There is no state intervention. Depending on market conditions, a 30 years fixed can have a higher rate than 25 years. It’s basically hedged with long term bon

There is no state intervention. Depending on market conditions, a 30 years fixed can have a higher rate than 25 years. It’s basically hedged with long term bonds (Belgian or European) + a profit margin for the bank + risk based on your profile (age, health, employment history, …) I guess UK banks are just hedging with shorter term bonds compared to Belgian ones.