Graeme Yorston from The Principality Building Society says first time buyers are 'critical' to Wales' housing market.
Wales' biggest building society will be announcing its annual results later. It is thought the results will be positive, led by an increase in the number of first time buyers.
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A cloudy night for most of us, with patchy rain, drizzle and mist at times, largely confined to the south overnight.
The second nominee is Suzanne Edwards from Merthyr Tydfil, whose fundraising idea helped a little girl with cancer get treatment.
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