After years of waiting and frustration, first time house buyers are once more being offered mortgages that lend 95% of the cost of a home.
It's one of a series of measures being rolled out to kickstart the housing market.
But how much will it help the thousands of people who are desperate to get their feet on the bottom rung of the housing ladder? Our business correspondent Carole Green has been trying to find out.
Wales' biggest buildng society, the Principality, says last year saw new loans totalling over £1bn.
It's reporting a pre-tax profit of just over £25m.
It says that first-time buyers are key to stimulating the housing market and supporting the economy. The society claims lending to this group has increased by a third and hopes it's new 95% mortgage for the group will help boost the housing market.
Graeme Yorston is the Group Chief Executive for Principality:
Graeme Yorston says that keeping the housing market working by lending to first time-buyers is key to the economy.
Principality have released their results for 2012 which show that lending levels have increased. Their message is that first-time buyers are key to stimulating the housing market and supporting the economy and lending to this group has increased by 34%.