Tracking data from professional advice website unbiased.co.uk, shows that 31% of homeowners are on a standard variable rate mortgage compared to only 23% in January 2009.

When describing their current mortgage situation, 29% of homeowners state they are on their lender’s SVR mortgage and have no plans to change this. This has increased from just a quarter who said this in May 2009.

The average amount homeowners are prepared to fix on for three years has decreased over the past year from 4% in January 2009 to just 3.3%. However, unbiased.co.uk says best buys for three-year fixed rate deals are currently around 4.14%.

Unbiased.co.uk’s research also shows there are only 10% of homeowners moving to another mortgage deal once their discounted, fixed or tracker rate deal comes to an end, compared to a slightly higher 12% in January 2009.

Karen Barrett, chief executive of Unbiased.co.uk, said: “With the base rate now remaining at a record low of 0.5% for a full year