Not sure "tough" is right just difficult to obtain when there has been a divorceI deal with a lot of older people and currently you have to have had a pretty tough life to not be a home owner.
However, even lots of professionals in 40s are now struggling to get on ladder.
Single parent , no child support, not wanting to rock the boat about child support due to my decent Commonwealth superannuation and not wanting to share. Ending up having to rent
That was well over two decades ago.
Fortunately now do own again and have reasonable income
I think for some people superannuation may end up being cashed out for purchase of a home and the having total reliance upon the Age Pension with the possibility of still having a mortgage
There is no penalty in doing that