worries for mortgage holders, as the decision puts rates at their highest for 15 years. the bank of england goes further than expected and there are new fears about where rates might go in the future. we'll have the latest reaction and analysis of what this decision means for you. also on the programme... the search effort for the missing sub near the wreck of the titanic reaches a critical stage. five people are on board. this search and rescue operation has become a huge international effort, now into its fifth day. newsreel: the empire windrush brings to britain 500 jamaicans. _ 75 years since the arrival of the windrush, we speak to people about the lives they built here, after coming from the caribbean. allow me to welcome you to the world of final fantasy xvi. and the gaming franchise that's been going strong for 35 years is back

with another installment. and coming up on bbc news... 80,000 fans are expected for the women's ashes over the course of the multi—format series. it all starts at trent bridge today for the five—day test. good afternoon and welcome to the bbc�*s news at one. in the last hour, the bank of england has put up interest rates by half a percentage point — more than had been expected — to 5% — the highest for 15 years. the shock move means more difficulties for about 1.4 million people with a tracker or variable rate mortgage, whose monthly payments will rise again. interest rates have risen for 13 consecutive months now, in an attempt to curb inflation.

the bank of england believes making money more expensive to borrow will deter people from spending, so in turn help reduce the rate at which goods go up in price. 0urfirst report is from our economics correspondent, andy verity. iam i am currently paying £560 a month. at the end ofjuly it will go on to variable and it will go up to £1200 a month. ., ., ., , ., , variable and it will go up to £1200 a month. ., ., .,, ., , _ a month. our mortgage has gone up by over £2200 a — a month. our mortgage has gone up by over £2200 a year, _ a month. our mortgage has gone up by over £2200 a year, it _ a month. our mortgage has gone up by over £2200 a year, it is _ a month. our mortgage has gone up by over £2200 a year, it is a _ a month. our mortgage has gone up by over £2200 a year, it is a huge - over £2200 a year, it is a huge impact — over £2200 a year, it is a huge impact on _ over £2200 a year, it is a huge impact on our expenditure and has an impact _ impact on our expenditure and has an impact on _ impact on our expenditure and has an impact on the family as a whole. rose _ impact on the family as a whole. rose is — impact on the family as a whole. rose is going through what mortgage brokers call payment shock. i am brokers call payment shock. i am havin: to brokers call payment shock. i am having to cut _ brokers call payment shock. i am having to cut down _ brokers call payment shock. i am having to cut down on _ brokers call payment shock. i —.n having to cut down on how much brokers call payment shock. i —.tn having to cut down on how much i spent a week on food. i am having to plan my meals that i cook for the children and i am also currently

looking at getting another part—time job alongside my currentjob. d0 looking at getting another part-time job alongside my current job. job alongside my current 'ob. do you want a bit more? h job alongside my current 'ob. do you want a bit more? and _ job alongside my current 'ob. do you want a bit more? and so _ job alongside my current job. do you want a bit more? and so is - job alongside my current job. do you want a bit more? and so is craig. . job alongside my current job. do you| want a bit more? and so is craig. my wife is working _ want a bit more? and so is craig. my wife is working nights _ want a bit more? and so is craig. my wife is working nights and _ want a bit more? and so is craig. my wife is working nights and i - want a bit more? and so is craig. my wife is working nights and i am - wife is working nights and i am working — wife is working nights and i am working days to reduce child care costs _ working days to reduce child care costs we — working days to reduce child care costs. we are cutting down on things like takeaways and reducing tv provider — like takeaways and reducing tv provider fees as well.— like takeaways and reducing tv provider fees as well. millions are cominu provider fees as well. millions are coming off — provider fees as well. millions are coming off a _ provider fees as well. millions are coming off a fixed _ provider fees as well. millions are coming off a fixed rate _ provider fees as well. millions are coming off a fixed rate mortgage | coming off a fixed rate mortgage deals only to find they can get anyone at rates three times what they were a couple of years ago. thousands of landlords are passing on higher mortgage costs. the bank of england decision to base rates by half a percentage point bring the official rate to 5%. compared to a low of 0.1% two years ago it is a multiple of 50, the steepest over 30 years. inflation is only slowly coming down from its highest level in a0 years. the coming down from its highest level in 40 yew-— in 40 years. the alternative is for the government _ in 40 years. the alternative is for the government to _ in 40 years. the alternative is for the government to do _

in 40 years. the alternative is for the government to do more - in 40 years. the alternative is for the government to do more to i in 40 years. the alternative is for. the government to do more to more in 40 years. the alternative is for- the government to do more to more to try to help in two ways, one, to enhance the responsiveness of the economy, make sure we do not have to fall to recession in order to control inflation and to strengthen safety nets. the bank of england alone cannot deliver lower inflation, financial stability and no recession. it needs help from the government. no recession. it needs help from the government-— no recession. it needs help from the government. , ., , . , , , government. some people are slipping throu~h government. some people are slipping throu . h that government. some people are slipping through that modest _ government. some people are slipping through that modest safety _ government. some people are slipping through that modest safety net - government. some people are slipping through that modest safety net like - through that modest safety net like andrew word, a sports psychologist who caught long covid. since then he was unable to work and his mortgage payments are set to double. taste was unable to work and his mortgage payments are set to double. we need to look at the — payments are set to double. we need to look at the way _ payments are set to double. we need to look at the way we _ payments are set to double. we need to look at the way we treat _ to look at the way we treat post—viral illnesses. if they want peopie _ post—viral illnesses. if they want peopie to — post—viral illnesses. if they want people to come back into the workplace, finding out and researching the root cause of the issue _ researching the root cause of the issue -- — researching the root cause of the issue -- is— researching the root cause of the issue —— is the issue. researching the root cause of the issue -- is the issue.— researching the root cause of the issue -- is the issue. members on the committee _ issue -- is the issue. members on

the committee are _ issue -- is the issue. members on the committee are worried - issue -- is the issue. members on the committee are worried about i issue -- is the issue. members on i the committee are worried about the jobs market where we could have the biggest pay rises a century. employers could have to boost prices even more to boost big wage bills. it could peak at 6% next year. my nightie think they have already gone too far. —— a minority. so what can you do if you have a mortgage and are coming to the end of your fixed rate deal? here's our cost of living correspondent, colletta smith. the first thing you can do is extend the term of your mortgage, taking longer to pay it off which reduces those monthly payments. be careful if you're older because of course you're saddled with those payments for longer in life. speak to a financial adviser or mortgage broker. they can talk you through the options and are likely to save you money in the long run, although they may charge a fee or take a cut. another option is a mortgage where you're only paying off the interest. there are lots of versions of this

on the market at the moment but of course you're not paying off any of the actual debt. but, if you're struggling to make payments, it might be something worth considering, even for a couple of years while mortgage rates are so high. a mortgage payment holiday can be useful if you need a better time —— a bit of time to get yourfinances in order if you're in a bit of a mess. but remember it's only a pause on payments and it will show up in your credit history. the government also has an option at the moment where they are loaning money to people on certain types of benefits. you do have to pay it back but it might help with payments in the meantime. if you are really struggling, the first thing to do is contact your lender before you get behind on payments. they are obliged to treat you fairly and they may be able to reduce payments, even for a short term. and if you're struggling to keep up with your mortgage payments, there's more advice and information on our website in the "tackling it together" section. head to bbc.co.uk/news. in a moment, we'll speak to our chief political correspondent at westminster but first let's go to our economics editor, faisal islam, who's outside the bank

of england for us now. goodness, a bigger rise than even we had expected. goodness, a bigger rise than even we had expected-— goodness, a bigger rise than even we had expected-_ had expected. there were two things to watch out — had expected. there were two things to watch out for _ had expected. there were two things to watch out for from _ had expected. there were two things to watch out for from the _ had expected. there were two things to watch out for from the bank- had expected. there were two things to watch out for from the bank of- to watch out for from the bank of england decision, the immediate rise was bigger than expected, half a percentage point taking it to the highest rate since 2008, 15 years. also the communication around this decision about where rates will settle, whether they will be up this high into 202a. they were a bit more neutral on that. the markets think that rates will go up further to around 6% at the beginning of next year and then start to come down again. the bank did not, sort of, say those expectations were right all that they were wrong. it does seem that there is room to raise further, particularly if the data

continues to disappoint. that is why this decision has been made because inflation data has been higher, hotter, more sticky and stubborn. thejobs and pay hotter, more sticky and stubborn. the jobs and pay data as well. this is the bank in the first instance doing what it was going to do today and in august but doing it upfront now in order to say to the markets, to say to the public, we are very serious about trying to bring inflation down. but we wait for new data prices, new data on thejobs market before we know where rates will go in the future. faisal islam. and to our chief political correspondent, nick eardley, at westminster. nick today's announcement clearly tricky for the government. the cost of living is the biggest issue the government is facing. there are calls in parliament for the government to intervene and help people with increasing mortgage rates. the lib dems have backed that, some tory mps have as well. i

do not think it will happen. speaking to people in the treasury they are adamant it will be a bad idea and make getting inflation down harder. the labour party are saying the same. it wants the government to focus on putting pressure on the banks to be more flexible instead. there is no doubt this is going to lead to a lot of pressure on the government. we are going to hear from the prime minister this afternoon and i think his message will be, stick with the plan, there is not another one. the best thing to do is to keep going and trying to bring down inflation. i think this is going to be the defining issue of the next general election. that makes a lot of conservative mps extremely nervous. rishi sunak tried to portray himself as prime minister as mr stability. many feel that is not the case at the moment, it is extremely dangerous politically for the government.—

extremely dangerous politically for the government. thank you very much for now. fears are growing for the five people onboard the missing sub, the titan, which lost contact during its descent to the wreck of the titanic on sunday. air onboard is forecast to run out today. 0ur correspondentjessica parker reports from boston, where the rescue effort is being co—ordinated. extra equipment is still pouring in. an underwater robot, made by a british firm, has been loaded onto this plane. leaving from the channel islands, it's got a long journey. for those actually at the search site, there's little time. estimates suggest that the missing sub may, by now, have already run out of oxygen. but friends of those on board still have hope. they wouldn't be panicking at all. i believe the two clients are very high—powered businessmen and one of their sons. again, they would be used to not

panicking in business. i'm sure these guys have been hunkering down, conserving their oxygen. they do have chemicals that will suck out the carbon dioxide, they even have blankets which wrap around you to take the carbon dioxide out of the air. among the missing are three british citizens — hamish harding, shahzada dawood and his son, suleman. also, french explorer paul—henri nargeolet, and the man behind the expedition, stockton rush. the titan sub was part of his vision for deep sea innovation. but prior concerns about the safety of the vessel have re—emerged. it was... it was not certified. it had no oversight during design, fabrication and testing. it is self—certifying, which you call experimental. is there room for experimental? yes. to take people down? no. many may now question if a rescue is still possible and whether this is no more

realistically a recovery operation but that is not what the us coast guard has yet said and the search goes on. it's become an international effort. this footage showcases a high—tech french unmanned robot also sent to the scene. but, as yet, no sign of what they've all been looking for. jessica parker, bbc news, in boston. as we heard, a french deep water submersible is now at the site at the site of the search. the unmanned sub will be crucial in the rescue if the titan is found. 0ur correspondent lorna gordon has been to toulon in the south of france to find out more about the robot capabilities. this is the victor 6000, an unmanned special submersible which can operate at depths too deep for most

other remotely operated vehicles, thousands of feet below the surface of the ocean, where the titan has gone missing. the victor 6000 is based out of this institute in the south of france. to give you a sense of its size, it weighs a little over four tonnes, whereas this submarine weighs about 18, so it's a lot smaller. but it is packed with instruments and tools which could help in any rescue operation and research. —— and the search. you have to see in the deep ocean match, so there are light sources which provide the light to see in what would be 20, 30 metres maximum of visibility. furthermore, you have the manipulator arms, and those allow you to connect gear to wrench the titan to the surface. some of the specialist personnel involved in this operation know personally one of those missing aboard the titan, and believe he can

make a difference. he has enough experience to explain to other passengers that if they see a robot out the porthole, they are almost out of danger. an operation like this normally takes months to plan. this has been done in days, a vast and complex search in which every minute will count. lorna gordon, bbc news, toulon. let'sjoinjessica parker. what let's joinjessica parker. what are they saying? what is the latest they are saying and what is the mood this lunchtime? , , , , lunchtime? fresh equipment is being delo ed lunchtime? fresh equipment is being deployed into — lunchtime? fresh equipment is being deployed into the _ lunchtime? fresh equipment is being deployed into the waters _ lunchtime? fresh equipment is being deployed into the waters around - lunchtime? fresh equipment is being deployed into the waters around the l deployed into the waters around the search area as we speak. it is being flown over from the channel islands. there is no sense at the moment that this operation is slowing down. that being said, we haven't heard from

the us coast guard yet today, maybe we will later. yesterday there were clear it was full steam ahead and they would be pulling in assets over they would be pulling in assets over the next 2a, a8 hours. focusing on the next 2a, a8 hours. focusing on the area where they heard noises and sounds and potential banging, though they were not sure what the source of the noise was. it is important to say we cannot know anything. ten. what is clear is that this operation has become more urgent hour by hour. jessica parker in boston. well, bbc analysis has found that the uk had one of the worst increases in death rates of major european economies during the covid pandemic. 0ur head of statistics

robert cuffe is with me. as the covid inquiry gets under way, the bbc has gathered the best available figures to compare three years of death for any reason during the pandemic. they tell an up and down story for the uk. a terrible first year amid two huge waves, with death rates up by about 15% from the what we saw during the five years before. and then vast improvements during the second year's world—leading vaccine roll—out when we actually saw death rates fall below historical averages. but the last year didn't look so good. like some other countries, death rates drifted back up and nhs pressures, heatwaves and a tough flu season didn't help. taken together, that leaves us looking far worse hit than new zealand or scandinavian countries, on this measure, a bit worse than most major european economies but looking far better than the us, where death rates were up?about15%. that first year cost the uk dear, but teasing apart the many reasons behind these differences

with other countries will be a job for the covid inquiry. speak go a reminder of the top story this afternoon. a shock rise in interest rates — they are now 5% — bringing new worries for many mortgage holders. the women's ashes is under way at trent bridge, with england looking to beat australia for the first time in nine years coming up on bbc news... the latest from queens as the world number two carlos alcarez takes to court, hoping to join the british number one cameron norrie in the quarterfinals. the king has said it is crucially important to recognise what he calls the immeasurable difference that members of the windrush generation have made to britain —

75 years after the arrival of the caribbean migrants in the uk. we have been talking to a number of women about their experiences of coming to this country. it was here in tilbury that the empire windrush docked in 19a8, bringing hundreds of caribbeans to the uk. today, the port is alive with music and dance in tribute to the windrush generation and what they did for the uk. tucked away in a croydon shopping centre is a recreation of a classic windrush home. i asked these women what it was like in those early years. everything was cold. i came in april 1962 -

and ijust yearned for home. there is a book by the bbc called going to britain and the first picture in that book is me, aged three and a half, at my nanny�*s. and it's got me in my little duffle coat, my hat, and it says underneath, the caption is "dressed for the cold." i remember initially before i did nursing, i applied for a job in the west end, not knowing anything about racism. i went for the interview and the lady put me in a room and she never came back to me. i sat there for about six hours and then the shop was closing and i left. and in the last five years, the name windrush has also become synonymous with injustice. it has very much mixed feelings, because for one, it took so many years for some recognition of some sort — it's not there yet — of what the windrush generation did.

johnny samuels is one of thousands affected by the windrush scandal, which saw people who had the legal right to live and work here wrongly deported or detained. i received a deportation letter. that was shocking. in a statement, the home office told the bbc it is committed to righting the wrongs of windrush, and that it has paid or offered more than £75 million in compensation, but that it knows there is still more to do. despite what this generation has gone through, there is an enduring pride in what they built here. coming from the different islands, we have done a lot in this country. i would say, as i normally say, we have put the great in britain.

there are of course events happening all over the country, but of course one of the biggest is here at the port of tilbury, where it all began. we have people doing dancers, we've got children doing lessons, an art installation on the bridge, this 19aos installation on the bridge, this 19a0s bus. but, of course, things will really liven up later on when there is a tea dance, a traditional caribbean tea dance, for elders from the windrush generation, which will involve a lot of music and a lot of partying. thank you for now. the mother of a pregnant woman who was murdered by her husband — who pushed her off arthurs seat in edinburgh — has told the bbc he was jealous and insecure. fawsia javed, who was 31, was killed by kashif anwar in 2021. fawsia's mother has been telling the bbc that she believes he didn't

like her daughter being independent. yasminjaved has been speaking to newsnight�*s yasminara khan. fawsia was a solicitor married to kashif anwar, an optical assistant, in an islamic ceremony on the 25th of december 2020. the first time that we met him, thought he was a polite, well—mannered, young person. shortly after their wedding, aanwar knocked fawsia unconscious in a cemetery. around the same time, he put a pillow of her face and punched her in the head. he also withdrew £12,000 from a bank account while she was sleeping. fawsia, who had helped as a volunteer in many charities, including for domestic abuse, decided to end the marriage due to the abuse she endured. she'd contacted divorce lawyers to get the ball rolling to get a divorce, because he always said, "i'm never going to divorce you."

she'd also made voice recordings of him, where he's being threatening and abusive towards her. you've ruined my life. i'll tell you one thing, i'll tell you one thing. j you end this, and i will ruin yours. fawsia went to the police twice, so that there was a record of anwar�*s behaviour, although she didn't want them to intervene at that point. the second police report was made just days before anwar killed her on a weekend away to edinburgh. the couple were captured on cctv heading to the arthur's seat hilltop. after anwar pushed her off, fawsia was able to tell passers by what happened before she died. she was pregnant at the time. fawsia's last words, "am i going to die? "is my baby going to die?" we lost our unborn grandson as well. two lives have been lost. it's double murder.

yasmin javed. you can see more of that interview on newsnight tonight on bbc 2. professor chris whitty, so prominent on our screens during the covid—19 crisis was giving evidence today at the official inquiry. he said he saw for himself the impact that it had on individuals and their families. catherine burns is at the inquiry. ring is right up to date with the evidence being heard today. he: started off by saying he had done 12 weeks on the wards during the pandemic, and he spoke to families, saying, i've seen first—hand the extraordinary devastation. today, really, was about the planning. 0ne really, was about the planning. one thing he spoke about was sage, the scientific advisory group for emergencies. he said this worked

really well during emergencies, but there is a bit of a flaw in the system, in the fact that it does not meet during normal times. he was also asked about something that has come up a lot about this, the lack of thought about a lockdown before the pandemic. he pushed back a bit and said, you know what, every pandemic is different and sometimes massively different to the one that came before. he said lockdown would not have worked for hiv, for the plague, it would not have worked for cholera. another question that came up cholera. another question that came up was why was there so much focus on a possible flu pandemic instead of less likely options? he spoke about the challenges scientists have when they go to politicians and explain the choices, and how to balance those risks. tram explain the choices, and how to balance those risks. two expose really clearly _ balance those risks. two expose really clearly to _ balance those risks. two expose really clearly to political - balance those risks. two expose really clearly to political leaders| really clearly to political leaders that there is a choice in terms of resource. — that there is a choice in terms of resource, here is a one in 50 year event, _ resource, here is a one in 50 year event, do — resource, here is a one in 50 year event, do you _ resource, here is a one in 50 year event, do you want to buy the insurance _ event, do you want to buy the insurance for this one in a 50 year event, _ insurance for this one in a 50 year event, this— insurance for this one in a 50 year event, this is— insurance for this one in a 50 year event, this is how much it's going to cost _ event, this is how much it's going to cost he— event, this is how much it's going to cost. , ., ., , . ,, to cost. he is going to be back after lunch. — to cost. he is going to be back after lunch, giving _ to cost. he is going to be back after lunch, giving more - to cost. he is going to be back - after lunch, giving more evidence. then we will hear from the other big

scientists we saw so much during the pandemic, sir patrick vallance. catherine burns, thanks very much. the women's ashes series is under way in nottingham. it's a different format to the men's event — england are playing australia in a test match at trent bridge, but this will be followed by a number of one day and t20 matches. england haven't beaten australia in the women's ashes for nine years. at lunch, the visitors are 100 for two. jo currie reports. test stadiums and record ticket sales. this women's ashes is promising to be the biggest and best yet. what are you hoping to see on day one of the test? lots of australian wickets. 0r, vice versa, lots of england runs. looking forward to seeing the women play well. and exciting cricket. and beating the aussies into the ground. - yeah! england haven't won the ashes now since 201a. if that's to change this summer, they say they're going to need to do things a little bit differently, and disrupt australia, who have now been so dominant in women's cricket

for the last decade. england's lighting up trent bridge, but would their play do the same? australia won the toss and opted to bat, and soon found the boundary. in the early nottingham heat, england toiled, and came close, before the breakthrough. no review needed. litchfield, on debut, gone. enter lauren filer, her first—ever test ball. a dream start? not quite. change your decision to not out. next time, though, she would make sure — opener mooney dismissed, the 22—year—old proving the difference as england headed towards lunch satisfied with their morning's work. jo currie, bbc news, trent bridge. well, we will talk about a rather different kind of game now. it is a huge franchise in gaming, having sold more than 170 million

copies since its launch in the 1980s. final fantasy is a japanese role playing game set and it encourages players to think more about looking after the planet. its 16th edition is out today, as stefan powell reports. games have come a long way in 35—plus years, but some things never change. the arrival of a new final fantasy is still a significant moment in the gaming industry. the series now spans 16 main releases, with some of the older titles being so beloved they're even being remade for modern consoles. have fun. these have always been fantastical action roleplaying games that won't appeal to everyone, requiring patience and investment to get the most out of them. but many love their aesthetic, the emotional storytelling and gameplay style, even if each release changes the setting and all of the characters. the first final fantasy

came out in 1987. that is a lot. that is good innings for a game series. but i think it's been so successful because it has, like a phoenix, it's been reborn and it has sort of reinvigorated itself so many times within the span of the years. like, the final fantasys of today look absolutely nothing like the final fantasys back then. that there is a fine hound. 0ne element that has been ever present however, and is especially featured in this latest game of thrones inspired iteration, is the theme of looking after the planet. translation: talking _ about the environment and those translation: talking _ about the environment and those issues is very important. issues is very important. i also think what the game focuses i also think what the game focuses on is that there's a darkness on is that there's a darkness in the world that we have to face, in the world that we have to face, so we can overcome it so we can overcome it and move on to tomorrow. and move on to tomorrow. each player will take something each player will take something different from the game and i'm not different from the game and i'm not in a position to say this in a position to say this is what they should feel. is what they should feel. but if they do feel something, but if they do feel something, that makes us very proud and happy.

crystals take more than they give. that makes us very proud and happy. for some, this messaging is a little too subtle. 0thers argue that games are actually no place to campaign or play real world politics.