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Dodgy adverts impersonating a famous dermatologist and promoting products that don't exist have been uncovered on social media. 

Three adverts for a bee venom cream that falsely claimed it was recommended by reputable medical bodies were among those found by consumer group Which?. 

Two of the ads were posted from Facebook accounts impersonating Dr Emma Craythorne, a well-known dermatologist with more than 150,000 social media followers, despite her not being associated with the product. 

The adverts claimed that the cream could cure skin tags and remove wrinkles in a week. 

Dr Craythorne said the ads were complete "nonsense". 

"These scams target the unwell and desperate, as well as those whose family members and friends are sick," she said. 

The snapshot Which? investigation on Facebook and Instagram in March also found an advert targeted at diabetics promoting a "world-first" non-invasive glucose-monitoring detox wristband - which is not a genuine product. 

It also found four adverts for weight-loss patches that claimed to burn fat by reducing inflammation as well as by curbing appetite. 

Weight-loss patches have not been proven safe or effective and buyers on Trustpilot complained of not receiving orders. 

There was also an advert promoting prostate treatment drops claiming to eliminate prostatitis -which should be treated with antibiotics. 

Meta, which owns Facebook and Instagram, have taken down the ads flagged by Which? 

How can you spot a fake ad? 

Lisa Webb, Which? consumer law expert, told Money that the safest thing to do was to "assume that an ad is fraudulent" with social media "crawling" with fake promotions. 

"It's always best to keep your wits about you," she said.

If you want to check an ad is real, here are some steps to take: 

"Don't click on any links in ads you see  - instead you can hover over the URL to check if it matches the company's website to ensure you aren't being taken to a different site," Webb said. 

"If you think an ad looks suspicious, you can use a reverse image search like Google Image Search or Tineye to copy the image in the ad and see if it has been used elsewhere. 

"You can also check if the product or medicine being advertised is registered with the Medicines and Healthcare products Regulatory Agency by visiting their official website.

"If you spot anything which you think is suspicious, report it to the social media platform to be investigated." 

By Sarah Taaffe-Maguire, business and economics reporter

Oil prices have risen after Israel struck Iran in the early hours of this morning. 

A hit to an oil-producing state in an oil-producing region spook oil markets and spark fears of potential broader or continued conflict.

A barrel of Brent crude oil - the benchmark - has risen more than 7.5% and now costs $74.84 - a high not seen since Trump's so-called liberation day tariff announcement more than two months ago.

The rise is sharp, but could be worse. It's coming up from a year-long low over fears of recession in the US.

There are also no reports of attacks on oil supplies. The current price is still well below the average of $80 a barrel last year.

Iran produces about 3 million barrels of oil a day; if that were to end, other countries could likely pick up the slack. 

The country is the third-largest producer in the Organisation of the Petroleum Exporting Countries.

However, while some market reactions can feel nebulous, oil price rises can directly affect people within days. If the cost remains elevated, motorists will likely feel the rise at the pumps in about 10 days.

More expensive oil can affect the cost of many goods, and push up overall inflation, meaning fewer interest rate cuts and more expensive borrowing for longer.

Every Friday, we take an overview of the mortgage market before rounding up the best rates with independent experts from .

Mortgage rates have declined for a fourth consecutive month, but lenders are making cuts at a slower rate. 

A typical two-year fixed deal rate fell by 0.06 percentage points between the start of May and June to sit at 5.12%. The average five-year fixed mortgage rate dropped just 0.01 percentage point to reach 5.09%, Moneyfacts found. 

By comparison, average two and five-year fixed rates fell more steeply by 0.14 and 0.08 percentage points between April and May. 

Some borrowers may have hoped for rates to fall more rapidly after the Bank of England cut its base rate to 4.25% last month. 

But, these changes affect variable rate deals faster, as lenders often price in interest rate cut forecasts into their fixed mortgage deals months in advance. 

Volatile swap rates, which determine how much banks are charged to borrow in order to lend to customers, have also caused lenders to act more conservatively. 

In fact, over the last week, we have seen several major lenders increasing rates as a result. 

Barclays put up rates by as much as 0.24% and TSB made increases of 0.12%.

But, not all hope is lost - more cuts could be in the pipeline. 

Moneyfacts spokesperson Caitlyn Eastell said: "Mortgage rates are continuing a downward trajectory, albeit at a slower pace and smaller margins despite last month's cut to the base rate. 

"There has been some volatility with swap rates and could explain why lenders are moving rates in the opposite direction, but they are currently sat just below their 30-day lows, so it is possible to see rates drop in the coming weeks." 

We have seen some lenders already moving in that direction, including Royal Bank of Scotland by 0.3%, NatWest by 0.3%, and TSB by up to 0.15%.

Here's a look at the lowest mortgage rates on the market... 

Moneyfacts also picks out "best buys" that look beyond rates to take into account fees and incentives, which could come in handy if you have exhausted your savings for a deposit... 

What about house prices? 

The average UK house price fell by around 拢1,150 or 0.4% month-on-month in May, taking the typical sale price to 拢296,648, according to an index.

Despite the monthly price drop, property values have increased by more than 拢7,000 over the past year, Halifax said.

May's month-on-month price fall follows a 0.3% increase in April.

The annual rate of house price growth also slowed to 2.5% in May, from 3.2% in April.

Three-quarters of parents have bought their children beauty products in the last year, a survey suggests.

Parents spent 拢111 on average on items such as lip balms (41%), face moisturisers (39%), and cleansers (37%), according to the poll for cashback and rewards site Rakuten.

They made the purchases to boost their child's confidence (41%), and to bond with their children (24%).

Fathers were more willing to spend on their children's beauty regimes, spending 拢144 per year compared with the average 拢82 paid for by mothers.

"With skincare and make-up routines and trends taking over social media, it's no surprise that younger children are asking for more luxurious beauty products," said Bola Sol, from Rakuten.

The FTSE 100 has secured a new record closing high after riding out a US trade war-linked slump.

The index of London's leading shares gained 20 points to hit 8,884, surpassing the 3 March peak of 8,771 and leaving its value more than 8.6% up in the year to date.

It was achieved despite gloomy official figures covering April - when the impact of the US trade war started to be felt, household bills spiked and budget tax and wage rises hit employers for the first time.

Shoppers who pay retailers directly from their bank have been warned they have fewer protections against shoddy products or those that never arrive.

The payment option lacks the protections offered by Section 75 of the Consumer Credit Act, which means credit card companies can be held liable for purchases that go wrong and any associated refund.

People using a debit card or a credit card can also get money back via the chargeback scheme at participating shops.

"We'd urge consumers to think carefully before using [pay by bank] to book events or make substantial purchases 鈥� for now, your good old-fashioned credit or debit card may be the best option," says Which? Money editorJenny Ross. 

Those using pay by bank do have general purchase rights under the Consumer Rights Act, which says goods must be fit for purpose, as described and of satisfactory quality.

But Which? said these protections are not always easy to enforce, and in some cases, people may end up needing to go to a small claims court.

They may also face difficulties in the event of a business going bust, the consumer group said.

By Sarah Taaffe-Maguire, business and economics reporter

There had already been a fall in pre-market trading (see our 11.26 post), and now, as the New York Stock Exchange (NYSE) opened, we know for sure the drop is steep.

Boeing has shed more than 4.5% from its share price as the maker of the Air India plane that crashed in Ahmedabad earlier today. 

Another NYSE-listed company, the multinational General Electric Aerospace, made engines for Air India's planes.  Its share price has fallen 2.2% on the open. 

More than a third of parents have quit their job or considered quitting in the past year due to the cost of childcare, a survey has found.

Some 15% of parents with a child under five have left work, while another 20% have considered it, according to the Early Education and Childcare Coalition (EECC).

The group criticised the government for paying providers "less than it costs to deliver those hours".

"At the moment, it feels like the government is giving to parents with one hand and taking with the other," said Sarah Ronan, director of the EECC.

"If providers are to stay open, they have to pass on that shortfall to parents with fee increases. 

"The reality is that continued underfunding is pushing up costs for parents, holding down wages in the sector, and driving staff shortages."

One in three (32%) of the parents surveyed had to borrow money from family or friends, or take out a credit card or loan to pay for childcare.

One in five parents (22%) had to cut back on food shopping in the past twelve months, the survey also found.

Fuller's raised the price of a pint of beer by around 15p across its pubs after an 拢8m hit in staff costs, the firm's boss has said.

That came after April's minimum wage rise and increase in employer national insurance contributions, which combined for a double whammy on the hospitality industry.

Simon Emeny, the Fuller, Smith & Turner chief executive, said prices will be "under review" over the rest of the year, to make sure "going to the pub remains an affordable treat".

The pub group is just the latest to increase the cost of pints, with the British Beer and Pub Association warning the average price would top 拢5 for the first time.

Added costs on the sector, the BBPA said, would raise the average cost by around 21p.

But Emeny also said costs cannot be offset by price rises alone.

Fuller, Smith & Turner, which has around 5,500 staff, is investing in its bars and staff training, in the hope of driving sales higher and countering its costs.

"Six months down the line and I don't think price increases are the only answer," he said.

"It has to come through higher sales." 

He added the consumer spending outlook would be sensitive to the interest rate outlook - and whether the government increases personal taxes.

Fuller's posted a 32% jump in underlying pre-tax profits to 拢27m for the year to 29 March.

Like-for-like sales rose 5.2%, and the group said growth continued into the first 10 weeks of the new financial year, at a more muted rate of 4.2%.

Hybrid working is enjoyed by more than a quarter of British staff, having become steadily more common since 2020.

But it is higher earners who are benefiting the most, data from the Office for National Statistics reveals.

Almost half of workers (45%) with an income of 拢50,000 or more worked both from home and in the office between January and March, while just 8% of those earning less than 拢20,000 did.

Managers, directors and senior officials, those in professional occupations, and those with childcare responsibilities were the most likely to hybrid work.

Since 2022, there has been a "shift from full-time, office-based work to the hybrid-working pattern", the ONS said.

It has "become the 'new normal' for more than one in four workers".

Workers with a degree or equivalent qualification were 10 times more likely than those with no qualifications to work from home.

"Higher earners tend to have higher levels of education, which could give them greater access to roles involving hybrid and remote working," the ONS said.

The IT and professional, scientific and technical industries were some of the most likely to adopt hybrid working.

Workers aged between 30 and 49 were the most likely to hybrid work (36%), compared to 19% of employees aged 16-29 and 24% of those aged 50-69.