Thank you for your statement, Minister, and I welcome the action being taken by the Welsh Government. The lack of affordable housing across the UK is an issue acutely felt by younger generations. Many are unable to get a mortgage and feel trapped within the private rented sector, paying off the landlord's mortgage instead of being allowed to pay off their own. Often, tenants can be paying far more in rental payments than they would be in mortgage repayments and yet they are told that they cannot afford a mortgage. 

What steps will the Minister take to encourage banks and building societies, particularly community banks such as Banc Cambria, to take the historic rental payments of tenants into account when offering mortgages? And will the Welsh Government introduce rent controls to help those struggling within the existing private rental sector? Diolch.