Currently the popularity of fixed-rate mortgages is going down, this may cause long-term debt problems for the rising number of people on tracker deals - something a debt consolidation plan could tackle is caught early.
Fixed-rate loans made up just one-third of the total number of mortgages granted in September.
This may mean more people are getting tracker mortgages to take advantage of the current low base rate which is just 0.5 per cent.
The interest rate will inevitably rise - which could leave the UK struggling to meet repayments in the future.
One way to increase the chances of avoiding such a problem is by getting debt advice now to help wipe out unsecured loans.
A debt help plan could deal with unsecured debts, such as credit card bills, by reducing interest rates and altering the repayment structure based on what a debtor can afford.
This may give cash-concerned UK residents an easier route to clearing unsecured debt in preparation for any future base rate rises.
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