Welsh Housing Awards 2025

Read all the shortlisted entries into this award category, excellence in housing innovation, at the Welsh Housing Awards (WHA) 2025 and find out who won the award on the night.

This award recognises programmes or projects that clearly demonstrate an innovative approach which has made a real difference to the lives of tenants and customers. 

Winning project name

Own Home Cymru zero per cent deposit mortgage

Winning organisation

Wales & West Housing

Partner organisations

MT Polo Limited, Principality Building Society, Monmouthshire Building Society

Statement of support

There is a housing crisis in Wales – insufficient homes are being built to meet a growing population and there is an imbalance between supply and demand. This has pushed prices on the open market out of reach for many people. 

Access to social housing has become increasingly difficult and means a significant number of households are now in ‘intermediate’ housing need. 

These households include people who can’t afford to buy on the private market and struggle with the cost of renting privately. Historically this group would have been able to access social housing but no longer fit criteria. 

Wales & West Housing is primarily a provider of social housing for rent, but the organisation wanted to do more to help the growing number of people who no longer qualify for social housing and have limited options for affordable housing. 

This required an innovative solution and came in the form of Own Home Cymru, the organisation’s own discounted sale product. 

Homes are sold at 70 per cent of their market value to applicants with a local connection who would otherwise be unable to get their first step on the property ladder. 

Own Home Cymru buyers purchase the property outright with Wales & West Housing holding a legal charge against the property. 

When the house is sold, the homeowners will receive 70 per cent of the sale value, with the remaining 30 per cent being paid to Wales & West Housing. The money from any future sale will be reinvested to deliver more affordable housing. 

One of the biggest barriers faced by those in intermediate housing need is raising a deposit to buy their own home with a mortgage. Many existing low cost home ownership schemes require buyers to raise a deposit. With the high cost of renting privately, this restricts their ability to save and puts home ownership further out of reach. 

Wales & West Housing found a solution for this barrier by working in collaboration with other partners. In partnership with MT Polo Limited (financial advisers), Monmouthshire Building Society and Principality Building Society, a zero per cent deposit mortgage product was launched in 2025 for use with Own Home Cymru purchases.

Both companies now offer options to buy Own Home Cymru homes with a zero per cent deposit and competitive mortgage rate.

Caroline Mitchell, mortgage distribution manager at Monmouthshire Building Society, said: “In these challenging times, we want to reassure first time buyers that the property ladder is in reach. By working with Wales & West Housing on the Own Home Cymru initiative we have been able to support customers to buy affordable, energy efficient homes in a way that suits them.” 

A spokesperson for Principality Building Society said: “Principality’s zero per cent deposit mortgage helps remove barriers to those looking to achieve homeownership, giving individuals and families a chance to build stability and invest in their future. We’re proud to join Own Home Cymru in partnership with Wales & West Housing, opening doors for those excluded from the housing market and helping create a fairer society in the communities we serve.” 

Eight homes have already been delivered with Own Home Cymru in Deeside via Keepmoat; 40 more are in the pipeline at Narberth and Abergele, expected to come to market in 2026-2027. 

Many Own Home Cymru homes will be built in areas where first time buyers and young families are priced out of the local housing market. This will allow people to stay in communities where they have local and family connections. They will also be on mixed tenure developments alongside social rented and market sale homes, promoting integration and creating balanced and sustainable communities.

Outcomes and achievements

The first eight Own Home Cymru homes were delivered via the developer Keepmoat at their Dee Gardens development in Deeside. They were completed in May 2025 and the first customers moved in to their homes in July 2025.

Six of these were purchased using the new zero per cent Own Home Cymru mortgage product 

Emily Casselden, 20, and Kane Born, 24, were among these buyers. Both work full time but would have struggled to buy on the open market. Emily said: “We didn’t have a lot of savings behind us so Own Home Cymru was a really convenient way for us to get started on the property ladder. A lot of people our age are giving up on owning their own home but Own Home Cymru offered us what we needed with little savings behind us. One of the great things about having a zero per cent deposit is that we’ve been able to put money towards other things, like carpets, furniture and other items for the house.” 

Kane said: “All I’ve ever wanted since I started work when I was 15 was to own my own house and I’ve achieved that now, it’s a great feeling.”

Shortlisted entries