With rising interest rates, energy costs and general cost of living expenses, increasing numbers of homeowners are facing the real prospect of not being able to meet their mortgage repayments.
Gyda chyfraddau llog, costau ynni a chostau byw cyffredinol yn codi, mae niferoedd cynyddol o berchnogion tai yn wynebu'r realiti gwirioneddol o fethu â thalu eu had-daliadau morgais.