ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

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6 _, `) j, T2 O$ m, H: v  I0 P! N# WCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

. T0 T. `. L  B  B0 X2 c•70%:  Feel now is a good time to buy a home in Canada
: v) K7 y. S$ P•1/3:  Expect to move in the next five years
•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
1 |# P7 m/ T. P( J9 D4 y6 L. P•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
4 l  W  x  R# h: e•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.)
& T2 s$ y( m: VWhat matters to homeowners:
5 C9 Y6 j' ]8 e, |0 ^/ X* c, Q+ {8 w" C
4 O6 f  `3 y8 e  h•"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.
% z7 a4 r! B$ j•"A good relationship":  The top reason behind customer satisfaction with lenders.
: p# K" g# i- N4 Y  OOther interesting market share stats:

•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.)
9 U- l/ p: f+ x3 F9 z% H•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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http://www.happymortgages.com/newsarticle.asp?id=210
' D$ A! b2 {) |% BSource:  The chart and all data are courtesy of CMHC.