ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

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$ L. O; @8 }6 o- }2 B1 aCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

•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.
$ \$ [6 E! ^6 a, o' S•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
5 Q3 @( T8 T! r, g$ R3 _2 G7 A•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.)
3 {6 i& d6 f0 u1 b7 Q9 zWhat matters to homeowners:

' C" j8 m0 u- Z5 C/ x; T7 Q: k•"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.
5 l/ L- i7 s* {) lOther interesting market share stats:

) F* E! R; \7 J( @1 G4 H) k# Z& 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.)
•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.)
* |- L' V. Z- P' q1 n) `5 q•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)

0 H  J: J. _5 @0 F- I& M' F5 Fhttp://www.happymortgages.com/newsarticle.asp?id=210
$ F2 ^+ U# `4 V' q0 T9 X0 rSource:  The chart and all data are courtesy of CMHC.