ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

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9 Q, d1 ~. |0 e, d- t) h$ q; ]) R( NCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
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& L5 ?+ \  t1 j$ _•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
" @- T8 j# j6 ]% _' L( b: Y•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
•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.)
& k- B: ?0 p6 e) L: T0 T2 MWhat matters to homeowners:
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( M0 k- \) J3 @•"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.
•"A good relationship":  The top reason behind customer satisfaction with lenders.
: X4 W2 ?; M6 n, ]" z6 y" M8 EOther interesting market share stats:
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& q( K+ T$ O" v3 M' N- M4 E' _; X; B•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.)
6 U! j/ `$ _- Z3 v•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.)
7 |) `4 S# W2 @/ o" N•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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6 P8 N3 _1 G3 ?7 J" Yhttp://www.happymortgages.com/newsarticle.asp?id=210
Source:  The chart and all data are courtesy of CMHC.