31% of all homeowners are on their lender’s standard variable rate (SVR) mortgage and have no plans to change this, according to latest research from unbiased.co.uk. This has risen from 26% in January 2009.

Worrying, it reveals that, on average, the fixed rate deal that homeowners would be prepared to fix at is now an “unrealistic”” 3.3%. This has dropped significantly from an average 4.0% in January 2009.