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:
More top news
Rain moving east, will spread across Wales in the first half of the night, some likely heavy.
Rain moving east, heavy at times
The Lesbian, Gay, Bisexual and Transgendered communities in Cardiff are celebrating 30 years of campaigning; as part of LGBT History Month.