ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

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6 }8 n+ \' k1 l8 F/ UCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

' d$ v) i1 A4 X3 C1 v•70%:  Feel now is a good time to buy a home in Canada
) E+ N: [+ k" a  Y/ Z. K•1/3:  Expect to move in the next five years
% T3 h- T/ ]7 T+ A- }5 D: v•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
! T# f4 M+ M' V) S  F* T& w0 |•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.)
! u( D: f2 Q6 l; q8 L. mWhat matters to homeowners:
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/ s. M- z3 y  w5 m. ^* P•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
7 l) f: q7 x. F3 c- f, U, s•"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:

& I) F% L" x$ ?2 n, ^% T* ]•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.)
/ L% V# J+ Z5 S. t+ T9 y•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.)
6 B1 U" {# C$ n•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)

5 S5 G+ J0 [7 \! k2 |) }& Chttp://www.happymortgages.com/newsarticle.asp?id=210
Source:  The chart and all data are courtesy of CMHC.