sylweddol

Mae hyn er gwaethaf yr heriau—heriau sylweddol—a wynebwyd gennym, boed hynny'n gyllideb drychinebus Liz Truss, Brexit, a rhywfaint o'r prinder sgiliau yn y cyswllt hwn.

This is despite these headwinds—significant headwinds—that we have had, whether that's the disastrous Liz Truss budget, Brexit, and some of the skills shortages within this.

C1

Rwy'n croesawu'r ffaith bod Llywodraeth Cymru wedi rhoi'r gorau i'r hawl i brynu, lle cafodd nifer sylweddol o dai rhent cymdeithasol eu gwerthu.

I welcome the fact that the Welsh Government ended the right to buy, which saw a mass sell-off of social housing for rent.

C1

Mae pob un ohonom wedi gweld cynnydd yn y dreth gyngor—mewn rhai achosion, cynnydd sylweddol iawn ledled Cymru.

We've all seen council tax rises—in some cases, very substantial rises across Wales.

C1

Ond wrth gwrs, mae'r niferoedd sydd wedi ymgeisio'n fach iawn o'i gymharu â'r gyllideb go sylweddol sydd ar gael i bobl allu elwa arni.

But, of course, the numbers that have been applying are very, very small versus the quite significant budget that is available for people to be able to draw from.

C1

Oherwydd mae arbenigwyr tai yn dweud wrthyf ei bod yn broses mor sylweddol ac anodd i'w llywio fel ei bod yn atal pobl rhag gwneud cais ac yn atal pobl rhag cael yr help sydd ei angen arnynt.

Because I am told by housing experts that it's such a significant and difficult process to navigate that it puts people off applying and it's preventing people from getting the help that they need.

C1