As the government continues to release more policies aimed at propping up the national housing market, first home buyers in Wagga are seeing an opportunity.
Fitzpatricks Real Estate sales consultant Angela Robbins spends much of her time helping others find their property, but this year she decided to take the plunge after her "dream home" came onto the market in North Wagga.
"I grew up there and the properties, they're just so homely, bigger blocks, it just has a real country feel to it," she said.
Ms Robbins said while she had been working on a deposit she was hesitant to take the next step.
"Having not had a home, you just think it's never going to happen to you and so it's amazing how ready you can become when you need to become ready," she said.
"I think a lot of buyers, they don't realise how close they are to being able to purchase, it's just a matter of getting the right information and they could be a lot closer than they think."
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Ms Robbins said she believed grants and stamp duty relief available to first home buyers and lower interest rates made the Wagga market "very attractive", with the city escaping much of the instability the coronavirus pandemic has caused in higher population areas.
"We are seeing a lot of increased buyer activity at the moment so I dare say that it probably inspired people to get out there and start having a look," she said.
However, she said she had noticed a few additional hurdles in securing finance, with banks extra cautious in verifying the income of potential buyers before approving loans.
Ms Robbins said working in sales had made the process much easier for her, and she said the main piece of advice she could give to aspiring first home buyers was to be prepared.
"I suggest to all my buyers, get in touch with a finance person or a lender just to make sure you do have your ducks in a row so if you see something and you love it, you can jump on it," she said.
"Otherwise you're just competing with a heap of other people and some people might be more organised than you and you miss out."