ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

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8 n, w6 L5 d" o0 |+ _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
4 x5 q) c. J1 l( |; k4 s' m$ w•1/3:  Expect to move in the next five years
0 F7 y3 u& e& E) a! I9 K7 \•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
3 t0 x% C. P( l: o7 v•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
/ V6 O5 f9 S% E' [% x7 z6 @/ j. V•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.)
+ \" W& z6 j. H& b6 Z, n7 Z4 ]What matters to homeowners:

•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
* p/ j$ F- g/ E% |•"Service":  The top reason driving customer satisfaction with brokers.
1 R3 L0 Y4 n4 W/ c9 w3 P, P! U•"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.)
7 k% D. Z1 v% _) J+ X) X" x* M•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.)

; R2 Q, [. w/ c7 R' E8 shttp://www.happymortgages.com/newsarticle.asp?id=210
/ q% p: t% i$ l5 f! a9 eSource:  The chart and all data are courtesy of CMHC.