Un o effeithiau cyntaf y dirwasgiad oedd i nifer o gyrff ariannol ddechrau peidio â rhoi benthyg arian ar gyfer tai cymdeithasol. Oherwydd hynny, cydnabuwyd bod y sector yn rhy ddibynnol ar y math hwn o gyllid hirdymor a bod angen ystyried defnyddio marchnadoedd cyfalaf. Mae Tai Cymunedol Cymru, a ariennir gan Lywodraeth Cynulliad Cymru, yn cydweithio ag eraill i ystyried a allai arian cyfalaf helpu i sicrhau mwy o werth am y Grant Tai Cymdeithasol ac yn cynnig ffynhonnell ariannu arall. Penderfynwyd y gallai hyn fod y ffordd fwyaf effeithiol o ddarparu mwy o gartrefi canolradd. Mae nifer o Gymdeithasau Tai yn gwneud gwaith pellach i asesu a oes modd defnyddio'r model hwn yn ehangach.Yr heriau o'n blaen
One of the early impacts of the recession was a withdrawal from the lending market for social housing by a number of the financial institutions involved. It led to recognition that the sector was over reliant on this form of long term funding and that the capital markets should be explored as an option. The Welsh Government funded Community Housing Cymru to work in collaboration with others to explore whether capital finance could help bring more value from Social Housing Grant as well as provide an alternative source of finance. They concluded that this may be most effective in increasing the supply of intermediate housing. Further work is being done by a number of Housing Associations to assess the wider applicability of this model.Challenges going forward