According to the ECB, https://www.ecb.europa.eu/pub/pdf/scpwps/ecb.wp2322~0ed0879d8a.en.pdf https://www.ecb.europa.eu/pub/pdf/scpwps/ecb.wp2322~0ed0879d... : "

According to the ECB, https://www.ecb.europa.eu/pub/pdf/scpwps/ecb.wp2322~0ed0879d8a.en.pdf https://www.ecb.europa.eu/pub/pdf/scpwps/ecb.wp2322~0ed0879d... : "FRMs are dominant in Belgium, France, Germany and the Netherlands, while ARMs are prevailing in Austria, Greece, Italy, Portugal and Spain" UK is also ARM but not included as not in euro zone. Note that at least in the NL market which is the only one I know personally, lots of people do get shorter term fixes compared to the US where almost every mortgage is fixed for its lifetime.