Pwrpas y Cynllun yw lleihau nifer y perchnogion tai  sydd mewn perygl o weld eu cartrefi'n cael eu hadfeddu ac o fod yn ddigartref, drwy roi amser iddynt ddatrys y problemau ariannol sylfaenol sy'n eu hwynebu.
The purpose of the Scheme is to reduce the number of homeowners at risk of repossession and homelessness by offering them time to resolve their underlying financial issues.