Ah, right. I could also have picked 30 years for a 'real' fixed mortgage. It just gets a bit more expensive. But it's definitely possible to get 30 year fixed

Ah, right. I could also have picked 30 years for a 'real' fixed mortgage. It just gets a bit more expensive. But it's definitely possible to get 30 year fixed if you really want to, every bank offers it. In the Netherlands an 'adjustable rate mortgage' means monthly, quarterly or yearly variable rates.