earning around the middle (~£37,000): nothing changes on April's payslip — the freeze does its work silently. Thresholds now stay put until 2031, so every pay rise is taxed at your top rate and pulls you toward the frozen £50,270 higher-rate line. The OBR expects nearly 1 in 4 taxpayers to pay some higher-rate tax by then.
                i On the full new State Pension: up 4.8% in April to about £241 a week (£12,547 a year) — roughly £575 more. That lands within £23 of the frozen £12,570 personal allowance: almost any private pension or other income on top now becomes taxable, for many pensioners the first time.
                i With savings interest or rental income: from 6 April the tax rates on both rose 2 points (20→22%, 40→42%, 45→47%). Each £1,000 of taxable interest or rental profit costs a basic-rate payer £20 more a year. Earnings from work are unaffected.
                i Family with more than two children: the two-child benefit cap was scrapped — Universal Credit and tax credits now pay for third and later children. If you were previously capped, your award recalculates without it.
                Worked examples, not advice — your numbers depend on your circumstances. Assumes 37.5-hour week and standard tax code; pension figure is the full new State Pension. An EV per-mile charge was announced but is not yet in force. The full Budget breakdown

                📖 The economics of… drafted by AI, checked by a person

                Coming up: solar panels — worth it? · adding a battery to solar · how big a fill-up justifies the drive to cheaper fuel (with a calculator) · heat pump vs gas boiler. Every edition keeps a permanent link, and when the facts move (a duty change, a price-cap reset) we revisit the same question and show what changed.
                i One wallet-sized question at a time, worked through with sourced numbers for several kinds of household — not a verdict, but the break-even points so you can find yourself in the table. The current edition in short: with a home charger and an EV tariff, an EV repays its premium in a few years at normal mileage; without one, a modern petrol car is often the cheaper choice.

                🛒 Real inflation — your shop live loading…

                How everyday food and drink prices have moved this year — ONS item-level indices, the same collection that builds the official rate. Official food inflation:
                ItemThis yearUKUSAGermany
                Movement: ONS item indices (research-grade microdata). UK prices: crowd-sourced supermarket average (Numbeo, Aug 2026) — ONS's official scanner-data average prices are due later in 2026 and will replace them. US: BLS city average, May–Jun 2026. Germany: typical supermarket price, early 2026, both converted at today's ECB rate. Where no UK average is published for an item, the row shows movement only — a foreign price with nothing to compare it against tells you nothing.
                i

                ⏳ Prices then versus prices now snapshot loading…

                A price from the past always looks cheap. Type any amount — a wage, a house, a car, a pint — and the year, and see it in another year's money. Consumer prices (CPI), the same series the Bank of England's calculator uses.
                Your amount, year by year

                i A figure from the past only means something next to today's prices. This is the general price level — what money buys — not house prices or wages, which have each run on their own path. A house that merely kept pace with prices since 1995 would have roughly doubled; most did far more than that, and that gap is the next thing we will show you.

                🧾 Taxes snapshot OECD 2024 + HMRC rates · refreshed each Budget

                Total tax take as a share of the economy, compared internationally:
                France43.5%
                Germany38.1%
                UK — 16th of 38 OECD countries35.5%
                OECD average34.1%
                United States~26%
                Tax as a share of the price — of a typical shelf price, duty + VAT make up:
                Cigarettes ~80%   Spirits ~73%   Petrol/diesel ~53%   Wine ~50%   Beer (pub) ~30%
                If a person smoked 10 cigarettes a day, drank 14 units of alcohol a week, and drove 10,000 petrol miles a year, they would pay about £3,400 a year in duty & VAT that a non-smoking, non-drinking electric-car driver would not.
                ≈ £2,300 tobacco + £250 alcohol + £835 fuel (net of an EV's ~£35) · workings in
                i Mid-table, not maximum: the UK taxes more than the English-speaking world, less than western Europe — and the highest rates are concentrated on optional purchases. Your habits set a chunk of your tax bill in a way your income can't.

                📊 Area statistics — you vs England snapshot Census 2021 via Nomis

                Loading Census 2021 figures for your area…
                i How your area compares with England on age, housing tenure, qualifications and household size — the things that change which local issues actually matter where you live.

                👥 Who lives here — you vs England snapshot Census 2021 via Nomis

                Ethnicity, religion, where people were born and which passports they hold — your neighbourhood (about 7,000 residents) next to England.
                i Figures as the census recorded them, with the England figure alongside and no interpretation added. Where a category is small or missing, that is said plainly — on this subject, an absent number and a number of zero must never look the same.

                🏠 Homes & deprivation — you vs England snapshot Census 2021 · Indices of Deprivation 2025

                Loading figures for your neighbourhood…
                i The housing pressures that rarely make it onto a postcode page: the government's official deprivation ranking for your neighbourhood, homes with too few bedrooms, households deprived on the census's own measure, and how many residents keep a second address. Official figures, England alongside, no interpretation added.

                🏡 Care & nursing homes snapshot CQC published data · checked Jul 2026

                What it costs (UK average): residential ~£1,298/wk (~£67,600/yr) · nursing ~£1,535/wk (~£78,600/yr)
                North West typically runs below the UK average · self-funders are usually quoted more than councils pay for the same room
                Nearby homes: names, ratings, inspection reports and phone numbers are all on the CQC register
                Availability has no public feed anywhere; phoning is the only way — pulls the register via the CQC API so the ring-round list, with numbers, lives on this tile
                CQC register — find care homes
                How a stay is funded (the £23,250 means test, the house, NHS contributions) and how to find a place — see
                i Before anyone signs anything: ask for a Continuing Healthcare assessment first — it's the free NHS funding families miss. The £23,250 means test ignores the house while a partner still lives in it, and a deferred payment agreement means nobody is forced to sell in their lifetime. See — ten minutes here can be worth tens of thousands.

                🕊 Funeral services snapshot SunLife 2026 + CMA price lists

                What a funeral costs now: simple attended ~£3,828 · direct cremation £1,628
                Burial £4,758–£5,440 · average total with extras ~£5,140 · SunLife Cost of Dying 2026
                Local directors: every one must publish a standardised price list, in branch and online
                We list the directors nearest you above; the national directory below covers the whole UK and links straight to each firm's published price list
                Find funeral directors (NAFD)
                What the law requires, comparing the standardised price lists, and the help available — see
                i Compare the standardised price lists before choosing — that's exactly what they exist for. A direct cremation at ~£1,600 is chosen by 1 in 5 families, and if you're on a qualifying benefit the DWP's Funeral Expenses Payment can cover the fees. You are not obliged to buy any particular package — see for what is required by law.

                🌍 World View snapshot ICG/ACLED · IPC · FCDO · GDACS · WHO · our energy scorecard — as at 20 Jul 2026

                Heightened / emergency level Severe / highest concern
                i Hover or tap a highlighted country for a summary of what is happening and why. Levels are not our judgement: conflict follows the International Crisis Group and ACLED assessments; famine follows the IPC phase system the UN uses. The one exception is Energy, which is our own published scorecard — no independent body grades energy security — and its callouts say so. Dated, sourced, refreshed monthly — see for how the levels work. GeoDynamics is the one layer that is not a judgement at all: it is the shape of the ground and the sea floor, so no country is highlighted and hovering one tells you nothing. Hover a marked point instead.

                📰 World news snapshotseeded by the categories the map covers

                All categories One search per category the map covers. Each category's newest story leads; repeats of the same story are collapsed.
                World headlines are loading…

                Your feed

                Nothing dated has arrived for this tab yet. The feed fills as the live data lands — a few seconds on a first visit to a postcode.

                Save your places

                Your saved postcodes and tile layout follow you to your phone, tablet and anywhere else you use StreetOwl.

                We store your email and your saved postcodes. Nothing else, and you can delete it all from here at any time. What we hold

                🚌 Fares, caps and tickets

                Bus fares may be capped where buses are franchised
                Several city regions have brought their buses back under public control, giving one fare structure across the whole area — typically a single capped at £2 adult / £1 child and a day of unlimited buses at around £5, however far you travel, so a cross-city route costs the same as two stops. Elsewhere in England a national single-fare cap applies on most routes. Tap on with contactless and the cap usually applies automatically; hoppers (changing buses within an hour) often count as one journey. (Rates as at mid-2026 — they're set annually, so check your operator.)
                Rail is priced separately
                Train tickets are per-operator and sit outside the bus cap. Where your area offers a combined bus-and-train day ticket, a short hop is often cheaper on that if you're changing modes. For London, advance singles booked weeks ahead are routinely a third of the walk-up fare; a Railcard (16–25, 26–30, Senior, Family, Two Together) takes a further third off for £30/yr.
                Reading the times on this tile
                Intervals shown are typical daytime frequencies; evenings and Sundays run less often. Where live departures are available this tile switches to live next departures per stop (bus open data + National Rail), so you'll see "192 in 4 min" rather than a timetable.

                Sources: local transport authority fares pages, National Rail. General information; fares change annually.

                🚗 Fuel prices, Clean Air Zone and roadworks

                Live fuel prices — the new legal open data
                Under the Motor Fuel Price (Open Data) Regulations 2025, every filling station in the UK must report any price change to a central database within 30 minutes of it changing on the pump — the government's Fuel Finder scheme, live since 2 February 2026 and enforced by the CMA from 1 May. We read that feed directly and list the nearest forecourts by price, so "cheapest nearby" is measured, not guessed.
                Clean Air Zones — how they actually work
                A Clean Air Zone is an area, usually a city centre, where driving in with an older, more-polluting vehicle costs a daily charge. Cameras read number plates; there are no barriers and nothing to stop for — if your vehicle isn't exempt, you pay online (before, or within days after) or receive a penalty. The charge is per day, not per trip, and it applies to entering the zone: where you live doesn't matter, where you drive does.
                Will MY car be charged? Usually not
                Most cars on the road today are exempt everywhere: broadly, petrol cars from about 2006 on and diesels from about late 2015 on (Euro 4 and Euro 6 emissions standards) meet every English zone's rules. Zones also differ in who they charge at all — several (Bradford, Sheffield, Tyneside, Bath) charge only taxis, vans, lorries or buses and never private cars, while Birmingham and Bristol do charge older private cars. London's ULEZ is a separate, larger scheme with its own daily charge, and Scotland's Low Emission Zones ban non-compliant vehicles outright with a penalty rather than a charge. Charges and boundaries change, so before driving into a city centre in an older vehicle, put your registration into the official gov.uk Clean Air Zone checker — it answers for your exact vehicle and every English zone in seconds (TfL's checker covers London).
                And if you never drive into a charging city?
                Then none of this costs you anything. Some areas — Greater Manchester among them — considered charging zones and instead adopted investment-led plans with no driver charges. The maps and charges live with each city, not with your home address.
                Roadworks — two sources, stitched together
                Motorways and major A-roads near you come from National Highways open data; works on council-managed streets come from Street Manager, the national roadworks permit register. Build 2 merges both and filters to what's within a short drive of your postcode.

                Sources: GOV.UK Fuel Finder / Motor Fuel Price (Open Data) Regulations 2025, GOV.UK Clean Air Zones, National Highways open data, DfT Street Manager. General information.

                📖 The economics of… — how this works

                One wallet question at a time
                Each edition takes a spending decision ordinary households actually face — EV or petrol, solar or not, is the cheap petrol station worth the drive — and works it through with sourced, dated numbers for several kinds of consumer. You get the break-even points, not a verdict: the same purchase can be right for one household and wrong for the next.
                Drafted by AI, checked by a person
                A first draft is produced by AI from the sourced figures, then reviewed and edited by a person before anything is published — the same neutrality rule as the rest of the site: both directions stated, costs of each option shown, no side taken.
                Editions are permanent, and get revisited
                Every edition keeps a permanent link, so it can be cited and shared later. Each one also lists what would change its own maths — a duty change, a price-cap reset, a subsidy ending. When one of those happens, the same question is re-run and republished with a clear "what changed since we last looked".

                General information, not financial advice. Figures are dated in each edition.

                🏫 Schools — applying, allocating, and reading Ofsted

                How to register your child — the process
                Apply online through the council you live in, even if the school you want is in another borough. You rank at least three preferences; you'll need proof of address. Deadlines: 31 October for secondary (offers 1 March), 15 January for primary (offers 16 April). Missing the deadline puts you in the late round, after on-time applicants. Moving mid-year? In-year applications go through the council at any time.
                How places are allocated
                Each school publishes oversubscription criteria, applied in order — typically: children in care, siblings already at the school, then distance from home; faith schools may add faith criteria. Living in the catchment is a factor, not a guarantee. Ranking preferences honestly costs you nothing: schools never see where you ranked them. If refused, you have a legal right of appeal and can join the waiting list — places move over the summer.
                Reading Ofsted since the change
                Single-word judgements ended; since November 2025 inspections produce a report card grading six areas (curriculum & teaching, achievement, attendance & behaviour, inclusion, personal development, leadership) on a five-point scale from urgent improvement to exceptional. Many schools still show a legacy grade ("Good, 2022") until reinspected — check the date, and read the areas rather than looking for a single verdict.
                School types, briefly
                Community schools are council-run; academies and free schools are state-funded but run by trusts and set their own admissions; faith schools may prioritise religious practice. All are free to attend. The type mainly changes who sets the admissions criteria — always read the individual school's.

                Sources: DfE Get Information About Schools, Ofsted, and your council's admissions team. England process; dates are statutory and the same every year. General information.

                🌍 How the world layers work

                The levels come from independent assessors, not from us
                Every layer uses two shades of its own colour: darker means severe, lighter means heightened. Conflict follows the International Crisis Group's monthly CrisisWatch tracker and ACLED's event data: severe marks active major armed conflict; heightened marks rising tension, cross-border exchanges or fragile ceasefires. Famine follows the UN-backed IPC phase system: severe marks confirmed famine or "highest concern" (people in Phase 5, catastrophe); heightened marks Phase 4 emergencies and hunger hotspots.
                Summaries describe status, not blame
                Each callout states what is happening, since when, and the documented drivers (war, drought, access constraints) in one or two sentences, per the site-wide neutrality rule. Where a conflict involves two states, both appear with the same wording.
                Travel advice — the Foreign Office's own tiers, relayed
                Darker blue marks countries where the FCDO advises against all travel; lighter blue marks "all but essential travel" or advice against travel to parts of a country. This is His Majesty's Government's published advice, relayed unchanged — travelling against it usually invalidates insurance. Every callout links to the full country page on GOV.UK; always check it before booking.
                Disease — the WHO's own outbreak gradings, relayed
                Severe marks the gravest current outbreaks — cholera with extreme fatality rates, the centre of a declared regional emergency, the last wild-polio countries; heightened marks significant active outbreaks. Sources are the WHO's Disease Outbreak News and multi-country updates, PAHO emergency declarations, the Global Polio Eradication Initiative and the US CDC — relayed with their own figures and dates, never our judgement. This layer describes outbreaks where they are happening; it is not travel advice — for that, the FCDO layer is the authority.
                Disasters — two live registers, worst level wins
                Two sources are merged. GDACS (run by the UN and European Commission) is a modelled system: it fires on earthquakes it locates, cyclones it tracks, river floods it forecasts, volcanoes, droughts and wildfires, and grades each red, orange or green by the need for international help — a serious wildfire in France is usually green because France responds itself. All three tiers are shown, green as monitored in the lightest shade. But a modelled system only sees the hazards it models: the Nepal–Tibet glacier flood of August 2026, which killed hundreds, never appeared in it. So the Red Cross emergencies register (IFRC GO) is merged in too — entered by people as operations begin, with the movement's own red, orange and yellow grades. Where both list a country, the worse grade shows; every callout names the register it came from. Everything either register returns is shown, green included — the grades measure the call for outside help, not the size of the story, so a green country is one whose own services are dealing with something the register is still tracking. Neither is complete — a country whose own Red Cross handles an event domestically may not appear in GO — and where an event is in neither, it can still be added by hand in the monthly review. Live where the fetch succeeds; otherwise a dated snapshot stands.
                Energy — the one layer scored by us, and it says so
                Energy security has no ICG or IPC — no independent body grades countries — so this layer is StreetOwl's own scorecard: eight regions scored on ten indicators (import dependency, stock cover, chokepoint exposure, refining, gas storage and who controls the emergency stocks) against fixed, published thresholds. Darker means a worse composite: severe is Critical, lighter is Stressed, and pale is Watch or Secure — every scored region is painted, so pale means "assessed and calmer", not "no data". The same engine and the same figures drive the UK tab's "Will Britain run short of fuel?" tile, where each indicator is shown with its source and date. Gas storage refreshes live from GIE's AGSI+ platform; the rest are dated official figures that the engine marks stale as they age. Regions are scored as blocs, so every country in a region shows its region's verdict — the callout names the region it came from.
                In numbers — measured figures, no judgement, checked daily
                The second row of buttons colours every country by a published number rather than by an assessor's level. Population colours by headcount and the callout adds fertility, birth and death rates and natural change; CO₂ colours by total emissions and adds per-person and share-of-world; Manufacturing colours by share of GDP and adds share of world manufacturing; Murder rates is intentional homicide per 100,000; Food import dependency is the share of a country's cereal supply that is imported (cereals are the only food group any publisher measures this way). Darker means more; five bands, each holding a fifth of the countries with data, so the map shows where a country sits among the others, not a fixed threshold. Sources are the World Bank (which relays the UN Population Division and UNODC), Our World in Data (Global Carbon Budget) and FAOSTAT; two figures — natural change and share of world manufacturing — are our own arithmetic from two of their series and are marked so in the callout. Murder is the only crime figure shown, because it is the only one comparable between countries: other police statistics measure how much gets recorded as much as how much happens. Each figure carries its own year and its ten-year change — a publisher's latest may be two or three years old — and the site checks the sources every morning, so a new release appears the day after it lands.
                A snapshot, refreshed monthly
                The world changes faster than any static page; every entry is dated (currently as at 20 July 2026) and the whole layer set is refreshed monthly from the sources' own updates. Live wiring in a later build.

                Sources: International Crisis Group CrisisWatch, ACLED, IPC/FAO-WFP Hunger Hotspots, UN OCHA. General information.

                💷 How to read the debt figures

                Why today's interest bill was set years ago
                The government borrows by selling gilts, and a gilt keeps the interest rate it was sold at until it is repaid. Most of the debt on the books today was sold between 2016 and 2021, when the market charged well under 1.5% for ten-year money. So the bill paid now is the average of those old rates — not today's. The chart of the two lines shows exactly that: the rate the market charges jumps around; the rate the whole debt pays creeps.
                "Costs now" and "at today's rate"
                Costs now is the IMF's figure for net interest paid in the last reported year, as a share of everything the government took in — the World map calls it Current debt. At today's rate is what that share would be if every pound of the debt were borrowed at this month's ten-year rate — the map's Forward debt. It is a what-if, not a forecast. The gap between them is the cost still on its way.
                How the road between them is drawn — our arithmetic
                Roughly one pound in fourteen of the debt is repaid and re-borrowed each year (the Debt Management Office's average life of the gilt portfolio is about 14 years, the longest in the G7). Each year, that slice moves from the old rate to today's, so the bill closes one fourteenth of whatever gap is left: 7% of the way in year one, about a third by year five, about half by year ten. The formula is printed on the tile with every term filled in. It is the reason Britain feels a rate rise more slowly than other countries — and for longer.
                What the model leaves out, on purpose
                It holds the debt at last year's size, so new borrowing to cover the deficit — which is all at the new rate — is not in it; that is why the OBR's own reckoner gives a bigger five-year figure than our line does, and why our line is a floor. About a quarter of gilts are index-linked and follow inflation, not the yield. "Costs now" is net interest and "at today's rate" is gross, so the true destination sits a little below the forward line. And the ten-year rate stands in for the whole range of maturities.
                The ±1 point lines
                The same model run with the ten-year rate one percentage point higher and one point lower. They are not a range we predict; nothing on this tile forecasts where rates go.
                Where the numbers come from
                Debt and revenue: the IMF's World Economic Outlook and Fiscal Monitor. The ten-year rate: the OECD's monthly long-term interest rates, same calendar month in each of the last ten years. Both are the series behind the World map's Debt layer, refreshed by the same daily job, so the map and this tile can never disagree. The cash figures in pounds are the OBR's.

                🏝 How to read the Falklands figures

                Why the two sides of the ledger are not added up
                The left-hand bars are money the Exchequer spends — your taxes, paid to the Ministry of Defence. The right-hand bars are sales by British firms to the islands, and what Britain buys from them. A pound of sales is not a pound of tax back: the firm keeps most of it, and only the tax on its profit and its staff's wages reaches the Treasury. Worse, the two overlap — a large share of what the MoD spends on the garrison is spent with British contractors, so it appears on both sides at once. Netting them would produce a number that looked like an answer and was not one.
                Why the cost figure is from 2015
                The last time a minister gave Parliament an annual running cost for the garrison was July 2015: "around £85 million". In March 2026 the MoD declined even to say how many people are stationed there. So the figure on this tile is the newest official one, it is eleven years old, and the tile says so rather than inflating it or guessing. A seven-year support contract now being tendered — about £70 million a year for maintenance, catering and engineering alone — suggests the true running cost today is higher.
                "Self-sufficient except for defence" — what that means
                The islands' government raises its own taxes, sells its own fishing licences, and pays for its own schools, hospital, roads and even its local defence force. It receives no grant from the UK Treasury. Two things it does not pay for: the British garrison, and the diplomacy that keeps the sovereignty claim at bay. There is also one uncosted UK item: islanders who cannot be treated locally are referred to the NHS under a reciprocal agreement with no cap on numbers.
                An income of £86,000 a head is not what islanders earn
                GDP per head is that high because a very small population sits on a very large squid fishery. Most of the catch is landed by foreign-owned vessels and most of the profit leaves. Gross national income per head — what actually accrues to residents — is about £59,000, and a typical wage is lower again. It is a rich economy, not a population of rich people.
                Who owns the oil
                The Falklands government does. Its royalty (9%) and corporation tax (26%) on the Sea Lion field go to Stanley, not to Westminster; the Foreign Office has said in terms that the natural resources of every Overseas Territory belong to the territory. Britain's share is indirect — orders for British suppliers, and tax on any UK-listed company's profits — and an operator's forecast is not a receipt: first oil is expected in 2028, and no barrel has yet been sold.
                Overseas Territory, not Commonwealth
                The Commonwealth is a club of 56 independent countries. The Falklands are not a country and not a member: they are one of fourteen British Overseas Territories — places under British sovereignty that are not part of the United Kingdom itself. They govern their own domestic affairs; the UK keeps defence and foreign policy and appoints a Governor. That is why this tile sits under "Britain overseas" rather than under a Commonwealth heading.
                What we left out on purpose
                Whether the islands are "worth it" is a judgement, and the site does not make it. What being British means to someone living 8,000 miles from Britain is a feeling, and we cannot source a feeling. Everything on the tile is a published figure, a published fact or clearly labelled arithmetic on them; the weighing is yours.

                🌴 How to read the Chagos figures

                So have we given the islands away or not?
                No. A treaty was signed on 22 May 2025, and signing is not the end of the process — a treaty that needs a change in British law does not take effect until Parliament passes that law. The Bill got through the Commons, the Lords amended it in January 2026, and the Commons overturned those amendments on 20 January, dividing three times. Then it needed to go back to the Lords one last time, and that stage was listed as "date to be announced" and never scheduled. On 13 April 2026 ministers said the Bill could not finish, because the United States would not agree the updated 1966 exchange of notes that ratification depends on. It was not in the King's Speech in May 2026. No sovereignty has moved, no money has changed hands, and the base still operates under the arrangements Britain and America made in 1966, which run to 30 December 2036.
                Is it dead, then?
                The government will not say. On 30 July 2026 three separate written questions — including one asking simply whether it remains policy to transfer the territory — all got the same sentence back: that ministers "will continue to work with the US and Mauritius to find a way forward". On 1 September 2026 the Commons was told the United States "must be content with the agreement before we proceed in ratifying the treaty". So: signed, unratified, unfunded, no bill before Parliament, and not withdrawn. Treat this section of the tile as the part most likely to be out of date.
                Why the same deal cost £3.4 billion and £35 billion
                Because those are two ways of adding up the same instalments, and both were honest. The £3.4bn is a net present value: future payments discounted back to today's money at the Treasury's standard Green Book rates, on the reasoning that a pound payable in 2124 is not a pound now. The £34.7bn is what the cheques would total in cash. Between them, about £10bn is the figure if you adjust for inflation but do not discount. The head of the UK Statistics Authority did not say the government's number was wrong; he said it should not have been called "the net overall cost" without saying it had been discounted, and he noted the Office for Budget Responsibility thought the discount rate reasonable for valuing a lease. Higher totals have been quoted using different inflation and discount assumptions; the tile draws the three whose method is published, because a total you cannot check the workings of is not a fact.
                An advisory opinion is not a court order — so why did it matter?
                It is the heart of the disagreement. The International Court of Justice's 2019 opinion was advisory: it bound nobody, and critics say the government treated advice as a verdict. The government's answer is that the 2021 tribunal case showed where advice leads. There, a Law of the Sea chamber deciding a boundary between Mauritius and the Maldives — a case Britain was not party to — treated the International Court's findings as settling the legal status of the archipelago, and did it without Britain in the room. Ministers concluded a binding ruling was a matter of time, and that meanwhile the base's ability to hold radio spectrum, postal codes and fishing rights was being picked at through UN agencies. The strongest reply is that since 1998 Britain has formally excluded disputes about military activities from the compulsory jurisdiction of those tribunals — though that is a shield the tribunal itself decides whether to accept, and it does nothing about the International Court or the General Assembly. Whether all this was prudence or surrender is exactly what the argument is about, and the tile gives both sides their own words.
                What "British Indian Ocean Territory" is
                It is one of the fourteen British Overseas Territories — British sovereign land that is not part of the United Kingdom. Unlike the Falklands or Gibraltar it has no settled civilian population, because the people who lived there were removed between 1968 and 1973. That absence works both ways in the argument: the government says there is no population whose self-determination could be at stake, so the Falklands and Gibraltar are not a precedent; Chagossians say the absence is precisely the wrong being argued over, and that they were never asked. In February 2026 four Chagossian men landed on Île du Coin and refused to leave, and in March a court there struck down the rule that had kept them out — an order now suspended while the government appeals.
                Why the tile does not say what "the Chagossians want"
                Because they do not agree, and pretending otherwise would be the site putting words in people's mouths. The Chagos Refugees Group in Mauritius welcomed the signing; Chagossian Voices opposed it and wants a right of return that includes Diego Garcia itself, which no version of the deal offered. Both are quoted. What is not in dispute is that no Chagossian organisation was a party to the negotiation, that UN human rights experts said so publicly in June 2025, and that most of those who answered a Lords committee survey lacked confidence in the proposed trust fund.
                What we left out on purpose, and what we took out
                Whether the deal was right. That is a judgement about sovereignty, international law and an ally's goodwill, and it is not ours to make on your behalf. We also took several things out after a second check: two higher cost totals whose workings we could not obtain, a claim about how many supply ships sit in the lagoon, a comparison with what France pays for a base elsewhere, and a count of Gulf war bombing missions — all of them plausible, none of them traceable to a source we could open. Where a figure is missing from this tile it is usually because of that, and not because it was inconvenient.

                🐧 How to read the Antarctic figures

                Doing science does not buy Britain its Antarctic vote — and we said it did
                This is the correction that matters most, and the first draft of this tile got it wrong along with almost everyone else. The Antarctic Treaty has fifty-eight member countries and only twenty-nine of them decide anything. You will read everywhere that a country earns that status by "conducting substantial scientific research activity there". Those words are real, but they sit in Article IX(2), and Article IX(2) applies only to countries that joined the treaty later, by acceding to it. Britain is one of the twelve original signatories named in the treaty's preamble; its seat comes from Article IX(1), which attaches no condition whatever. So twelve countries hold a permanent vote and seventeen hold a conditional one. Britain would not lose its vote if it closed every station tomorrow. What it would lose is the standing to use it, the data to argue with, and any independent way of knowing what anyone else is doing down there — which is a real argument for the spending, just not the one usually made.
                The mining ban does not expire in 2048
                The other thing everyone gets wrong. The 1991 environmental protocol says any activity relating to mineral resources other than scientific research "shall be prohibited", and that sentence has no end date. What 2048 actually is: fifty years after the protocol came into force, at which point any country with a vote gains the right to ask for a review conference. Even if one were called, changing the ban would have to be adopted by a majority of the parties including three-quarters of the countries that had votes in 1991, then ratified by three-quarters of the voting countries including every single one of those 1991 countries, and it could not take effect at all unless a binding legal regime for mining were already in force. The one genuine pressure valve is different and less discussed: if such a change is adopted and has not come into force within three years, any country may then give two years' notice and walk out of the protocol altogether.
                Why we print three different budgets
                Because three are published and none of them agrees. A minister told Parliament in March 2025 that the allocation for 2024/25 was £116m. A Foreign Office minister had told a Commons committee in May 2024 that it was £35m of science plus "around another £60 million" of presence — and then said in the same breath "that is £95 million for presence alone", which cannot be right either way. The British Antarctic Survey's own website still says "about £50 million". They are almost certainly counting different things, but no source reconciles them, so we lead on the newest one given to Parliament and show you the disagreement rather than choosing quietly.
                Why do so many countries want to be there at all?
                Four reasons, and only one of them is science. Sovereignty: seven countries claim slices of Antarctica and three of those claims overlap on the Peninsula, where Britain, Argentina and Chile all claim the same ground; a tenth of the continent is claimed by nobody. The treaty freezes all of it, so nothing done now creates a right — but nothing has been given up either, and a station on your sector is what you would want to have if the freeze ever ended. A vote: twenty-nine countries decide what happens to a continent, and seventeen of them bought their seat by building a research station. Fish: krill and toothfish are the only things anyone is legally taking out, and the krill fleet is Chinese, Norwegian, Korean, Chilean and Ukrainian. Minerals: which nobody is legally taking out, though Russia keeps a survey ship mapping oil and gas prospects and calls the work science. The Foreign Office's own strategy, in December 2025, put the whole thing in one line: "The Antarctic region is subject to strategic competition, with some states seeking to assert influence by expanding their regional presence."
                Whose territory is it?
                Britain claims the British Antarctic Territory, and so, over parts of the same ground, do Argentina and Chile. The Antarctic Treaty does not settle who is right: it freezes the question, so that nothing anyone does down there counts for or against a claim, and no new claim can be made while the treaty holds. It is a British Overseas Territory in British law and an unresolved argument in international law, and both of those are true at once. Like the Falklands, it is not part of the Commonwealth, which is a club of independent countries.
                Why the sea-ice chart has a hole in it
                Because there is no published figure to put there. Antarctic sea ice hit its record low in 2023 and stayed at or near record lows for four years. Then, in October 2025, the American ice centre that publishes the analysis the whole world quotes suspended it because its funding was not renewed, and it only resumed at the beginning of this month. So no 2026 Antarctic minimum has been published, by them or anyone else, and rather than estimate one we have drawn the gap. What the centre did say, on 3 September 2026, is that Antarctic ice has been below the long-run average nearly every month since late 2016 but above the record lows of 2023 and 2024. Land ice — the ice that actually raises sea level — is measured differently and tells a clearer and grimmer story.
                What we left out, and what we took out
                We could find no named politician, think tank or commentator attacking this spending on the record in the last two years, so rather than invent a critic every point in the "case against" column comes from a Commons committee's own findings or from figures the British Antarctic Survey publishes about itself. Several numbers a reader might expect simply are not published: what the ship costs to run, what the Foreign Office spends on the territory, what South Georgia earns from fishing licences as a separate line, and how many people are in the territory at any one time. A second check also removed things the first draft had: an end date for the building programme, a funding split for the Thwaites glacier programme, and a tonnage for the ship's share of the carbon footprint — all plausible, none of them traceable to a source we could open.

                🧳 How asylum is funded — the figures

                What a person seeking asylum receives
                £49.18 a week (£7/day) in self-catered accommodation, or £8.86 a week (£1.26/day) where meals are provided — set by the Home Office, reviewed annually. Working is banned until a claim has waited 12 months, and then only in shortage occupations.
                Hotels
                Hotels are overflow, used because the decision backlog outgrew normal dispersal housing — block-booked, often budget or repurposed, frequently shared rooms; the star rating on an old sign says nothing about what's inside. They cost over £8m a day (~£3bn/yr), roughly six times dispersal housing — which is why successive governments have committed to ending their use.
                Any belongings, such as mobile phones
                Phones aren't government-issued. They're usually owned before the journey or cheap/charity handsets — and a smartphone is the one indispensable tool of a crossing (maps, translation, family contact), often the only possession that survives it. Smartphone ownership reflects the low cost of connectivity rather than personal wealth.
                Who pays
                The Home Office budget — i.e. general taxation — with first-year costs partly counted against the overseas aid budget under international accounting rules. The costs are genuinely large and worth debating: the National Audit Office has criticised multi-billion accommodation contracts. The policy argument is about the fix — faster decisions and cheaper dispersal versus deterrence — not about whether the bill exists.
                Why people come — the documented drivers
                The top small-boat nationalities map onto documented crises: Eritrea's indefinite military conscription, Taliban-ruled Afghanistan, Sudan's civil war and famine conditions, persecution in Iran, conflict and drought in Somalia. Around half of decided claims from these countries are granted — these are, in the law's own terms, largely refugee-producing states. Nationality is what's recorded; ethnicity isn't collected.
                Eastern Europeans on the boats — a picture that has dated
                True in 2022: Albanian nationals were the single largest group that year — about 12,700 people, 27% of all arrivals. Since the UK–Albania returns agreement (December 2022), Albanian crossings have fallen by over 99% — 25 people in the first quarter of 2025 — and Albania accounts for most completed returns. No European nationality features in today's top arrivals; the 2022 pattern no longer describes current crossings.

                Sources: ONS long-term migration estimates, Home Office asylum & support statistics, Commons Library briefings, Full Fact. Figures are sourced in both directions. Refreshed quarterly.

                🩺 How we work out the state of the economy

                "In recession" is a definition, not our opinion
                A recession is two quarters in a row in which the economy shrinks — that is the rule everyone uses, and it is the rule we apply, to the ONS's own quarterly GDP figures. Run over the whole series back to 1955 it finds nine episodes, and they are the nine you would name: the mid fifties, 1961, 1973–74, 1975, 1980–81, 1990–91, 2008–09, 2020, and the short dip in late 2023. That agreement is the reason we are willing to use the word flatly rather than hedge it.
                Why a count of measures, and not a score out of 100
                A single "economic health score" would be easier to read and would be a number we invented: no statistics body stands behind it, and you could not check it. So instead each of the twelve measures is compared with itself a year earlier and marked better, worse or much the same, and the headline is simply how many fall in each pile. Every verdict shows the figure behind it, so if you disagree with one you can see exactly which number produced it.
                "Much the same" is doing real work
                Each measure has a band inside which a movement is treated as noise rather than a direction — a tenth of a point for a survey rate, one per cent for a monthly index. Without it a dial would flip between better and worse on a rounding difference, and the count would mean nothing.
                The economy growing and jobs getting worse are not a contradiction
                They happen together often, and both halves of this tile can be true at once. Output is measured quarterly and revised; the labour market turns first and is felt first. Watch particularly for the share of working-age people in a job falling while the number of people in work rises — that means the population grew faster than the jobs did, and it is why we lead on the rate.
                Output per person is the one to watch
                Total GDP can rise simply because there are more people. Output per person divides it by everyone in the country, and it is the line that tracks whether growth is reaching anybody. It is also the honest way to measure a recovery: after 2008 total output regained its old level years before output per person did.
                How long recessions last is the part nobody quotes
                The table under the chart shows, for every recession, how deep it went, how far unemployment rose afterwards, and how many quarters it took for output per person to get back to where it had been. That last column is the one worth reading: after 2008 it took the best part of eight years.
                Two well-known indicators are missing, on purpose
                The purchasing managers' index (S&P Global) and consumer confidence (GfK) would both belong here, and both are commercial data we are not entitled to republish. We would rather name that than quietly leave a gap: you can read them at their publishers.
                What this is not
                It is not a forecast, and there is no prediction anywhere in it — every rung is chosen from figures that have already been published, and each one is dated on the tile. It also does not say why anything moved. General information, not financial advice.

                Sources: ONS quarterly national accounts, monthly GDP, Labour Force Survey, vacancy survey, claimant count, consumer price inflation, average weekly earnings, index of production, retail sales and business investment — Open Government Licence v3.0. The recession dating, the direction of travel and the count of measures are StreetOwl's own, by a fixed rule over those figures.

                💡 How to read the industry figures

                It is the industry of someone's last job
                Not the industry they are looking to join, and not where they work now. Somebody made redundant from a shop who is now applying for warehouse work still counts under shops & motor trade until they start the new job. It also means anyone who has never worked, or has not worked for years, appears in no industry at all — which is why these fourteen rates sit below the national unemployment rate and do not average out to it.
                Read the rate down the column, the count across the row
                The rate is the one that compares fairly between industries, because it already accounts for how big each one is: a large industry always has a large count. The count is what tells you whether a change is a lot of people or a handful. A percentage change on a small industry can be a few thousand people.
                A falling count is not automatically good news
                An industry that is shrinking has fewer people left in it to lose their jobs, so its count of unemployed can fall while the work disappears. That is why the rate for ten years ago is printed beside today's — if the count fell and the rate did not, the industry got smaller rather than safer.
                Why there is no month-by-month figure
                These come from the Labour Force Survey, a sample survey, and since 2018 each period is a rolling three months. Two periods next to each other share two months of the same respondents, so a "change since last month" is mostly the same people counted twice. We show the year and the ten years, which is also what ONS advises: read the long movements, not the short ones.
                Ten years is as far back as we will go
                ONS recoded industry from the 1992 classification to the 2007 one at the start of 2009 and says the effect "is significant for some of the industry sectors", with no adjustment made to the series. A twenty-year comparison would cross that and would not be comparing like with like. There is also a reweighting from January 2019 that puts a step in the ten-year figures — real, published, and worth knowing about before reading too much into any one of them.
                What "small sample" means
                ONS shades the estimates it considers based on a small sample; we carry that flag straight through rather than presenting every figure at the same confidence. Treat a flagged row as a direction, not a measurement.
                And what it cannot tell you
                Nothing about pay, nothing about which jobs are being created, and nothing about degree subjects — graduate outcomes by course are a different dataset entirely (the Department for Education's LEO figures), on a different definition, and cannot be put on the same scale as these.

                ONS UNEM03, unemployment by previous industrial sector, Labour Force Survey. Published monthly under the Open Government Licence v3.0.

                💼 What these numbers mean for your job and pay

                Two different unemployment numbers — read the right one
                The unemployment rate comes from a survey (anyone jobless and actively looking, claiming or not) — the economist's number, national and slow. The claimant count is people claiming unemployment benefits — barely any of it is Jobseeker's Allowance these days; it's almost all Universal Credit with a requirement to seek work, plus a little New Style JSA. It's published monthly right down to ward level, which makes it the timely, local signal — that's the one this tile tracks for your area.
                Real pay — pay measured against prices
                Cash pay rises average 3.4%; with inflation at 2.8%, the average pay rise is worth +0.3% in real terms after prices (ONS measure). In any review or job offer, the comparison point is inflation, not zero: an offer below 2.8% is a reduction in real terms.
                What a soft market changes in practice
                Vacancies at their lowest since 2021 plus a rising claimant count means more applicants per job: moving jobs gets harder and riskier, employers regain negotiating power, and the premium for switching shrinks. It's the classic moment to consolidate — build the case for progression where you're already valued — and if you are job-hunting, expect longer searches and lean on the support that comes with the claim (work coaches, training budgets) rather than going it alone.
                Why we show your ward, not just the nation
                National rates hide huge local variation — neighbouring wards in the same borough can differ sharply, and your ward is the job market you actually live in. Ward-level claimant data updates monthly via Nomis, one of the very few economic numbers that exists at that scale.
                So what does this mean for me, here?
                Read the tile's local claimant figure against the national rate shown beside it. Lower than national generally means a tighter local labour market — fewer people chasing each vacancy, a little more negotiating room for you. Higher means more competition per job and typically longer searches. The single most useful thing is the direction over a few months, not any one month's number: a steady local rise is an early warning the area's employers are shedding, often visible before anything makes the news.
                Which industries? This tile can't tell you — here's what can
                The claimant count doesn't say which industries people left, and we won't pretend otherwise. For that, the ONS publishes employment by industry for your local authority (Business Register and Employment Survey, on Nomis's local labour-market profiles) — it shows which sectors dominate where you live, which is usually more telling than any national headline: a national retail downturn matters far more in a town where retail is the biggest employer.
                What to look out for
                Three signals worth a monthly glance: your local claimant trend (this tile), the national vacancies trend (fewer vacancies per jobseeker = cooling market), and pay against inflation — if the CPI figure on the Money tile outruns typical pay rises, "real" pay is falling even when payslips grow. None of these is advice; they're the same three dials economists watch, pointed at your postcode.

                Sources: ONS Labour Force Survey & claimant count (live series), Nomis for local. General information, not financial or careers advice.

                🏡 How care funding works

                Check the free routes first — in this order
                NHS Continuing Healthcare (CHC): if care needs are primarily health needs, the NHS pays everything, regardless of savings — always ask for the assessment before agreeing fees. Not eligible but in a nursing home? The NHS still pays the £267.68/wk funded nursing care element direct to the home — check it's coming off the bill.
                The means test — and where the house fits
                Council funding starts when assets fall below £23,250 (England). Your income (pensions) contributes first; then savings; then the home's value. The home is not counted while a partner, a relative over 60, or a dependent child lives there — and never for care in your own home. When it does count, three softenings apply: a 12-week property disregard at the start (the house is ignored while you organise), a deferred payment agreement (the council pays now, recovers from the estate later — so a sale usually happens after death, not during life), or the family can pay a top-up for a dearer home (binding — take advice before signing one). In short: unless someone protected still lives in it, the house is expected to fund the care.
                Self-funders: two things worth knowing
                Homes routinely quote self-funders more than the council pays for the same room — you can ask the council to arrange your care at its rate even when you're paying. And once savings approach the threshold, involve the council early: assessments take time and top-ups trap the unwary.
                Where availability information lives
                First, the mental model: there are no NHS-run care homes — homes are private, charity or council-run, and the NHS or council fund places in them. Live vacancies have no public data source anywhere (the NHS Capacity Tracker is internal-only), but three groups see the picture daily and will search for you: the council's adult social care team — request a needs assessment (a legal right, free, regardless of savings) and they must broker a placement at their rate if eligible; hospital discharge teams, who place people every day; and the ICB (NHS), which arranges and pays for the home if Continuing Healthcare applies. Going it alone, the CQC register (ratings + phone numbers — we'll pull it via the API) is the complete ring-round list.

                England rules, 2026/27 rates; Scotland and Wales differ. A council financial assessment and Age UK's guidance are the proper next steps — this is general information, not financial advice.

                🕊 Funerals — costs, rights and help

                What the law requires is much less than the package
                Legally you need the death registered, paperwork for burial or cremation, and respectful care of the person. No law requires embalming, a viewing, a hearse, an expensive coffin — or a funeral director at all. Everything beyond the paperwork is choice, not obligation.
                The price lists exist to be compared
                Since the CMA's 2021 market order, every funeral director must display a standardised price list in branch and online — same format everywhere, so quotes compare like-for-like. Prices for the same service vary by hundreds of pounds within a mile; comparing two lists is the single most effective cost decision.
                Direct cremation is a legitimate mainstream choice
                At ~£1,628 versus ~£3,828+ attended, a fifth of families now choose cremation without a service, then hold their own farewell wherever and whenever suits.
                Help available
                On qualifying benefits, the DWP Funeral Expenses Payment covers cremation/burial fees plus up to £1,000 towards other costs; Bereavement Support Payment is separate and not means-tested. If there's truly no money and no one able to arrange it, the council must provide a public health funeral. Pre-paid plans are now FCA-regulated — check any old plan is with a regulated provider.

                Figures: SunLife Cost of Dying Report 2026. General information, not financial or legal advice.

                🧾 Smoking, drinking, driving — the workings

                Smoking, 10 a day ≈ £2,300/yr
                Cigarette tax is three layers: £7.07 duty per pack of 20, plus 16.5% of the retail price, plus VAT on top of both. On a ~£17 pack that's ~£12.70 to HMRC (~75–80% of the price). Half a pack a day ≈ 183 packs a year. Duty rises again on 1 Oct 2026 (RPI +2% and an extra £2.20 per 100).
                Drinking, 14 units a week ≈ £250/yr
                Alcohol duty is charged per litre of pure alcohol (~£33 for spirits). 14 units a week — the NHS guideline ceiling — is about 7.3 litres of pure alcohol a year ≈ £240 duty, plus VAT on every bottle on top. Drink it as pub beer instead and the duty is lower (draught relief) but the VAT far higher.
                Driving 10,000 petrol miles ≈ £835/yr more than an EV
                At 40 mpg that's ~1,136 litres: fuel duty (52.95p/L, frozen only until Sept 2026) ≈ £601, plus VAT on the pump price ≈ £270. A home-charged EV pays just 5% VAT on electricity (~£35/yr); both now pay the same VED. From April 2028 EVs pay 3p/mile (~£300 at this mileage), narrowing the gap to roughly £530.
                Caveats
                These duties are set deliberately high, to cover health and carbon costs and to change behaviour — which is also why they're avoidable in a way income tax isn't. Figures use average prices and typical consumption; your brands, ABV and mpg will move them. The country comparison is total tax-to-GDP (OECD 2024), which includes employer costs — no single number captures "how taxed you are", but it's the least-bad one.

                Rates: HMRC tobacco/alcohol/fuel duty pages (post Autumn Budget 2025). Comparison: OECD Revenue Statistics 2025. Refreshed after each Budget. General information, not financial advice.

                📅 Add your event

                In the full app this needs a signed-in account, and events are checked before other people see them. Your event stays in this browser — personal events are not synced to your account yet.

                🌬️ How to read air, noise and sewage

                Air
                Defra models the annual average concentration of the two pollutants that matter most for health — fine particles (PM2.5) and nitrogen dioxide (NO₂) — for every 1 km square of the UK. We show the square nearest this postcode against three lines: the World Health Organization's 2021 guideline (PM2.5 5, NO₂ 10 µg/m³), the UK legal limit (20 and 40), and the Environment Act target for PM2.5 of 10 by 2040. Most of England is above the WHO line and below the UK one. A 1 km average hides the busy road at the end of the street.
                Noise
                Defra's strategic noise map models road traffic noise on a 10 m grid, four metres above the ground, for a whole year. Lden is the day–evening–night average with evening and night weighted louder; Lnight is 11pm–7am alone. Defra's maps start at 55 dB (Lden) and 50 dB (Lnight) — the levels at which noise is treated as a health matter — and are blank below 40/35, so "below the mapped threshold" means quiet, not unknown. Railways and airports are separate maps we do not yet read.
                Sewage
                Every storm overflow in England is now monitored, and each year the Environment Agency publishes, per outfall, how many times it spilled and for how many hours. We list the outfalls within 2 km with last year's figures. A spill is untreated sewage diluted with rainwater entering the river; the count uses the Agency's 12/24-hour counting method. Live "discharging now" feeds from the water companies are the next thing we will add.

                ⛏️ How to read The ground under your street

                Coal
                The Mining Remediation Authority (the Coal Authority) publishes the areas where past coal working means a development needs a coal report: a Development High Risk Area is where recorded workings, shafts or outcrops are close enough to the surface to matter; a Low Risk Area is the rest of the coalfield. Being inside one is a reason to buy a CON29M mining report (about £50 through a conveyancer), not a verdict on the house. Individual mine shafts are drawn on the Authority's own map, linked below — their public service does not answer point queries.
                Radon
                A natural radioactive gas from the rock. UKHSA and BGS class every 1 km square by the share of homes estimated to be above the action level (200 Bq/m³); 1% or more makes it an "Affected Area". This is the square, not your house: the definitive address check costs £3.90 at UKradon, and a home test kit is the only way to know what is actually in a room.
                Rock and clay
                The BGS 1:50,000 map names the bedrock and any deposits on top of it. The six GeoSure hazards (shrink–swell clay, landslides, compressible ground, running sand, soluble rocks, collapsible deposits) are shown at the 5 km hexagon BGS publishes openly; the street-level version is licensed to search firms and insurers. Shrink–swell clay is the one that matters for subsidence, and the UKCP18 climate projection says how it is expected to change by the 2030s and 2070s.
                Landfill
                The Environment Agency's register of historic landfill sites — closed tips, some from the 1930s — within 1 km, with the years and the waste types recorded. Current permitted sites are on the permits tile.

                🔋 How to read Wind, solar and batteries nearby

                What the register is
                DESNZ's Renewable Energy Planning Database lists every renewable electricity or storage scheme of roughly 150 kW and up that has entered the planning system in the UK — onshore wind, solar farms, battery storage, hydro, biomass, energy-from-waste — with its capacity, operator, planning authority and where it has got to. It is updated every quarter. Rooftop solar on houses is far below its threshold and is not here.
                The groups
                The six groups on the tile are ours: operating, being built, consented but not yet built, awaiting a decision (application submitted, appeal lodged, or a revised scheme), refused, withdrawn or abandoned, and decommissioned. The grey words after each scheme are DESNZ's own status, so you can check the grouping yourself.
                Distance
                Measured from the postcode centre to the single grid point DESNZ records for the site — usually near its middle. A large solar farm's nearest edge may be much closer than the figure shown.
                Having a say
                A scheme awaiting a decision can be commented on through the planning authority named in the register; very large schemes (over 50 MW onshore) are decided by the Secretary of State through the Planning Inspectorate, where the process is different but still open.
                Source
                Department for Energy Security and Net Zero, Renewable Energy Planning Database, quarterly extract — Open Government Licence v3.0.

                📑 How to read Public money being spent here

                What Contracts Finder is
                The government's register of public-sector procurement in England. Councils, NHS bodies, schools, universities and government departments must publish there when they look for a supplier for anything over about £12,000 (£30,000 for councils), and again when they award the contract. Larger contracts appear on Find a Tender as well; this tile reads Contracts Finder only.
                "Delivered in your district"
                A buyer states where the work will be delivered as a postcode. We match that postcode's district — the letters and first digit, such as SK1 — to yours. For building work and services on a site that is a real place; for a supply contract it is often simply the buyer's own office, so a row here means "the buyer said this postcode", not "something is being built on your street".
                "Your council as buyer"
                Notices whose buyer is the council itself — the name must carry both the council's name and a council word, so an NHS trust or a university named for the town is not counted as the council. In a two-tier area the county council is included.
                The money
                A tender's value is the buyer's estimate; an award's value is the amount awarded. Both are printed as published, with the currency, and are never added up — an award updates a tender, and the same money would be counted twice.
                Source
                Contracts Finder (Cabinet Office), the per-day published-notice files — Open Government Licence v3.0. Every row links to the notice.

                ⚖️ How to read Citizens v the state

                What judicial review is
                Not an appeal. A judicial review asks whether a public body was entitled to do what it did — whether it had the power, followed the right procedure, took account of what the law told it to, or reached a decision no reasonable body could reach. The court can quash the decision and send it back; it does not usually substitute its own. That is why a claimant can win and still get the same answer second time round, lawfully made.
                Why so many case names begin with "R"
                Because a judicial review is formally brought by the Crown on the citizen's behalf: R (on the application of Smith) v Secretary of State. The same thing is often written the other way about — Smith, R (on the application of) v Secretary of State — which is the form most of these judgments actually use. Both mean a citizen challenging the state. R v Smith, with no "on the application of", is something else entirely: that is the Crown prosecuting.
                The two labels are ours, and they are read from the name only
                "Judicial review" comes from that naming convention in the case title. "Public body" names the party after the "v" when it matches a list of public bodies we keep — a department, a council, a police force, a regulator, a statutory scheme. A case with no label is not necessarily private: it means we could not tell from the name, and we would rather say nothing than guess. Both labels describe who was in court, never who won.
                What this tile cannot tell you, and why
                It cannot tell you which rulings matter, what a case decided, or what it changes — because working any of that out means reading the judgment, and The National Archives' Open Justice Licence does not permit us to read inside judgments programmatically ("computational analysis", which the service describes as searching in bulk to identify, extract or enrich contents). So we publish what the service's own feed publishes and send you to the ruling itself. Nothing on this tile is a summary of a judgment, and nothing on it is legal advice.
                What the date means
                The day the court first published the document — not the day of the hearing, and not the day the ruling takes effect. A judgment handed down in July can appear in September.
                Where the list does not reach
                Find Case Law covers England and Wales, plus the UK Supreme Court and the Privy Council, which are UK-wide. In its own words it "does not contain judgments or decisions from Scottish, Northern Irish or Irish courts or tribunals". Within England and Wales we ask six courts only — the Supreme Court, the Court of Appeal (Civil Division), the Administrative Court, the King's Bench Division and two Upper Tribunal chambers — so criminal appeals, the family courts and the First-tier tribunals are not here either. A court that fails to answer is shown greyed out rather than dropped, because a missing court and a quiet court are different things.
                Where to go next
                The Supreme Court publishes a plain-English press summary and a video of the hand-down for its own judgments, and the judiciary publishes press summaries for High Court and Court of Appeal cases it considers to be of public interest. Both are linked from the judgment page this tile sends you to.
                Source
                Find Case Law, The National Archives — the service's own public feed, six courts, re-read every half hour. Contains information licensed under the Open Justice - Licence v2.0.

                🩺 How to read Getting a GP here

                Where the numbers come from
                Every quarter NHS England publishes, for every GP practice in England, how many of its registered patients live in each small statistical area (an LSOA, roughly 1,500 people). Read the other way round — for your area, which practices — it shows where your neighbours actually registered. The percentages are shares of everyone in the area who is registered anywhere.
                What it is not
                Not a catchment map, not a list of who will take you, and not a rating. A practice must accept anyone living inside its boundary unless it has reasonable grounds to refuse — a formally closed list is the usual one — so the practice most of your neighbours use is the likeliest to cover your address, but the only way to know is to ask it.
                List size and the trend
                The total list is every patient registered at the practice, wherever they live, and the change is against the same quarter a year earlier. A fast-growing list usually means new housing or a nearby practice closing; a shrinking one is worth a question. Neither is a judgement on the care.
                What is still missing
                The GP Patient Survey — how easy people found it to get through, and their overall experience, per practice — is published each July and is not yet joined here; the tile says so. Nor are opening hours or whether a list is currently open: those are on the practice's own NHS page.
                Source
                Information from NHS England (Patients Registered at a GP Practice, quarterly LSOA file; ODS practice list), licensed under the current version of the Open Government Licence. England only.

                🏠 Valuation and sold prices

                The record
                HM Land Registry publishes every residential sale in England and Wales that is lodged for registration, from 1 January 1995, with the price on the transfer deed. It is the same public file behind every "sold prices" page. Not in it: sales not for value, Right to Buy discounts, gifts, transfers on divorce, court orders, and leases of seven years or less. Sales take weeks to register, so the latest month or two is always thin.
                Standard and additional sales
                A standard sale is a normal full-market-value purchase. An additional entry is anything else the Registry records with a price — a repossession, a buy-to-let bought by a company, a transfer to a non-private owner. We show both, greyed for additional, and leave additional entries out of the street's medians: a repossession price is a fact, not a market.
                "In today's money"
                Our calculation. Each price is scaled by the change in consumer prices (CPI) between the year of sale and this year, using the same series as the calculator on the Money tab — the Bank of England's method. CPI is the general price level, what money buys; it is not house prices. A sale whose today's-money figure is far below what the house is worth now has beaten inflation — that is the gap this column exists to show.
                The valuation calculator
                It takes a past purchase price and restates it in today's money using the same consumer price series as the calculator on the Money tab — ONS data, the Bank of England's method. That answers "what would I need today to match what I spent then". It is not a house valuation: CPI measures what money buys in general, and houses have their own path, usually a faster one. The grey line under the answer shows what homes on this postcode actually did over similar gaps, which is the closer guide. Only a survey or an agent can value a specific home. The series is published as annual averages, so two months in the same year give the same figure.
                Addresses
                The address fields are Royal Mail's. They may be shown for the purpose of providing residential property price information, which is what this tile does, and nothing else on the site reuses them.

                ⏳ How the calculator works

                Which prices?
                The Consumer Prices Index (CPI) — the official measure of the price of a basket of goods and services. The ONS publishes it from 1988 and a modelled back-series from 1949; we chain the two at 1988, which is what the Bank of England's own calculator does. Every year is the annual average, so "1975" means across 1975, not one day of it.
                Why not RPI?
                The Retail Prices Index runs back further but lost its status as a National Statistic in 2013 because of a flaw in how it is calculated. The Bank does not use it and neither do we.
                What it is not
                It is not house prices, wages, or any one thing's price. A pint, a house and a week's pay have each moved on their own path; CPI is what money in general buys. Use it to ask "was that cheap at the time?" — then compare with what the thing actually costs now.
                The check we run
                The Bank's worked example says £23 in 1975 is £57.68 in 1985, rising 9.6% a year. Our series gives the same answer to the penny; the build fails if it ever does not.

                🛒 Why your shop doesn't feel like the headline rate

                The headline inflation rate is not your basket
                The official rate averages ~700 items — rent, transport, haircuts, streaming — weighted by what the whole country spends. Food is only about a tenth of it. If your money mostly goes on groceries and essentials, your personal inflation rate can run well above or below the headline. That's what this tile tracks: how the price of each everyday item is actually moving, from the same ONS collection that feeds the official numbers.
                Why movement, not prices in pounds
                ONS stopped publishing average shelf prices (the "pint of milk" series), and item-level price quotes for groceries ended when supermarket checkout data replaced field collection. What is still published monthly is an index per item — so the tile shows each item's movement: change since January, and on the month. Direction and speed answer "is my shop getting worse?" more directly than a price tag did.
                Reading the country columns
                US prices are the official BLS city average (May–Jun 2026); German prices are typical supermarket prices (early 2026) — both are dated snapshots, updated by hand, converted at today's exchange rate. The gap moves when the pound moves, so a "cheaper than America" result is partly a currency story. Products aren't perfectly identical across countries (sizes, grades and farming standards differ), and UK food carries no VAT while some US states tax groceries. The UK price is a crowd-sourced supermarket average (no official UK shelf price is published at the moment); ONS's scanner-data average prices are due later in 2026 and will replace it. Some everyday items — butter, sugar, tea, coffee, cucumber, carrots, mushrooms — have no published UK average anywhere, so those rows show their price movement and no prices at all: a German figure with no British one beside it is not a comparison. Nothing here is ever a guess.
                Why "since January" and not "on the year"
                The shopping basket behind these indices is rebuilt every January, and the measuring stick resets with it — so item-level changes are only exact within a calendar year. A year-on-year figure stitched across that reset would be quietly wrong. The official food inflation rate at the top of the tile is the honest annual number, and it is comparable year to year.

                UK data: ONS consumption segment indices — research-grade microdata, updated monthly alongside the inflation release, Open Government Licence v3.0. FX: ECB reference rates via Frankfurter. General information, not financial advice.

                ☢️ What a permit does and does not mean

                A permit is a sign of regulation, not of danger
                Every site listed here operates with permission from the Environment Agency and is subject to conditions, inspection and reporting. The alternative to a permitted waste site near you is not "no waste site" — it is an unpermitted one. Most entries are unremarkable: garages, transfer stations and scrap metal dealers, and the radioactive substances register is dominated by hospitals, universities and industrial measuring gauges rather than anything you would picture.
                Distance is to the registered site, in a straight line
                Measured on the Ordnance Survey grid between your postcode's centre and the coordinates on the permit. Postcodes cover an area, so treat a few hundred metres as noise, and a registered address is sometimes a head office rather than the operating site.
                Why enforcement is shown against companies, not places
                The Environment Agency publishes a register of prosecutions and formal cautions, and where the operator of a site above appears on it, that is noted under the site. It is not a map of offences committed nearby, and could not honestly be one: every record on that register carries the offender's own address, never the place the offence happened. One waste company has a dozen actions nearly all pinned to its head office in a Northampton business park. Plotted as "prosecutions near you" that would show Northampton offences committed hundreds of miles away, and show nothing at all to the people living beside the site that actually offended. So the tile asks the question the data can answer — has this operator been prosecuted? — and leaves the other one alone.
                How a company is matched, and how it can be wrong
                By exact name, after ignoring differences that carry no meaning — "Ltd" against "Limited", an ampersand against "and". Nothing is matched on a partial or approximate name, because the cost of a false match here is telling you a local business has convictions it does not have. That caution cuts the other way too: an operator that has renamed, or trades through a different company from the one prosecuted, will show nothing. Two unrelated firms can also share a name — the register carries no company number and no offence location that would let us tell them apart, only the offender's name and its own address. So the note also says how many of the actions fall in the last five years: a caution from 1999 against a firm of the same name is a fact, not a warning. Every note links to the register, and the safe reading of a match is "worth checking", not "guilty".
                What this tile still does not show
                The enforcement register covers companies only — an individual or sole trader is never on it, so a one-man scrapyard's conviction will not appear. Major-accident hazard sites under COMAH are held by the HSE, and hazardous waste tonnages by postcode district are published annually as a spreadsheet. Both are on the list to add.
                What "Inspected" means, and what it does not
                Since 2025 the Environment Agency has published its inspectors' Compliance Assessment Reports under each permit on the public register — before that you had to ask for them. Where a site above has one, the tile shows how many assessments are on the register and the date and kind of the latest: a site inspection is an officer visiting, a review of reports and data is the officer checking what the operator sent in. Both come from the Agency's own filenames. The finding — whether any permit condition was breached, and how seriously — is inside the PDF, which is linked and which this tile does not read. So "inspected on 10 February" means the regulator looked, not that anything was found. "No inspection report published" means exactly that: waste and industrial permits are covered, radioactive substances permits are not yet, and a report under challenge is withheld until settled.
                How current the enforcement register is
                The tile prints the date of the register's newest entry and counts its last two years, so you can judge how much a clean match is worth. In September 2026 the newest entry was dated October 2025 and no court case had been recorded for 2025 at all; the Agency's own catalogue gives the register's update frequency as "as needed". We report what it records; we cannot say why it has gone quiet, and a gap on the register is not evidence that nothing was prosecuted.
                If something here worries you
                Each site's permit, its conditions and any published inspection reports can be searched on the Environment Agency's register. For pollution you can actually see or smell, their incident line is 0800 80 70 60 — that, rather than this tile, is the right first call.

                Environment Agency public registers, queried live by grid reference. Environment Agency Conditional Licence.

                ⚡ Electricity is not the same as energy

                What this tile is, and is not
                These percentages are Great Britain's electricity generation in the current half-hour. Electricity is roughly a fifth of the energy the country actually uses — the rest is largely gas for heating and oil for transport. So a day when wind supplies half the grid is not a day when the country runs half on wind, and this tile would be misleading if it let you think otherwise.
                Why "imported" has its own line
                Interconnector cables link Britain to France, Norway, Belgium, the Netherlands, Denmark and Ireland. Power flowing in through them was not generated here, so folding it into a total would overstate what Britain produces. It moves with the weather and with prices abroad, and it can flow the other way when we have a surplus.
                Coal at zero
                Not a rounding artefact: Britain's last coal-fired power station closed in September 2024, ending 142 years of coal-fired electricity. A zero here is now the normal reading.
                Why the two halves of this tile disagree
                The live figures at the top are electricity, where low-carbon sources routinely supply more than half. The annual figures below are all energy, where fossil fuels still supply about three quarters. Both are true: Britain has decarbonised its electricity much faster than its heating and its transport, and the distance between the two numbers is the size of the job left.
                Where the annual figures come from
                DUKES — the Digest of UK Energy Statistics — published by DESNZ each July for the previous calendar year. The 2026 edition, covering 2025, was published on 30 July 2026. It is an annual publication, so these numbers will not move again until next summer, and the tile is dated accordingly.
                The carbon intensity figure
                Grams of CO₂ per kilowatt-hour for the current period, with NESO's own banding from very low to very high. It falls when wind and solar are strong and rises when gas is filling the gap, which is why it can change markedly within a day. Where the actual figure has not been settled yet, NESO's forecast is shown and the tile says so.

                Live data: National Energy System Operator (NESO) carbon intensity API, Great Britain only — Northern Ireland is a separate grid, half-hourly, no adjustments by us. Annual data: DESNZ, Digest of UK Energy Statistics (DUKES) 2026, covering 2025, Open Government Licence.

                🛢 How the fuel scorecard works

                "Shortage" means three different things, and the tile keeps them apart
                A price shortage — fuel available, but at prices that force people to use less — is happening now, worldwide: diesel refining margins are running at eight to ten times their normal level. An allocation shortage — governments rationing by rule — is happening in some countries, not Britain. A physical shortage — homes or firms involuntarily cut off — has not happened anywhere, and for the UK the credible risk window is a cold snap between December 2026 and February 2027, on the gas side. Most arguments about "will there be a shortage" are two people talking about different rungs of this ladder.
                Computed, not assigned
                Each fuel is scored on three published indicators (import dependency, stock cover, and concentration of supply routes), plus one for who actually controls the emergency stock. Every indicator has fixed green/amber/red thresholds, set out once and drawn to scale as the coloured track behind each figure — the dark tick is where the UK sits. Green scores 0 points, amber 1, red 2; the fuel chips add them up, so lower is better. The thresholds are our editorial choice (published, fixed, dated); the values are not — each carries its source and its date.
                Old figures say so
                Most of these numbers have no live feed — they come from annual statistical digests and one-off official statements, and they age. Each figure shows its date; ones older than the indicator's shelf life are marked stale rather than being quietly passed off as current. The one live figure is gas storage, from GIE's AGSI+ transparency platform (the same feed the industry uses); the "days of winter demand" conversion is our own arithmetic and is labelled as ours wherever it appears.
                Why Britain scores "Stressed" while the lights stay on
                The UK's crude position is genuinely comfortable — half home-supplied, no chokepoint exposure. The stress is in what refines it and what stores it: diesel self-sufficiency around 45%, roughly 12 days of gas storage cover against Germany's 89 and France's 103, and no government-owned emergency stock at all — the obligation sits entirely on private company balance sheets. None of that means shortage tomorrow; it means less buffer than most neighbours if something else goes wrong.

                Scored by StreetOwl's own rules engine from DESNZ DUKES 2026, IEA, Eurostat, GIE AGSI+, S&P Global and national sources — every figure dated and attributed on the tile. The same engine scores eight world regions on the World tab's Energy layer.

                🏥 What these figures do and do not tell you

                The hospital is a building; the figures are a trust's
                An NHS trust is an organisation that may run a dozen sites tens of miles apart. NHS England publishes performance for the trust, not for each hospital, so the figures here describe the whole organisation. We show you the nearest site because that is the question you asked; we name the trust because that is whose numbers these are.
                Your nearest is not necessarily your hospital
                Referrals follow specialties, catchments and where your GP sends you, not a straight line on a map. A smaller community hospital may be closer than the one with an A&E department. Treat this as "the hospital nearest your postcode", not "your hospital".
                Why there is no overall score
                The eight measures cover different services — emergency care, planned surgery, cancer, scans. A single combined score would need us to decide that a cancer target matters some particular amount more than a diagnostic one, which is a judgement we would be smuggling into a number. Each row is ranked on its own and you can weigh them yourself.
                How to read the rank
                Always counted from the good end, out of every acute trust in England with a published figure that month. 1st is the best on that measure, whether the measure is one where high is good (people seen within four hours) or one where low is good (people waiting over a year). A rank that flipped meaning between rows would be worse than no rank at all.
                The median, not the average
                A handful of trusts report very low figures in any given month, and a mean dragged down by them would tell you a middling hospital is above average. The median — the middle trust — is what "typical" honestly means here.
                What the rank cannot see
                Trusts serve the populations they have. Older, sicker or more deprived catchments produce heavier caseloads and harder numbers, and a hospital doing difficult work well can rank below one with an easier job. These figures measure waiting, not care, and they are a starting point for a question rather than an answer.
                England only, deliberately
                Scotland, Wales and Northern Ireland set their own standards and measure them differently — a four-hour A&E figure is not defined identically across the four nations. Ranking them together would be arithmetic on things that are not the same, so outside England this tile says so instead of guessing.

                Data: NHS England, Acute Provider Table — monthly, covering A&E, referral to treatment, cancer and diagnostic waiting times, Open Government Licence v3.0. Hospital locations from the NHS Organisation Data Service. Metrics are published to different lags, so the month shown is the most recent on the tile. From April 2026 the A&E four-hour figure is measured on the acute trust footprint rather than at provider level, so comparisons with earlier months are not exact.

                🧾 How to read these figures

                Rates, not totals
                Every figure is claimants per 1,000 residents. A league table of raw totals would just be a league table of population — Birmingham would top every one of them. The rank compares your council with others of the same kind in the same country, so an English district is ranked against English districts, not against Scotland and not against a whole region.
                What moves these numbers
                Age profile above all: Attendance Allowance, Pension Credit and State Pension rates are high wherever the population is older, which is a fact about demographics rather than about a place. Health, the mix of local industry, and how many entitled people actually claim all matter too — take-up is never complete, so a low rate can mean fewer people qualify or that fewer people have applied.
                Where it comes from
                Claimant counts come from DWP's Stat-Xplore under the Open Government Licence; the population denominator is the ONS Census 2021 usual-resident count via Nomis. The two have different vintages, so treat the rates as a fair comparison between councils rather than a precise count of today.

                We publish the arithmetic and the source and stop there. Nothing on this tile is a judgement about the people who live here.

                🗳 What you need to vote

                Be registered — the deadline is earlier than you think
                Registration closes 12 working days before polling day. It takes about five minutes online and you only need to do it again if you move house or change name.
                Bring photo ID to the polling station
                Accepted: passport, driving licence (including provisional), older or disabled person's bus pass, and others — expired ID is fine if the photo still looks like you. No ID? Apply for a free Voter Authority Certificate before the deadline. Polls open 7am–10pm.
                Can't get there on the day?
                Apply for a postal vote (at least 11 working days before) or a proxy vote — someone you trust votes on your behalf (at least 6 working days before).
                Local vs national — what each vote decides
                Council elections choose the councillors who run local services — depending on your council that means all seats at once every four years, or a third of them in most years. General elections choose your MP. Some city regions also elect a mayor every four years. Candidate lists and each candidate's statement or manifesto are on Who Can I Vote For once nominations close.

                General guidance — deadlines are set per election; check GOV.UK when one is called. Sources: GOV.UK, Electoral Commission, Democracy Club.

                💷 Autumn Budget 2025 — what it means for you

                Tax thresholds frozen until April 2031 — the largest revenue-raiser
                Income tax and NI thresholds stay put while wages rise, so each pay rise drags more of your income into tax, or into a higher band, without any headline rate changing. Threshold freezes raise more revenue than most headline rate rises.
                Savings and dividends taxed more
                Dividend tax rises 2p in the pound from Apr 2026; tax on savings interest and property income rises 2p from Apr 2027. Money inside an ISA is untouched — shelter savings there first.
                Pay, benefits and pensions up
                National Living Wage £12.21 → £12.71/hr (Apr 2026). The two-child benefit cap is scrapped (Apr 2026) — worth up to ~£3,500/yr per additional child for affected families. State pension up 4.8% to £241.30/wk (new) under the triple lock.
                Driving costs rise later
                The fuel duty freeze and 5p cut survive only to Sept 2026 — pump prices may rise after that. Electric cars pay 3p per mile (hybrids 1.5p) from Apr 2028.
                Pension top-ups via salary sacrifice
                From Apr 2029 only the first £2,000/yr of salary-sacrifice pension contributions escapes NI — if you pay more than that in this way, it matters to your take-home.

                Refreshed after each Budget (one a year, in the autumn — next: autumn 2026, date TBA). General information, not financial advice. Sources: HM Treasury, House of Commons Library.

                🏛 What applies to your home

                Why this matters before you start work
                Most homes have permitted development rights — a set of changes you can make without applying for planning permission. Designations like a conservation area or an Article 4 direction take some of those rights away. The work is usually still possible; you just have to ask first. Doing it without asking can mean an enforcement notice requiring you to undo it at your own cost.
                Trees are the one people get caught by
                In a conservation area, or where a tree preservation order applies, cutting down, topping or lopping a tree without consent is a criminal offence carrying an unlimited fine — and it applies to the contractor as well as the homeowner. In a conservation area you must give the council six weeks' notice before work on most trees, even without a TPO.
                An empty result is not a clean bill of health
                This is the most important thing on this page. The national register is in beta and coverage varies by council — not every authority has supplied its data yet. MHCLG say so themselves: an absence of results does not mean no constraints exist. So this tile only ever tells you what is recorded. If it shows nothing, that means nothing is recorded, which is not the same as nothing applying. Before you spend money, ring your council's planning department and ask them to confirm.
                "Recorded by the council" vs "assembled"
                Rows marked council-supplied came from the local planning authority itself. The rest were assembled by MHCLG from Historic England and other public sources while authorities catch up, and are more likely to be out of date or approximate.
                A postcode is not an address
                We check the map point for your postcode, and a postcode can cover a whole street. A boundary can run down the middle of it — your neighbour may be inside a conservation area while you are outside it, or the reverse. Treat this as "worth checking", never as a decision.
                Where to get the definitive answer
                Your council's planning department holds the legal position and most offer a pre-application advice service for a modest fee — far cheaper than building something you have to take down. For flooding, the Environment Agency's own flood risk service is definitive. For listed buildings, search the National Heritage List for England. Check flood risk National Heritage List Do I need permission?

                Source: MHCLG Planning Data Platform (planning.data.gov.uk), Open Government Licence v3.0. Contains Historic England data © Historic England 2026 and Ordnance Survey data © Crown copyright and database right 2026. Service is in beta. General information, not planning advice.

                🏗 How planning applications work

                The statuses
                NEW — the council has received it and opened a comment window (usually ~21 days). PENDING — awaiting a decision: most are decided by council planning officers; larger or contested schemes go to a public planning committee you can attend, and often speak at. DECIDED — granted or refused; the applicant can appeal a refusal, neighbours can't appeal a grant.
                Commenting counts — if it's on planning grounds
                Anyone can comment, free, on the council's portal. What carries weight are material considerations: traffic and parking, noise, smells, privacy and overlooking, loss of light, character of the area. What doesn't: effect on your property's value, or who the applicant is. One well-argued letter on planning grounds beats ten "I object" one-liners.
                Deadlines matter
                Comments after the window closes may not be considered — silence is read as no objection. If a scheme affects you, comment early and tell your ward councillors too (they can "call in" an application to committee).
                Where this data comes from
                Every application shown here starts life on the council's own planning register, and every link on this tile takes you to the council's portal — that's where the documents live and where comments count. Gathering that data from all 400-plus UK planning authorities is made possible by PlanIt (planit.org.uk), a remarkable free public service built and run by one volunteer, Andrew Speakman, which StreetOwl gratefully relies on. If you value this tile, his project is the one to thank — and it runs on donations.

                General guidance — the exact process varies slightly by council. Sources: council planning portals / GOV.UK planning guidance · data aggregation by PlanIt.

                🌊 Flood risk, defences and insurance

                Where the numbers come from. The risk bands are the Environment Agency's national assessment of flooding from rivers and the sea (NaFRA2), which assigns properties to likelihood bands by 50-metre grid cell — indicative for a postcode, never a verdict on one property. The defence conditions come from the EA's asset-management register: every wall, embankment and structure they track, each with the condition it is in and the condition it is required to be in, from physical inspections on the dates shown.

                What "below required condition" means — and doesn't. It is the Environment Agency's own survey verdict at the date shown, nothing more. A defence below its required grade still works; it is due maintenance. Nothing on this tile predicts that any defence will fail.

                The insurance detail most people miss. Flood Re — the scheme that keeps flood cover affordable in risky areas — excludes homes built after 1 January 2009. If you own (or are buying) a newer home in a risk band, your insurance runs on ordinary commercial terms, and it is worth checking before exchange, not after. Separately, if you are ever flooded, insurers in the scheme can pay up to £10,000 above repair costs to rebuild with flood-resilient materials ("Build Back Better") — you generally have to ask for it, and only about a third of eligible households do.

                Funding. From April 2026 the flood programme fully funds schemes costing up to £3m, with at least 20% of the ten-year budget ring-fenced for deprived areas. The schemes list on the tile is the EA's own register of capital projects near you — current and completed — with the single investment figure the register publishes.

                Sources: Environment Agency Asset Management API and NaFRA2 (Open Government Licence v3); Flood Re. Risk bands England-only; surface-water risk is assessed separately.

                🌊 What flood alerts and river levels mean

                The three levels
                Flood alert — flooding is possible: be prepared, keep an eye on updates. Flood warning — flooding is expected: act now — move valuables, medicines and pets upstairs, be ready to turn off gas, electricity and water. Severe flood warning — danger to life: follow emergency services' instructions.
                The river gauge and "typical range"
                The typical range is the band the river normally sits in. Above typical isn't flooding — it means the river is high; it matters if it keeps rising after sustained rain. The Environment Agency issues an alert well before levels threaten property.
                Worth doing once
                Sign up for the EA's free flood warnings by phone, text or email — they'll contact you rather than you having to check.

                Sign up for warnings Check flooding now

                Source: Environment Agency / GOV.UK flood guidance.

                🏦 What do these numbers mean for mortgage rates?

                The 2% target
                The Government sets the Bank of England a target of keeping inflation — measured by the CPI, the Consumer Prices Index — at 2%. The Bank's main lever is Bank Rate — the interest rate it pays on banks' deposits, which anchors what banks charge everyone else.
                Inflation above 2% → rates tend to rise (or stay high)
                When inflation runs above target, the Bank tends to raise Bank Rate, or hold it higher for longer. Dearer borrowing cools spending, which pulls inflation back down. When inflation falls back to (or below) target, the Bank tends to cut.
                The knock-on effect on mortgages
                Tracker mortgages follow Bank Rate directly — a change shows in your payment the following month. Standard variable rates (SVR) usually move within weeks, at the lender's discretion. Fixed-rate deals don't change until the deal ends — but new fixes are priced off market expectations of where Bank Rate is heading (swap rates), so they often move before the Bank does anything. The flip side: higher Bank Rate generally means better savings rates.

                General information, not financial advice — mortgage pricing also depends on your deal, loan-to-value and lender competition. Sources: ONS CPI (D7G7), Bank of England.

                ✉️ Send feedback

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