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
Patchy rain and drizzle will continue this evening and overnight. Winds will remain brisk with temperature staying on the mild side.
With Christmas around the corner, we'd like to see your pets getting in the spirit in their festive outfits.
ITV News has spoken to one social worker who says the system is unsafe, blighted by bullying and high case loads.