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:

•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
% b7 W! A( g) P  E•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?)
- ]. I, Y/ e3 S2 w$ N. V8 ]•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.)
2 a7 Z) Q9 ?8 l) W- hWhat matters to homeowners:
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1 {$ \8 S( u% X•"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.
2 t5 b' S: D, f3 L/ X! sOther interesting market share stats:
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•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.)
0 M  B2 Y1 w, I, h4 t' s5 W/ p0 k•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.)
. E! P2 S; i/ U' d7 g4 `  O•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)
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. _, K" ^, [) T, mhttp://www.happymortgages.com/newsarticle.asp?id=210
. E4 n6 N$ P( Q) ~# i/ T0 c& I$ b! X- NSource:  The chart and all data are courtesy of CMHC.