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Dan and Katie Brett, both 26, bought their first home in Wednesbury, West Midlands, in 2011 and are in the process of moving to a four-bedroom cottage.

Trinity helped them to secure a two-year fixed mortgage but they are anxious about what might happen when it expires in 2017.

Katie, a web designer, told The Sunday Times: “If it [the rate] goes up we will have less disposable income. It will impact us when we are a family.”

Dan, a regional development manager at the cosmetics firm L’Oréal, also commented: “We have been talking through different scenarios of what would happen when interest rates rise with my broker, Trinity Financial.

“Previously I have never been advised on what will happen if rates go up — it’s something the financial services should do more of.”

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Call Trinity on 020 7016 0790 for help to secure a mortgage.

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