A view more New Zealanders are adapting to get on the property ladder to overcome economic woes. 

Kiwibank's Annual State of Home Ownership Index finds 57% of non-owners feel locked out of the market, improving by 6%. 

It notes 60% still find the cost of living the biggest obstacle to owning a house. 

Chief Executive Steve Jurkovich told Mike Hosking more people are open to exploring different pathways to ownership. 

For example, he says, people are exploring co-owning, getting together with their parents and grandparents to try buy a house.  

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