An immediate priority was considering a gap in the market for those struggling to afford mortgage payments and at serious risk of losing their home due to the cost-of-living crisis.
Blaenoriaeth uniongyrchol oedd ystyried bwlch yn y farchnad i'r rhai sy'n ei chael hi'n anodd fforddio taliadau morgais ac sydd mewn perygl difrifol o golli eu cartref oherwydd yr argyfwng costau byw.