ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

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3 I: \! M  H; U! LCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

  y* x: I6 _$ Y; d! f; o0 J* D9 k•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
& ~, }( w5 n- a- B# p8 l•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
3 y/ Y; B$ w2 \5 `: {' B- y$ a) N•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
; l* S& E2 ^4 x•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.)
# k4 m1 u. b3 @: WWhat matters to homeowners:

) s) @! L5 C: ]+ I- B•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
+ j+ D; ~; I8 U$ D•"Service":  The top reason driving customer satisfaction with brokers.
) Y' N4 v: R6 {- h5 `, @" R5 b7 n•"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.)
' L+ s0 e- b- w* s, p5 R( I7 B•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.)

9 c8 p2 Z1 K3 Z8 @& z+ j4 k8 Uhttp://www.happymortgages.com/newsarticle.asp?id=210
4 N4 [0 ^3 `2 a% b' [Source:  The chart and all data are courtesy of CMHC.