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Australia here and you get like 3 years fixed if you're lucky.
Here, enter into this lifetime contract; after three years the terms change to whatever the hell I say they are, and you say sir yes sir or I destroy you.
Canada's the same to a max of 5 yrs. You can get longer ones but the rates suck
My understanding is because it's Canadian law that after 5 years banks can no longer charge you for early cancellation. In the states they can for the entire duration of the mortgage. Which, benefits the banks when rates go up, the buyer when rates go down (and the opposite in the states)
I'm pretty sure mortgages with early payoff fees are not the norm here in the US.
They are not.
Pretty sure those were outlawed after the 2008 recession.