ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

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1 {5 K1 `9 Y5 P8 X) B% a7 jCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
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0 ~$ B1 H& h; Z! e: _) C$ B' Y•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
0 s) B( ~% {1 g% x9 A' Q; [0 T1 e•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
4 u  K+ t! p8 h* U•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.)
( ?6 [7 Z7 q- o0 w" eWhat matters to homeowners:
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0 F9 ^& {0 l! p* A  r& }•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
$ f) X& Q2 ^; D) e9 R; z•"Service":  The top reason driving customer satisfaction with brokers.
•"A good relationship":  The top reason behind customer satisfaction with lenders.
: B3 |# B1 H$ n- j4 g6 W6 IOther interesting market share stats:
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•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.)
0 h" e5 ?" I7 e4 M  A0 V( s) L•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.)
$ o3 c  Q8 ]* H# Q) }0 {3 ?" L•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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http://www.happymortgages.com/newsarticle.asp?id=210
Source:  The chart and all data are courtesy of CMHC.