Kate Waterhouse packs on the PDA with husband Luke Ricketson and shows off trim ...

Fans might be used to seeing Kate Waterhouse wearing some very expensive outfits at the races, being racing royalty. 

But on Monday, the stylish fashionista was spotted stripping off into a swimsuit as she took a dip and had some fun in the sun at Sydney's Balmoral Beach. 

The 37-year-old was joined by husband Luke Ricketson, 47, and their daughters on the outing and packed on the PDA with her man.   

Fun in the sun: On Monday, Kate Waterhouse packed on the PDA with NRL star husband Luke Ricketson and showed off her trim figure in a swimsuit at Balmoral Beach

Fun in the sun: On Monday, Kate Waterhouse packed on the PDA with NRL star husband Luke Ricketson and showed off her trim figure in a swimsuit at Balmoral Beach

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Kate, who is the daughter of horse trainer Gai Waterhouse, showed off her trim figure in a flattering black one piece, that featured a backless design and a plunging neckline. 

Kate worked up a sweat exercising by the beach before taking a dip, wearing goggles in the water. 

Luke, who played for the Sydney Roosters, looked fit in a colourful pair of board shorts. 

Trim and toned! Kate showed off her trim figure in a flattering black one piece, that featured a backless design and a plunging neckline

Trim and toned! Kate showed off her trim figure in a flattering black one piece, that featured a backless design and a plunging neckline

Sweet: He looked after their daughters while Kate exercised at the other end of the beach, before they met up on the sand and shared a kiss

Sweet: He looked after their daughters while Kate exercised at the other end of the beach, before they met up on the sand and shared a kiss

Sweet: He looked after their daughters while Kate exercised at the other end of the beach, before they met up on the sand and shared a kiss

Dad mode! He looked after their daughters who happily played in the sand

Dad mode! He looked after their daughters who happily played in the sand

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Working up a sweat: Kate was seen exercising by the beach before taking a dip

Working up a sweat: Kate was seen exercising by the beach before taking a dip

Working up a sweat: Kate was seen exercising by the beach before taking a dip

He looked after

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