While borrowers are benefitting from the lowest rates in seven years, lenders are continuing to take record margins.
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Moneyfacts figures show that 29% of savers are looking to fix their interest rate, with the average amount invested in a fixed rate bond standing at £36,872.
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Mortgage rates are being cut, lending criteria is steadily being loosened and product availability is improving, however, it looks as if there is still little incentive for borrowers to commit to a new deal.
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The buy-to-let (BTL) sector was one of the biggest casualties of the credit crisis. At its lowest point (September 2009) 95% of all deals available at the peak of the market (August 2007) were withdrawn, Moneyfacts has commented.
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The average shelf life of a current mortgage deal now stands at 30 working days, the longest since
August 2007, when the market was heavily subscribed with 9,549 products, research from Moneyfacts has shown.
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When bank base rate dropped to 0.50% last year the mortgage market entered unchartered waters. Initial reductions in mortgage rates were soon wiped out as lenders took an increasing margin for risk.
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In order to maintain their balance sheets, providers can either offer competitive mortgage or saving deals, not both, Moneyfacts.co.uk reports.
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