This is Steatoda bipuncta, AKA the rabbit hutch spider. It is one of the false widow species but is very rarely implicated in bites and is not the target of the current media frenzy (despite a few cases of mistaken identity by a couple of papers). S. bipuncta is much more widespread than the noble false widow (Steatoda nobilis).
File under "harmless".
It's a strange angle but appears to be the Common Garden spider, Araneus diadematus. This is a common and widespread species and females are very conspicuous during the autumn sitting in the centre of their orb webs.
They are harmless spiders and give good value catching and feeding on insects that are arguably pests in our homes.