ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

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CMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

+ f0 Y/ L& U+ t5 n6 {1 [•70%:  Feel now is a good time to buy a home in Canada
, ?, E$ s( T6 d•1/3:  Expect to move in the next five years
* X8 o: W* h2 r( d$ b3 m•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
  f8 B! `( U# O, Y•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.)
' Y( A& m! x) ^2 m4 k1 U: p' KWhat matters to homeowners:
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8 \& d$ E  t3 a0 W) g( ?8 W4 w•"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.
4 T1 f) h0 w5 _* S) A4 H5 vOther 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 d, ^, L. M( C4 P1 j•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.)

+ @) g. @; f* q7 {& @/ ^http://www.happymortgages.com/newsarticle.asp?id=210
Source:  The chart and all data are courtesy of CMHC.