MORTGAGE MONEY is expected to become more plentiful early next year, although interest rates, which have risen 1/4% to 1/2% since September, are not likely to go down. Supply of lendable funds is up because U.S. savings are on the rise.

CREDIT CARD REVOLT is growing among restaurateurs, who protest clubs' 7% fees. Seattle eating places are adding 5% to bills charged on credit cards. Idea has been adopted by Wisconsin's restaurant association; similar moves are afoot in San Francisco, Manhattan, Baltimore.

MARTIN CO. IS FLYING into rough weather, will lay off 6,000 of 20,000 workers at its Baltimore-area plant within a year unless it lands major new defense orders. Navy cut orders of Martin Sea Master jet seaplanes from 24 to 14 (saving: $60 million to $70 million). Also, Martin is prime contractor for Vanguard and Titan missiles, which may be scrubbed. Vanguard has performed below expectations; Titan was intended to backstop Atlas ICBM, which is doing splendidly.

CHARLES LUCKMAN, onetime wonder-boy boss of Lever Bros., has bought out Partner William L. Pereira, and each will form his own West Coast architectural business. Insiders say Luckman's razzle-dazzle rubbed against conservative Pereira.

BIGGEST U.S.-RUSSIAN DEAL in past decade will send $13.5 million worth of Soviet-made benzene to Dow Chemical Co. over next two years. Dow will get the benzene (used in synthetic rubber, cleaners, plastics) for 25-c- per gal., v. U.S. price of 31-c-. Company will still buy 80% of its benzene from domestic sources, does not intend to let its Russian imports run over 10% of its supply.

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