Feature article

From converted garage rental to home owner: single mum working 54 hours a week buys first home

After years of hard work, a single mum has finally bought her first home using her KiwiSaver.

Janika ter Ellen
Last updated: 18 July 2026 | 2 min read
AI

AI summary

A single mum has purchased her first home in Kaitāia for $440,000, showcasing incredible determination by working 54 hours a week across three jobs. She funded the entire 10% deposit using her KiwiSaver.

After seeing her dream home reappear on the market, she sought advice from mortgage advisor Alex Colville and secured pre-approval. The purchase was aided by a softer winter housing market, demonstrating that homeownership is achievable through perseverance and leveraging available resources.

Hosanna and her daughter had been renting a converted double garage, so are happy to finally have more space. Photo: Supplied

The tidy 3 bedroom home has a heatpump and is close to sports grounds. Photo: Supplied

Author

Janika ter Ellen Janika ter Ellen
News reporter