English: First of all, house prices in Wales are less expensive than in most other parts of the United Kingdom, not more expensive as Mr Giffard appeared to believe. There are a series of reasons why there are new obstacles in the path of building the number of houses that we need to see here in Wales, both houses for social renting and houses that are built for commercial sale. Brexit means - [ Interruption.] Yes, I know. It's such a sigh, isn't it, because every time you tell these people the truth, they want to roll their eyes around their head as though the truth means nothing to them at all. It is a simple truth that, for the people we rely upon in construction, the tap on those people coming into the United Kingdom was turned off by Brexit. That's why your Government - your Government, another u-turn - [ Interruption.] I know. Listen carefully; I know it's hard to keep up with them. Another u-turn on behalf of your Government is to reverse what they've said on controlling immigration into this country. Why are they having to do that? Because the decisions that flowed from the Brexit decision mean that we have a labour shortage in the construction industry. We have supply-side constraints in the construction industry. Eighty per cent of timber that is used in constructing Welsh homes comes from Europe. As a result of your policies, there are new barriers in getting those things, and there are supply-chain problems that builders face. And they are about to face the biggest blow of all. House builders borrow money in order to construct their homes. They're now going to be spending 6 per cent to borrow that money, where, a year ago, they were able to borrow it for 1 per cent. I agree with what Mr Giffard said at the beginning: we need a greater supply of homes here in Wales. Why then would people think kindly of a Government that erects barrier after barrier after barrier to achieving that end?
Welsh: Yn gyntaf oll, mae prisiau tai yng Nghymru'n rhatach nag yn y rhan fwyaf o rannau eraill o'r Deyrnas Unedig, nid yn ddrytach fel yr ymddengys yr oedd Mr Giffard yn ei gredu. Mae nifer o resymau pam y mae rhwystrau newydd yn atal adeiladu nifer y tai y mae angen i ni eu gweld yma yng Nghymru, tai i'w rhentu'n gymdeithasol a thai sy'n cael eu hadeiladu ar gyfer gwerthu masnachol. Mae Brexit yn golygu bod - [ Torri ar draws.] Ydw, rwy'n gwybod. Mae'n gymaint o ochenaid, onid yw e, oherwydd bob tro yr ydych chi'n dweud y gwir wrth y bobl hyn, maen nhw eisiau rholio eu llygaid fel petai'r gwir yn golygu dim iddyn nhw o gwbl. Mae'n wirionedd syml, o ran y bobl yr ydym ni'n dibynnu arnyn nhw ym maes adeiladu, caewyd y tap ar lif y bobl hynny a oedd yn dod i mewn i'r Deyrnas Unedig gan Brexit. Dyna pam mae eich Llywodraeth - eich Llywodraeth chi, tro pedol arall - [ Torri ar draws.] Rwy'n gwybod. Gwrandewch yn ofalus; rwy'n gwybod ei bod hi'n anodd cadw i fyny â nhw. Tro pedol arall ar ran eich Llywodraeth yw gwrthdroi'r hyn y maen nhw wedi'i ddweud ar reoli mewnfudo i'r wlad hon. Pam y maen nhw'n gorfod gwneud hynny? Oherwydd bod y penderfyniadau a lifodd o benderfyniad Brexit yn golygu bod gennym brinder gweithwyr yn y diwydiant adeiladu. Mae gennym gyfyngiadau ar yr ochr gyflenwi yn y diwydiant adeiladu. Mae 80 y cant o bren sy'n cael ei ddefnyddio wrth adeiladu cartrefi Cymru yn dod o Ewrop. O ganlyniad i'ch polisïau, mae rhwystrau newydd yn atal y pethau hynny, ac mae problemau yn y gadwyn gyflenwi y mae adeiladwyr yn eu hwynebu. Ac maen nhw ar fin wynebu'r ergyd fwyaf oll. Mae adeiladwyr tai yn benthyg arian er mwyn adeiladu eu cartrefi. Maen nhw nawr yn mynd i fod yn gwario 6 y cant i fenthyg yr arian hwnnw, pryd, flwyddyn yn ôl, roedden nhw'n gallu ei fenthyg am 1 y cant. Rwy'n cytuno â'r hyn a ddywedodd Mr Giffard ar y dechrau: mae angen cyflenwad mwy o gartrefi yma yng Nghymru. Pam felly y byddai pobl yn teimlo'n garedig tuag at Lywodraeth sy'n codi rhwystr ar ôl rhwystr ar ôl rhwystr rhag i ni gyrraedd y nod hwnnw?