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ICM asked borrowers separately about whether they were insulated from any rise in interest rates by being on a fixed-term deal, and found only 20% thought this gave them full protection, suggesting a majority of the mortgaged householders surveyed regard themselves as at least somewhat exposed.
Switching before a fixed-term deal expires might incur a charge.
After finding a better deal, or deciding to sign up to a fixed-term deal which offers certainty on monthly payments, there is a set timescale for switching.
Before a fixed-term deal comes to an end, customers will be given a 42-day switching window, with no charges if they switch at this point.
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Instead, customers should default back to the standard tariff, unless they actively choose another fixed-term deal, it said.
There are at least 23 fixed-term deals expiring in November, with a further 41 in December, said Moneysupermarket, which has this week crunched the relevant numbers.
Ofgem's plans for small businesses should make details of fixed-term deals clearer.
The idea evolved from the Liberal Democrat demand that a fixed-term parliament should be central to the coalition deal – essentially to prevent the Conservatives suddenly calling an election on their terms.
Of course, the coalition's "rose garden" agreement of May 2010 changed all that by imposing a fixed-term five-year parliament as a mechanism to prevent either party pulling the rug from under the deal for tactical reasons.
Particularly in a fixed-term parliament.
He received a fixed-term exclusion and I received a swarm of questions from all over.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com