Eminence - Investment Brochure

INVESTMENT ANALYSIS

TORRENSVILLE INVESTMENT ANALYSIS DEPRECIATION SCHEDULE Apartments

1,3,4,6

2,5

7,12,13,18

8-11

14-17

Configuration

2 Bedroom

2 Bedroom

2 Bedroom

2 Bedroom

2 Bedroom

Purchase Price

$344,950

$344,950

$324,950

$299,950

$319,950

Loan Value Ratio

80%

80%

80%

80%

80%

Amount Borrowed

$275,960

$275,960

$259,960

$239,960

$255,960

Interest Only/Rate

2.69%

2.69%

2.69%

2.69%

2.69%

Rent Appraisal

$420

$425

$400

$375

$395

Yield

6.3%

6.4%

6.4%

6.5%

6.4%

5 Year

Housing Price Index (ANS) Annual Growth

1.7%

1.7%

1.7%

1.7%

1.7%

10 Year

Housing Price Index (ANS) Annual Growth

0.6%

0.6%

0.6%

0.6%

0.6%

5 Year

CPI (ANS) Income & Experience Inflator

1.46%

1.46%

1.46%

1.46%

1.46%

Tax Rate

Income > $45,000 <$120,000

34.5%

34.5%

34.5%

34.5%

34.5%

8.8%

8.8%

8.8%

8.8%

8.8%

$21,840

$22,100

$20,800

$19,500

$20,540

Management Fees

$1,922

$1,945

$1,830

$1,716

$1,808

Body Corp.

$2,155

$2,086

$1,922

$1,659

$1,799

Council Rates

$1,576

$1,576

$1,576

$1,576

$1,576

Water Rates

$744

$744

$744

$744

$744

Interest

$7,423

$7,423

$6,993

$6,455

$6,885

Landlord Insurance

$340

$340

$340

$340

$340

Repairs & Manintenance

$150

$150

$150

$150

$150

Expenses Total (cash deductions)

$14,310

$14,264

$13,555

$12,640

$13,302

Plant & Equipment Depreciation (Using diminishing Value method)

$0

$0

$0

$0

$0

Building Depreciation (Prime Cost)

$1,400

$1,400

$1,400

$1,400

$1,400

Expenses Total (non-cash deductions)

$1,400

$1,400

$1,400

$1,400

$1,400

Total Allowable Deductions

$15,710

$15,664

$14,955

$14,040

$14,702

Net Gain/Loss for Tax Purposes

$6,130

$6,436

$5,845

$5,460

$5,838

Property Management fees

FINANCIALS (ANNUAL) YEAR 1 Rental Income Less Expenses (Inc. building inspection)

TORRENSVILLE INVESTMENT ANALYSIS FINANCIALS (ANNUAL) CASHFLOW Apartments

1,3,4,6

2,5

7,12,13,18

8-11

14-17

Operating Cashflow

$7,530

$7,836

$7,245

$6,860

$7,238

$0

$0

$0

$0

$0

Pre Tax Cashflow

$7,530

$7,836

$7,245

$6,860

$7,238

Tax Payable/Refund

($2,115)

($2,220)

($2,016)

($1,884)

($2,014)

After Tax Cashflow

$5,415

$5,615

$5,228

$4,977

$5,224

Last 5 years

$5,794

$5,794

$5,458

$5,038

$5,374

Last 10 years

$2,181

$2,181

$2,054

$1,896

$2,023

Value of Property*

$350,744

$350,744

$330,408

$304,988

$325,324

Less Loan Balance

$275,960

$275,960

$259,960

$239,960

$255,960

Total Equity

$74,784

$74,784

$70,448

$65,028

$69,364

Principal Comp of Loan Repayment

ANNUAL GROWTH

GROWTH (at the end of 10 years)

*Based on 5 year rate

88 11

22 44 77 33

5

66

11

Adelaide Airport 2.3 Km

22

Gladys Elphick Park / Narnungga 2.5 Km

33

Adelaide CBD 3 Km

4 4

Royal Adelaide Hospital 3.5 Km

5

Convention Centre 4.2 Km

6

Victoria Square 4.5 Km

7 7

Golden Wattle Park/ Mirnu Wirra 5 Km

88

Henley Beach 6.3 Km

TORRENSVILLE Median Property Price and Rent Source: realestate.com.au

Buy $332,500

Rent $300 PW

(Price data last updated 29th September 2020)

(Price data last updated 7th October 2020)

TORRENSVILLE High Demand Market Source: realestate.com.au

1469

1157

Visits per property

Torrensville

Visits per property

Average of SA

TORRENSVILLE Lifestyle and People Source: realestate.com.au

21.5%

Established Couples and Families

18.0%

Independent Youth

14.0%

Maturing & Established Independence

13.0%

Maturing Couples & Families

11.0%

Older Couples & Families

9.1%

Older Independence

8.2% 3.2% 1.2% 0.8%

Elderly Singles Elderly Couples Young Families Elderly Families www.eminencetorrensville.com.au

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