I don’t know the details of how that works, but yeah, it’s possible for the vast majority of home borrowers to be on fixed rates.

Essetially “socalism”, In the US Goverments backed Fannie Mae and Freddie Mac, so commercial banks had to compete for loans.

We’d need a government bankto do the same, I think its part of The Greens policy to reestablish one and offer them? but we’d need way more voters to pivot Green, thay seems unlikely, so we’re left with the same stupid, repeating the same stupid mistakes… we sold the last Government bank off.