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Are you happy with your current mortgage deal?

Digital image / P.K. Stowers
Digital image / P.K. Stowers

Mortgage rates have hit rock bottom as banks offer thousands of dollars in cash and slash advertised interest rates in response to pressure from home-buyers for deals.

A mortgage broker has described the market as "frantic" and "the best it's ever going to get" after negotiating rates as low as 4.75 per cent for clients.

Advertised fixed-interest rates on home loans are at historic lows, but customers can save thousands more dollars by haggling for even lower rates. The Herald has spoken to new home-owners who negotiated large cash bonuses and heavily reduced rates.

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