ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

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& {# u2 G* {2 L$ C7 gCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

  \& {  p$ H# E( \9 P/ [•70%:  Feel now is a good time to buy a home in Canada
' }. M% u& [" A) G) }3 Q•1/3:  Expect to move in the next five years
•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
+ B. k3 x' x. {& x•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
•87%:  Believe that 40% is the maximum ratio of monthly gross income that one should spend on debts and housing (It's interesting that so many people know this. This 40% figure is, of course, a general lender guideline for maximum TDS.)
5 q4 _* [; w7 q9 u+ nWhat matters to homeowners:

4 I! _  B- u0 k- I5 @( V  s  I•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
•"Service":  The top reason driving customer satisfaction with brokers.
# \8 h7 q  w7 f•"A good relationship":  The top reason behind customer satisfaction with lenders.
Other interesting market share stats:
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9 g! ^  @7 m: K5 @  t/ W; x' H5 d•90%:  The number of people up for renewal who stayed with their existing lender.  That compares to 83% in 2007.  (This is absolutely stunning. Either lender retention departments are getting much better or people are getting more complacent.  In this competitive market, you've got to shop around-or, better yet, get a professional to do it for you.)
) d  b& Y- S5 u  ]4 T•25%:  The number of mortgages originated by mortgage brokers. CMHC said it was 27% in 2007 (See CMHC's 2007 Mortgage Survey).  (The banks seem to be making a comeback for the time being. They're most definitely getting more competitive. In addition, we're seeing a lot of smaller lenders harness the power of the net to drive new business.)
•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)
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8 {) G" _7 A3 f  U2 p( T' b' dhttp://www.happymortgages.com/newsarticle.asp?id=210
Source:  The chart and all data are courtesy of CMHC.