ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

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% o; a& z' A4 F$ ]' {5 j' G' p, cCMHC 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
6 ^' L7 M6 W( X' A% b% k•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
% n9 K# B5 e3 k+ g2 S# H% w•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
; N" x) W) S$ x! W& Z•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:

8 ~4 j* E. W4 x2 T5 }* 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.
) K. Z- }4 s; u/ P•"A good relationship":  The top reason behind customer satisfaction with lenders.
: Y. h$ L# n( O) iOther interesting market share stats:

& h& O3 X, p0 u4 t' R2 \•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.)
+ z3 W3 Y$ E8 _  E5 F# V9 c( p- V•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)

8 c  ?1 Q, P. l9 F1 N# Ahttp://www.happymortgages.com/newsarticle.asp?id=210
7 u* y; S7 t6 T" jSource:  The chart and all data are courtesy of CMHC.