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:

$ V" T1 Q; m( C7 `$ j•70%:  Feel now is a good time to buy a home in Canada
2 |$ X  ^  h' I' x4 ^•1/3:  Expect to move in the next five years
•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
5 T1 y2 i/ @- ~8 A/ q•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.)
! `1 p0 P) B( EWhat matters to homeowners:

! H+ F% h+ ~1 q. B/ F3 N8 F•"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.
0 L2 h! c# _9 Y- r6 w' Q! u•"A good relationship":  The top reason behind customer satisfaction with lenders.
Other interesting market share stats:
- k( V+ J: @, D& n  m; m/ |+ a4 l. B7 J
•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.)
. W2 |+ _! `% o•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.)

$ R# x0 b2 Y5 G: n& S0 chttp://www.happymortgages.com/newsarticle.asp?id=210
Source:  The chart and all data are courtesy of CMHC.