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Almost a third of people in England and Wales said their mental health has been affected by soaring mortgage costs in the past year, according to new research. For people with existing mental health problems, nearly four in 10 said the rising costs had worsened their mental health. Mind, the UK’s biggest mental health charity, also said it had seen a 55% increase in the number of people contacting its Infoline over the last 18 months about financial difficulties, including welfare, unemployment and personal debt. The charity’s survey of 3,015 respondents across England and Wales in March and April came before Thursday’s news that the Bank of England had raised interest rates to 5.25% from 5%. The hike, which is yet another bid to get inflation under control, will put more pressure on mortgage holders. Mind’s survey – carried out by Censuswide – suggested that 29% of people had been affected by hearing about or experiencing increasing mortgage costs over the last year. Ten per cent said that it had affected their mental health a lot, the charity added. For people with existing mental health problems, some 36% said the increasing mortgage costs had made their mental health worse. Money problems and mental health often form a vicious cycle, and when we’re struggling to deal with one, the other can become much harder to manage, particularly when it threatens to impact our housing situation Vicki Nash, Mind The charity said younger people were particularly affected, with almost half (48%) of those aged between 16 and 24 saying that the mortgage situation had impacted on their mental health. Vicki Nash, Mind’s associate director of external affairs, said financial difficulties and mental health problems “often form a vicious cycle”. She said: “As we continue to grapple with the rising cost of living, news of yet another possible increase in mortgage rates will be difficult for many families to bear. “Money problems and mental health often form a vicious cycle, and when we’re struggling to deal with one, the other can become much harder to manage, particularly when it threatens to impact our housing situation. “We know some people are becoming so unwell that they need hospital treatment for their mental health. “When this happens the care they receive when they leave hospital is critical so we are calling for the introduction of comprehensive welfare checks, including of people’s financial situation. “These figures show this is a mental health emergency that everyone is going to need help to deal with. We know we can’t fix the cost-of-living crisis but support for your mental health is out there, and we are here for you. “This includes through Mind’s Infoline, online community, Side by Side and the useful information on our website that will be available throughout this difficult period.” Mind has a confidential information and support line which can be called on 0300 123 3393 between 9am and 6pm from Monday to Friday, or people can visit mind.org.uk. Read More Charity boss speaks out over ‘traumatic’ encounter with royal aide Ukraine war’s heaviest fight rages in east - follow live Consuming foods with added sugars may increase risk of kidney stones – study Why TikTok is going wild for lip oil 5 late summer blooms to plant now

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Daniel Ricciardo has revealed that he thought he’d never race in F1 again and has to remove “all ego and status” this year in order to secure a return to the grid. After 11-and-a-half consecutive seasons with a seat in F1, the likeable Aussie was dropped by McLaren at the end of the last campaign following a disappointing two-year spell and failed to find another team to take him on as one of their two race drivers. At the age of 33, he was forced to swallow his pride and accept a role as reserve driver at Red Bull, doing “everything the drivers are doing… other than the driving”, in pursuit of one of those 20 golden seats on the grid. And last week his chance came as he was chosen to replace the axed Nyck de Vries at AlphaTauri, officially on loan from Red Bull to their sister team for the remainder of the season, meaning he will be in the cockpit at the Hungarian Grand Prix this weekend. It is a lifeline back into F1 and even though he ultimately only missed 10 races, the now-34-year-old admits he thought his career was over. “After Abu Dhabi last year, I wasn’t sure if I’d ever race again,” Ricciardo revealed to The Independent in an exclusive interview. “But coming back this year, I removed all ego and status. “I do think this year will be the best thing that’s ever happened to me and it will boost me now for the rest of my career. It honestly came at the right time… everything happens for a reason.” Ricciardo tried to make the most of his enforced time off, escaping the mental and physical rigours of F1 for a life of attending Super Bowls, PGA Tour golf events and Met Galas in New York. He enjoyed those moments, and loved being able to return to Australia for his birthday earlier this month for the first time in 17 years, but the competitive itch soon returned. “I’ve really enjoyed this time off, to have the time for myself,” he said. “Last week I went home to Australia for my birthday, I haven’t done that since I was 17. “It honestly came at the right time. Look, I wish those two years [at McLaren] were better. But it’s given me a mental break because the competition is intense, as much as we love it. It consumes a lot of you so I feel for me to bring my cortisol levels down a little bit, I just feel a lot more balanced this year. “I didn’t want to see a gym for a while. I just wanted to eat and drink with my mates. Out of principle, I wanted to give myself a break. Just to allow myself to put on a few kgs. It felt really good, I trained just once in December and January. “I got to February and remember thinking ‘yeah, I’m done.’ I’d had enough. I didn’t feel like drinking every weekend and partying all the time. I wasn’t going crazy but I thought ‘this life isn’t for me just yet’. “And then I became very self-motivated. I wanted it to come from me, I didn’t want someone telling me to run. I had this urge and desire to be back on the grid – and I’ve never enjoyed training so much. I’ve got more energy to train and the desire has increased, especially not being jet-lagged every fricking week!” After an impressive Silverstone tyre test at the British Grand Prix in F1’s fastest car, Red Bull chiefs Helmut Marko and Christian Horner swiftly made the call to get Ricciardo in the AlphaTauri. And the potential carrot is even greater than a permanent seat at one of the grid’s backmarkers. It’s an open secret that Horner is becoming increasingly frustrated with Sergio Perez, as the Mexican’s increasingly poor performances aren’t giving Red Bull teammate Max Verstappen the support he needs on his unstoppable march to the title. The second driver slot at Red Bull could well open up as soon as the end of this season and, with impressive performances at their sister team, Ricciardo could put himself in position to be sharing a garage with Verstappen. He admits that the ultimate ambition – race wins, maybe even a world championship – is still at the forefront of his mind. “That is the reason I would come back,” added Ricciardo. “I still believe I can do it. I feel like the Red Bull Daniel. He is still here.” Read More Daniel Ricciardo on his F1 comeback, the moment he decided to race again and how he wants his career to end Red Bull has handed Daniel Ricciardo the first step to Sergio Perez’s seat Daniel Ricciardo returns to F1 as he replaces Nyck de Vries

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