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You've got to look at the otherside of the coin. You can't get diddly if you're a german saver literally 0% return if you put your money in the bank in Germany. I know what you get here is not great either but you can get some return at least. It is all about monetary policy, the EU are keeping...

As someone has highlighted above the EU monetary policy committee have set base rate below zero. Mortgages are priced on base rate therefore as our base rate is 0.5% innevitably you are going to pay more. I am not sure what international pot of money you're referring to but this does not exist...