ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

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  m' E. @7 p: a! ?0 F+ q7 \( |0 oCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
; O0 K6 T/ Q) ^6 F6 u, I
% p  o0 H5 t& a$ P•70%:  Feel now is a good time to buy a home in Canada
% U  t  S1 ~9 r6 P" C- b•1/3:  Expect to move in the next five years
! r: s' a) ]) W$ m" o* ~•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
- u0 ]  G5 }8 c3 T- p% c7 i% l•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.
" [: E  l6 Y& `1 I9 i/ k/ C•"Service":  The top reason driving customer satisfaction with brokers.
•"A good relationship":  The top reason behind customer satisfaction with lenders.
Other 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.)
•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.)
$ V" I! i4 D2 j$ u; e•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)

% H1 f) \& {' Q1 k2 Dhttp://www.happymortgages.com/newsarticle.asp?id=210
/ I9 ~  I0 o9 b1 E  A% sSource:  The chart and all data are courtesy of CMHC.