Toaster is duff. Get a new one!
If GU10 spotlights on the lighting circuit are causing an overload then you really need to get an electrician to check it is safe. If they are using that much current then there is a risk they've already started to melt insulation so a re-wire of the lighting circuit might be necessary. Lighting is always on a different circuit so unlikely to be related to the toaster issue.
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