First-time buyers 'key'

Principality's results for 2012 show that lending has reached an all-time high.

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First-time buyers offered 95% mortgages

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.

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