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
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Single mum Hosanna Elers has purchased her first home in Kaitāia for $440,000, using her KiwiSaver to fund the entire 10% deposit. This achievement came after years of hard work, including working 54 hours a week across three jobs.

Driven by the desire to provide a secure future for her daughter, Hosanna's story is an inspiring example for aspiring first-home buyers. Her purchase coincides with a softer housing market, which may present more opportunities for others.

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