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Homeowners whose mortgage deals are coming to an end must take this into account when looking at their future debt management plans, it is advised.

As fixed-rate mortgages come to an end, borrowers could find themselves in difficulty when it comes to sorting their monthly finances, warns Chris Jenkins, co-owner of the Homeowners Advice Centre.

He urges homeowners who think they could have difficulty repaying their mortgage to contact their lender as soon as possible to discuss debt management options.

Sub-prime borrowers who bought or refinanced at the height of the market may find their mortgage options limited, Mr Jenkins continues, again highlighting the need for complete debt management planning.

Figures compiled by YouGov on behalf of Shelter show that 160,000 families are struggling to meet mortgage payments or are falling behind.

Despite these difficulties, one-fifth of those who have fallen behind say their lender has not been in touch to discuss their debt management options.

As the recession takes hold and redundancies continue to rise, more than a third of people also say that they would be unable to pay their mortgage if they suffered a lack of income.

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