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
Catch up with the latest episode of Coast & Country where Andrew meets the sleddog racing team and Ruth goes weather watching in Snowdonia.
What a week it's been! We started with exceptionally warm temperatures, braved Doris and now it looks like we're in for a wet weekend!
Cardiff manager Neil Warnock has agreed to stay on at the City Stadium, whilst Swansea boss Paul Clement prepares for a return to Chelsea.