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No who told you that? If your interest is fixed you don't fuck with that
In the UK it's quite unusual to have a fixed rate mortgage that goes that long. Normally you'd get a decent rate for 2-5 years, at which point the rate changes to whatever the current default is, and you get the opportunity to fix for another few years
Well mine isn't it fix 30 years. You can get one of those our a floating rate but goddamm I was told to only get a fixed 30 year mortgage. Correct that most people do refinance in 5 years but in today's market no fucking way.
Somehow I think that would be great for un-fucking our "home investment" slave system in the US where landlords buy all these homes on credit, convert them to multifamily, and then use the labor of renters indefinitely while allowing the homes to get worse and worse.
It would solve that one problem, but would create so many more and much larger problems.
Of course, anything in a bubble without considering how to mitigate effects is going to be a problem. If it was just a single change necessary it would have already been done.
Canada. Different rules here. I thought it was the same all across the world.