Emma Bell

PHOTO: SUPPLIED Emma Bell says she was surprised to be turned down for a home loan.

Whakatane teacher Emma Bell says she’s feeling the middle-class crunch.

Even though she works full-time as a teacher, she and her husband cannot yet afford to buy their own house.

Her husband, who previously worked in customer service, cut back to part-time hours to focus on looking after their two children two years ago.

 “Our main reason for moving out of Auckland was that it had gone crazy, it wasn’t really affordable. I couldn’t justify spending the amount you had to spend in Auckland for a house I didn’t think was worth that much,” Bell said.