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Not sure what makes you think this, but most mortgages are a contract for 15 to 30 years that lock you into a rate until the house is paid off. You may be thinking of some kind of variable rate mortgage but I though those renewed the rates way more often than 5 years but I’m not sure. It’ll all depend on the mortgage terms.
I’m definitely weary of posts like this with no data backup. Also what is “actual inflation”? Wouldn’t that be like average inflation across all goods? Doesn’t inflation affect certain markets differently?