According to market research group Mintel borrowers coming to the end of their fixed rate deals have more to worry about than the simple difference between their old, generous deals and the interest rate rises that have occurred since. The banks are - they say - re-categorising... and in the most conservative way. More people will find themselves labeled "non-standard" or "complex prime", which means not sub-prime, darling, but certainly sub-optimal. These people (self-employed, anyone who's had trouble with household bills) will find themselves on the hard end of interest rate rises as lenders re-price with their attention on securing their positions rather than the latest Bank of England meeting. More, courtesy of the Times, here.

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