Terrible video overall. Why you'd remotely be championing US banks as being better is just laughable. If you look at the US mortgage rate history you're regularly paying a premium for the 30 year fixed rate: https://fred.stlouisfed.org/series/MORTGAGE30US.
Other than in the recent period of rate increases it's not really resulted in a radically different rate being paid by a consumer vs a headline rate here and often worse off. Also the claim you can simply refinance to a better rate when they decrease in the US is utter rubbish. There is significant costs to refinancing in the US meaning you're going to wear higher rates for a period of time until they stablise/bottom out as you won't want to refinance more than once in the cycle as it negates a lot of the savings. In the link below it puts refinancing costs on a $200k loan at up to $10k. If you can't cover those costs there are options to roll it onto your principle which you'll then pay interest on over the next 30 years lol.
The US also don't have the concept of offset accounts which is a great way of reducing your total interest bill if you can make additional repayments as well.
