English: Our Conservative amendments 51 and 52 introduce some mandatory grounds for repossession. I'm supportive of the overarching aim of the Bill to increase security of tenure for renters, as are most of us across the Chamber. However, it's worth acknowledging the concerns of many landlords and letting agents about the impact the Bill may have on their ability to regain possession of their property should they need to as a last resort. These concerns have been exacerbated given the bottleneck that courts in Wales are now experiencing, with research from National Residential Landlords Association Wales showing that it now takes private landlords an average of 22.6 weeks from making a claim in the courts for a property to be repossessed to it actually happening. This causes disruption and concern for landlords, increases the cost of action, and prevents homes from being available to people who need them. As such, the Association of Residential Letting Agents have called for additional mandatory grounds to be included in the Bill to ensure that it works and achieves a balanced approach. Amendment 51 therefore includes grounds such as if a landlord intends to sell the property or move into the property as suggested by ARLA. While the Minister did not agree with this in Stage 2, it is important to recognise that people's circumstances change. If a landlord is facing homelessness or financial difficulties, then they may need to move into their property or to sell it, and the Bill should recognise such exceptional circumstances. Amendment 51 also includes grounds for anti-social behaviour and domestic abuse. I'd be interested to know how the Minister would respond to written evidence from the Chartered Institute of Housing Cymru, which states that, 'careful monitoring would need to be established to glean the experience of both tenants and landlords' to ensure that there are no unintended consequences that undermine the ability of landlords to respond to such serious issues. Amendment 52, meanwhile, enables a mortgage lender to regain possession of a property. Whilst supporting the intentions of the Bill, UK Finance note concerns that the effect of the increased credit risk could have a dampening effect on the private rented sector in Wales, which would be counter to the Welsh Government's desire to see a vibrant, viable, high-quality and growing PRS for those who choose or need it. We are all aware of the issues in the supply of homes in Wales, and it is important that the Bill does not have any unintended consequences on the availability of homes. Does the Minister have any plans to review the impact of the Bill on housing supply in Wales, as part of the post-implementation review? Diolch.
Welsh: Mae gwelliannau 51 a 52 y Ceidwadwyr yn cyflwyno rhai seiliau gorfodol dros adennill meddiant. Rwy'n gefnogol i nod cyffredinol y Bil o gynyddu sicrwydd deiliadaeth ar gyfer rhentwyr, fel y mwyafrif ohonom ar draws y Siambr. Fodd bynnag, mae'n werth cydnabod pryderon llawer o landlordiaid ac asiantiaid gosod eiddo am yr effaith y gallai'r Bil ei chael ar eu gallu i adennill meddiant ar eu heiddo pe bai angen iddynt fel cam olaf un. Gwaethygwyd y pryderon hyn o ystyried y dagfa yn llysoedd Cymru ar hyn o bryd, gydag ymchwil gan Gymdeithas Genedlaethol Landlordiaid Preswyl (NRLA) Cymru yn dangos ei bod bellach yn cymryd 22.6 wythnos ar gyfartaledd rhwng bod landlord preifat yn gwneud cais yn y llysoedd i eiddo gael ei adfeddiannu a bod hynny'n digwydd mewn gwirionedd. Mae hyn yn achosi aflonyddwch a phryder i landlordiaid, yn cynyddu cost camau gweithredu, ac yn atal tai rhag bod ar gael i bobl sydd eu hangen. Fel y cyfryw, mae'r Gymdeithas Asiantaethau Gosod Preswyl (ARLA) wedi galw am gynnwys seiliau gorfodol ychwanegol yn y Bil i sicrhau ei fod yn gweithio ac yn ddull cytbwys. Felly, mae gwelliant 51 yn cynnwys seiliau megis os yw'r landlord yn bwriadu gwerthu'r eiddo neu symud i mewn i'r eiddo fel yr awgrymwyd gan ARLA. Er nad oedd y Gweinidog yn cytuno â hyn yng Nghyfnod 2, mae'n bwysig cydnabod bod amgylchiadau pobl yn newid. Os yw landlord yn wynebu digartrefedd neu anawsterau ariannol, yna efallai y bydd angen iddynt symud i mewn i'w heiddo neu ei werthu, a dylai'r Bil gydnabod yr amgylchiadau eithriadol hyn. Mae gwelliant 51 hefyd yn cynnwys seiliau ar gyfer ymddygiad gwrthgymdeithasol a cham-drin domestig. Byddai gennyf ddiddordeb mewn gwybod sut y byddai'r Gweinidog yn ymateb i dystiolaeth ysgrifenedig gan Sefydliad Tai Siartredig Cymru, sy'n nodi y byddai angen sefydlu proses fonitro ofalus i ddysgu am brofiadau tenantiaid a landlordiaid er mwyn sicrhau na cheir unrhyw ganlyniadau anfwriadol sy'n tanseilio gallu landlordiaid i ymateb i faterion difrifol o'r fath. Mae gwelliant 52 yn galluogi benthyciwr morgeisi i adennill meddiant ar eiddo. Er eu bod yn cefnogi bwriad y Bil, mae UK Finance yn nodi pryderon y gallai effaith y risg credyd uwch wanychu'r sector rhentu preifat yng Nghymru, a fyddai'n mynd yn groes i ddyhead Llywodraeth Cymru i weld sector rhentu preifat bywiog, hyfyw, o ansawdd uchel ac sy'n tyfu ar gyfer y rheini sy'n ei ddewis neu sydd ei angen. Mae pob un ohonom yn ymwybodol o'r problemau gyda'r cyflenwad tai yng Nghymru, ac mae'n bwysig nad yw'r Bil yn cael unrhyw ganlyniadau anfwriadol ar argaeledd tai. A oes gan y Gweinidog unrhyw gynlluniau i adolygu effaith y Bil ar y cyflenwad tai yng Nghymru, fel rhan o'r adolygiad ôl-weithredu? Diolch.