ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

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0 c/ {2 b' s8 V$ w5 q. o. i: F( _CMHC 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
. h4 F( y8 x3 V/ O5 Z# H9 \: B•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
: S: a7 N7 ~4 K•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.)
What matters to homeowners:

•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
5 b2 }  T2 ]3 O- c2 f•"Service":  The top reason driving customer satisfaction with brokers.
•"A good relationship":  The top reason behind customer satisfaction with lenders.
# E4 ~. {( P4 Q, R& u9 S9 ?" t# M9 D; G! SOther interesting market share stats:

- k2 K4 Y+ `7 y•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.)
, b$ t- O; ?  Q3 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.)
' N" P! n) P: y. y* C# g•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)

9 H9 c9 O' H+ v5 N2 P$ ]1 Shttp://www.happymortgages.com/newsarticle.asp?id=210
Source:  The chart and all data are courtesy of CMHC.