English: And you've just said it there now: the solicitors often are, if you like - . People are encouraged when buying a property to use a particular solicitor, so it sees our own local solicitors in the area out of the equation, if they are a large developer. And I think it is incumbent in any legal transaction, in conveyancing of any kind - I do believe that it should be that people do not go in where they are blindsided with not knowing that they're not buying the actual freehold. The potential exploitation sees home buyers lumbered with unfair agreements and spiralling ground rents. Direct Line for Business research in 2016 suggested that the average annual ground rent was £371 for new builds and £327 for older properties. And as I say, when it comes to buying the leasehold, these people were given a very short window of time in which to buy their freehold, and once that time went they were warned that they could escalate. What a worry that is to someone when they've bought what they believe to be their own home. These practices are unjust, unnecessary and need to stop, and I was really thrilled when the Secretary of State for Housing, Communities and Local Government, Sajid Javid, previously announced new measures to put a stop to unfair practices, and at that time I did actually approach our late colleague, Carl Sargeant AM. And I know that he was very keen and he said he would come back to me. Sadly, he has been unable to. But he was definitely going to look into this and bring about some kind of solution. Recent figures from the Leasehold Advisory Service show that 57 per cent of UK leaseholders generally regret purchasing a property in that way, and therefore these moves by the Conservative Government in Westminster to ban the sale of new-build leasehold properties, cut down on abuses of leasehold and ensure better protection for renters and home buyers are very welcome. So, all I would say is: let's go forward and let's do the same here in Wales. Our people when buying property, our Welsh householders, deserve every protection that is available across the UK. Thank you.
Welsh: Dyna chi newydd ei ddweud: mae'r cyfreithwyr yn aml, os mynnwch - . Anogir pobl wrth brynu eiddo i ddefnyddio cyfreithiwr penodol, felly mae'n golygu nad yw ein cyfreithwyr lleol ein hunain yn yr ardal yn cael eu cynnwys, os ydynt yn ddatblygwr mawr. Ac mae'n ddyletswydd mewn unrhyw drafodiad cyfreithiol, mewn trawsgludo o unrhyw fath - rwy'n credu na ddylai pobl fod yn mynd i sefyllfa lle y cânt eu dallu drwy beidio â gwybod nad ydynt yn prynu'r rhydd-ddaliad ei hun. Mae'r posibilrwydd o gamfanteisio yn golygu bod prynwyr tai yn cael eu llesteirio gan gytundebau annheg a rhenti tir cynyddol. Awgrymodd ymchwil Direct Line for Business yn 2016 fod y rhent tir blynyddol cyfartalog yn £371 ar gyfer adeiladau newydd a £327 ar gyfer eiddo hŷn. Ac fel rwy'n dweud, o ran prynu'r lesddaliad, ychydig iawn o amser a roddwyd i'r bobl hyn i brynu eu rhydd-ddaliad, a phan ddaeth yr amser hwnnw i ben, cawsant rybudd y gallai'r gost godi. Am bryder yw hynny i rywun sy'n credu eu bod wedi prynu eu cartref eu hunain. Mae'r arferion hyn yn anghyfiawn, yn ddiangen ac mae angen rhoi diwedd arnynt, ac roeddwn wrth fy modd pan gyhoeddodd yr Ysgrifennydd Gwladol dros Dai, Cymunedau a Llywodraeth Leol, Sajid Javid, fesurau newydd i atal arferion annheg, ac ar pryd, fe siaradais gyda ein diweddar gyd-Aelod, Carl Sargeant. A gwn ei fod yn awyddus iawn a dywedodd y byddai'n dychwelyd ataf. Yn anffodus, ni allodd wneud hynny. Ond roedd yn bendant yn mynd i edrych ar hyn a sicrhau rhyw fath o ateb. Dengys ffigurau diweddar gan y Gwasanaeth Cynghori ar Lesddaliadau fod 57 y cant o lesddeiliaid y DU yn gyffredinol yn gresynu eu bod wedi prynu eiddo yn y ffordd honno, ac felly mae'r camau hyn gan y Llywodraeth Geidwadol yn San Steffan i wahardd gwerthu eiddo lesddaliadol a adeiladir o'r newydd, cyfyngu ar achosion o gamfanteisio ar lesddaliadau a sicrhau gwell amddiffyniad i bobl sy'n rhentu a phrynwyr cartrefi, i'w croesawu'n fawr. Felly, y cyfan y buaswn i'n ei ddweud yw: gadewch inni symud ymlaen i wneud yr un peth yma yng Nghymru. Mae'r bobl sy'n prynu eiddo, ein deiliaid tai yng Nghymru, yn haeddu pob amddiffyniad sydd ar gael ledled y DU. Diolch i chi.