Un o ganlyniadau’r argyfwng ariannol byd-eang a’r dirwasgiad a’i dilynodd fu tynhau’r amodau ar gyfer rhoi benthyg arian ac yn achos morgeisi, cynyddu’r blaendal y gofynnwyd i brynwyr ei neilltuo.  Gwnaeth hyn dai’n anoddach eu fforddio ac o ganlyniad, cafodd llai o dai eu hadeiladu wrth i adeiladwyr ffrwyno’u cynlluniau.
One of the consequences of the global financial crisis and ensuing recession has been a tightening of lending conditions and, in relation to mortgage lending specifically, higher deposit requirements for potential home-buyers.  These changes in the mortgage market have made home ownership less affordable and, as a consequence, led to a fall in house building activity as builders have scaled back their plans.