ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

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3 F! I4 Q! r- M* TCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
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•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
2 B9 Q" n3 [, L' g8 h0 k5 p; d8 H; _•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.)
5 D4 Z$ ?* t/ }5 s8 ]; i1 aWhat matters to homeowners:
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* N4 q' F6 [. Y6 w* W5 J•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
& ~3 |5 B# M# F! d' P$ o* y•"Service":  The top reason driving customer satisfaction with brokers.
•"A good relationship":  The top reason behind customer satisfaction with lenders.
' w/ b9 j  u: G* rOther 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.)
' R6 u" W6 C* ?1 n4 K4 y1 w•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 }8 ?; O; P% H4 r% H•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)

. H" C+ q& g; L. ]* l6 Z6 Shttp://www.happymortgages.com/newsarticle.asp?id=210
0 `; F0 I1 w* ^Source:  The chart and all data are courtesy of CMHC.