The research also found that one in five (19%) homeowners feel that 2013 could be a good time to remortgage with three in ten (30%) expecting there to be some good remortgage deals over the next few months
Laurence Mann, head of mortgages at Bank of Scotland, said: “Standard variable rate mortgages have been at historically low levels for quite some time so it is no surprise that many homeowners haven't considered moving from them.
“But with fixed rate mortgages falling, and some good deals expected on the market this year, now is the time for borrowers in Scotland to consider the benefits of remortgaging."
.However the research showed there are still a significant number of Scottish homeowners who prefer to remain on their current mortgage deal (69%).
Of those who aren't considering remortgaging over a third (35%) feel that they are on a low enough interest rate already or that the costs associated would be so high that they may not save money overall (31%).
Nearly one tenth (9%) of those who are not currently considering remortgaging are holding off the decision to see whether mortgage rates will fall further.
Perhaps most interestingly the research shows that half (50%) are unaware that standard variable interest rates for mortgages have actually been higher than fixed interest rates for more than a year.
Fixed rate mortgages have fallen by 125 basis points since March 2009 and the average SVR at 4.83% is currently 0.68% more expensive than the average fixed rate of 3.7%.
