The scheme helps people who could not otherwise afford to buy a property and is particularly of benefit in more rural communities where there may be few opportunities to buy a home.
Mae'r cynllun yn helpu pobl na fyddai, fel arall, yn gallu fforddio prynu eiddo ac mae'n arbennig o fanteisiol i gymunedau mwy gwledig lle y gallai fod llai o gyfleoedd i brynu cartref.