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
A survey showing the number of 14-17 years olds who have tried the products has raised questions about their appeal to young people.
Advertising agency chief executive for Europe Chris Hirst takes a look at Labour's business manifesto ahead of the General Election.
A touching note from a passenger thanking a pilot for getting her home safely in the wake of the Germanwings tragedy has gone viral.