Almost half of mortgage holders are cutting back on their spending because they fear a rise in interest rates will leave them with a bigger repayment bill.
A new ComRes survey for ITV News found that 49% were holding back ahead of a possible rates announcement from the Bank of England, while 35% of the total population were doing likewise.
At the same time, Britons seem evenly split on how a rate rise would affect their own finances, with 28% saying it would have a positive impact and 27% saying it would be bad news for them.
Just over one in six (17%) homeowners with a mortgage said the impact of a rate rise would be "very negative".
The governor of the Bank of England, Mark Carney, indicated in June that rates could rise "sooner than markets expect".
ComRes interviewed 2,021 British adults online between 1st and 3rd August 2014.
More top news
Enraged after a thief raided his favourite local restaurant, a tough-talking US cop is using the internet in a bid to track down the culprit
Rapper Kanye West threw his microphone in the air and stormed off stage after technical problems halted his show at the Toronto event.
Melita Jackson wrote a letter explaining why she was not leaving a penny to her estranged daughter - but she was later awarded £163,000.