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:

" @5 F/ r* y- L5 X+ D; R! P•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
0 _% o# V/ {# u0 B% n•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?)
•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:
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•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
- \: S' i; o  e, K6 e•"Service":  The top reason driving customer satisfaction with brokers.
, q0 K5 G7 P6 N5 c4 x•"A good relationship":  The top reason behind customer satisfaction with lenders.
2 Q* B" j: A/ U7 e6 c5 ZOther interesting market share stats:

, N3 X) Z9 Y* s+ y0 h( }•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.)
•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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% }' L; A/ M" g2 a8 o# Ehttp://www.happymortgages.com/newsarticle.asp?id=210
; N& q2 x& I: H6 {7 t7 E& b# k( R& vSource:  The chart and all data are courtesy of CMHC.