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In the UK, we have various mortgage products. You can choose to track the national lending rate (plus some %), standard variable or fixed rate for various periods. Of course they calculate the rates for the various periods based on risk.
Right before the rates really started going up, we managed to get 10 years fixed at a very reasonable rate. The mortgage advisor thought we were crazy and that this was "all going to blow over in no time" and was advising a tracker until "the rates returned to normal".