NZ's housing market has become an exclusive game only for the 'ideal' families who over many generations, managed their finances well. The by-standers are what many generations ago use to be - where a decent working job was all you required to support the family and pay for the mortgage (you know, single income 50s 60s era where the mother was expected to stay home).
Nothing good what we have now as our housing market continues to drive down social mobility (the disadvantaged will never get to own a house without a bank of mom & dad) ; this day of age or rising divorces, inflation, etc.
Take note in the https://static3.stuff.co.nz/growth-i...s-d96bea42.jpg which shows how bad we have it. Good to see in Canada is much lower.