Low interest rates will finally be increased this summer according to a third of Britons, ending a more than two year period at a record low 0.5%.
The Bank of England is to announce its monthly decision on rates this Thursday, although it is expected to confirm that rates will remain on hold for another month at the least.
Research by Lloyds TSB has found that a third (32%) of people think the UK base rate will eventually increase this summer.
Just one in 20 (5%) Britons think that interest rates will increase this month.
The smart money appears to be on a July rise, with almost one in five people predicting it will be the month when rates increase.
A similar number think a rise will be delivered in October – more than two and a half years after the measure was cut to 0.5%.
There is also split opinion on how significant the rise will be.
Almost a fifth (17%) of people think the base rate will have risen to 1.00% by the end of 2011, with a further one in ten (12%) estimating it will reach 0.75%.
However, one in ten (11%) believe it will rise above 2.00%, a figure which would spell money problems for many households.
One in 10 (11%) households believe a rise in interest rates will have a significant effect on their financial circumstances, forcing some families to rethink their budgets and cut back on everyday items.
A further fifth (18%) think they will feel the effect meaning they need to cut back on occasional treats with 6% worrying how they will cope financially.
"It is clear that Britons are expecting interest rates to rise this year and we know savers are uncertain whether to lock their savings away for fixed period with continued speculation that interest rates will change," said Greg Coughlan, head of savings at Lloyds TSB.
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