The Upper Hunter player won the prize in Lucky Lotteries Mega Jackpot draw on Thursday and comes just days after a Tamworth couple also won lotto.

Sharing his joy with a NSW Lotteries official this morning, the winner revealed the win had come at a good time.

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"It's just unbelievable timing," he declared.

"The last six months have been a bit tough and we've been struggling a bit.

"We've been on level six water restrictions for months and the whole town has been doing it tough.

"My wife kept telling me not to get tickets but I always bought them because I wanted to dream about winning.

"I think it was fate that I bought this ticket because of the crazy timing of things."

When asked how he planned to enjoy his $200,000 Lucky Lotteries windfall, the winner confessed it would give them a bit of breathing room.

"It will go straight towards paying off the mortgage," he exclaimed.

"It will give us a chance to have a bit of a breather too."

The thrilled winner, who wishes to remain anonymous, purchased his winning entry of two random numbers online at thelott.com.