The monthly Abbey Remortgage Index has shown that 56 per cent of consumers would opt for such a deal - a four per cent increase on the previous finding.
And despite the possibility of further cuts in the Bank of England's official base rate, just ten per cent would choose a tracker mortgage.
"Borrowers are not willing to gamble on a rate cut, instead they are more likely to opt for a medium-term fix which will provide them with some financial security," said director of Abbey Mortgages Nici Audhlam Gardiner.
In response, the bank is cutting its three-year fixed-rate by 0.15 per cent to 5.39 per cent tomorrow.
The Bank of England's decision to cut the base rate by 0.5 per cent marked the first time it had changed by more than 0.25 per cent since November 2001.
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