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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Crowds came to hear him speak this afternoon in Bangor - a seat where fewer than 100 votes could make the difference at the next election.
Scattered showers with the odd heavy burst possible but there will be plenty of sunny spells too.
A rather wet and windy evening, with rain in the north and showers elsewhere.