Lot 803 Maxi Drive Winter Valley, VIC

“Winter Valley 5-Bedroom Next Gen Co-Living with $91k Income, 10.12% Yield and 5-Year Rental Guarantee”

Property analysis by:

Investment Highlights

• Priced at $899,000 with an appraised $91,000 p.a. gross rent – a strong 10.12% gross yield.
• 5-year rental guarantee ensures income certainty and investor confidence.
• Co-living compliant Next Gen home: 5-bedroom, 5-bathroom design tailored for high occupancy and strong rental performance.
• Cashflow-positive from settlement with surplus income even under conservative finance assumptions.
• Located in Winter Valley (Ballarat) – one of Victoria’s fastest-growing regional hubs with booming population and infrastructure investment.
• Ultra-low vacancy rate: Ballarat currently sits at just 0.9%, underpinning consistent tenant demand.

Key Financials

Purchase price: $899,000 (Land $260k + Build $639k)
Configuration: 5 bed | 5 bath | 6 living zones | 2 car
Land size: 512 m²
Rental appraisal: 350 pw per unit | ~$1,750 pw total
Annual gross income: $91,000
Gross yield: 10.12% (as appraised)
Rental guarantee: 5 years
Vacancy rate: ≈0.9% (Ballarat)

Location & Growth Drivers

Winter Valley is a masterplanned residential community located in Ballarat’s western growth corridor. Just 7 km from Ballarat CBD, it offers proximity to key employment, retail, and education hubs, while benefiting from rapid housing and infrastructure development.

Ballarat, with a population exceeding 117,000, is Victoria’s third-largest city and is forecast to continue strong growth. Major projects include the $837M Ballarat Base Hospital redevelopment, transport infrastructure upgrades, and ongoing investment in education and tourism. The city’s economy is diverse, underpinned by health, education, manufacturing, and government services.

With vacancy rates under 1%, Ballarat is experiencing severe rental undersupply. Demand from both local residents and regional migrants is fueling upward pressure on rents, making co-living investments highly resilient.

Build Specification (Next Gen Co-Living)

• Five self-contained bedrooms with private ensuites
• Six separate living zones designed for privacy and comfort
• Split-system A/C to all rooms and communal spaces
• 3.1 kW solar system included for energy efficiency
• Fully landscaped, fenced, and ready to lease turnkey
• Furniture package and styling included for immediate rental
• Digital coded locks for secure and independent tenant access
• Private outdoor spaces for each resident

Why This Deal Stacks Up

1. Exceptional cashflow: $91,000 annual rental income secured by a 5-year guarantee.
2. Double-digit yield: 10.12% gross yield significantly outperforms standard residential property benchmarks.
3. Low vacancy risk: multiple rental streams in a market with just 0.9% vacancy.
4. High-quality build: premium inclusions such as solar, split systems, and furniture ensure strong tenant appeal.
5. Regional growth hub: Ballarat’s infrastructure pipeline and population growth position Winter Valley for both income and long-term capital appreciation.

Risks & Mitigations

• Regional concentration: mitigated by Ballarat’s diverse economy and rapid population growth.
• Room turnover: offset by five independent income streams and high rental demand.
• Finance restrictions: lenders may limit LVR to 65% for co-living; plan equity contributions accordingly.
• Management complexity: simplified by engaging experienced co-living property managers.