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:
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A band of rain pushing in overnight, bringing with it the odd spot of coastal and hill fog, but things should improve by tomorrow.
Local authorities said the move is necessary to "avert the growing number of deaths and increasing harm linked to psychoactive substances".
Sunny and bright spells for most of us this afternoon, feeling pleasantly warm.