Nga Tere has given up waiting for a Housing New Zealand home for his family, since emigrating from the Cook Islands 10 years ago.
Married to Miri with three bubbly children, they live in a warm and dry three-bedroom Flaxmere house, which at $270 per week rent costs about half his take-home wage.
"I thought rents in Flaxmere would be cheaper, but they aren't," he said.
His wife Miri is a full-time mum for their children aged 2, 6 and 12.
He said a Working For Families tax credit of $280 per week helped, but a $200 per week car loan repayment did not.