"In the past, the first or only place a person would go when looking for a mortgage was to their local bank, however more and more Canadians are now seeking out the services of Mortgage Brokers to help them navigate the biggest purchase of their lives," said study author Rob Daniel, managing director, Maritz Research Canada, to the Financial Post.

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In Canada, Housing developments moved to centre stage again, with evidence that new homebuilding activity continued to gear up and resale activity stayed strong in December.

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Wolf, an adviser to bank governor Mark Carney, said that in the central bank's view it is premature to be talking about a housing bubble in Canada.

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Although signs of an economic recovery began budding in spring, nine months later, retail investors have yet to jump back into stocks in full force, instead steadily putting money into bond funds in ever-larger sums.

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Canadians will be making a bigger effort to chip away at their soaring debt levels in 2010, according to a consumer survey released Tuesday.

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