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462 GUINEA STREET ALBURY NSW 2640

HOUSE FOR SALE

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Estimated Valuation

462 GUINEA STREET ALBURY NSW 2640 Property Photo
Bedrooms

4

Bathrooms

2

Car Space

3

Land Size

920 m²

Year Built

1873

Property Type

House

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Added 12 hours ago
Listing Price

Expressions Of Interest Closing 27th Oct at 12noon

Listed By
Stean Nicholls - Albury
Bowden Chambers presents a unique fusion of heritage-listed history and award-winning contemporary design, perfect for those seeking character and luxury. This property offers the distinct advantage of combined residential living with commercial space, making it an exceptional asset for professionals or investors in a prime Albury location.

Description

This remarkable property, Bowden Chambers, is a rare opportunity to own a state and locally heritage-listed residence built circa 1873 in Albury. The home combines the charm of a period dwelling with a stunning contemporary extension. The exterior features established formal gardens, mature capital pear trees, and a mix of original brickwork and modern textures. The residence reveals a warm ambience rich in original character, including soaring ceilings, polished floorboards, cast iron ceiling roses, high skirting boards, and decorative plasterwork.

The interior highlights include a stunning formal entry hall with an original Vaseline pendant light and intricate plasterwork. There are four bedrooms; the two front bedrooms feature gas log fires with original timber mantelpieces. The luxurious master suite includes a dressing room, extensive robes, and an opulent ensuite with a frameless glass walk-in shower and his-and-her vanities. A main bathroom features a corner spa bath. Additional rooms include a peaceful sitting room, separate study, and a large laundry retaining the original kitchen wood stove.

The award-winning contemporary extension opens to a paved alfresco terrace and landscaped courtyard with a feature koi pond. The gourmet kitchen boasts granite benchtops, integrated appliances including premium Miele products, and an induction cooktop. The living area centers around a gas pebble fireplace, while a captivating central conservatory showcases original brickwork and a scalloped glass chandelier. The property includes hydronic and underfloor heating, split-system air-conditioning, and has been rewired and replumbed.

Access is available from both Guinea and David Streets, with parking including a single garage, two single carports, and storage within the original horse stables. Adjacent to the home are commercial premises comprising four treatment rooms, reception, private office, kitchen, bathrooms including accessible facilities, and storage, offering exceptional opportunity for business operation.

Property Style & Condition

Overall
contemporary
excellent
Condition
Exterior
traditional
good
Condition
Livingroom
contemporary
excellent
Condition
Bedrooms
modern
excellent
Condition
Kitchen
contemporary
excellent
Condition
Bathroom
contemporary
excellent
Condition
Yard
landscaped
excellent
Condition

Key Features

State and locally heritage-listed property
Built circa 1873
Adjoining commercial premises
Four bedrooms including master suite with dressing room
Two bathrooms (ensuite with frameless shower, main with spa bath)
Original character features: polished floorboards, fireplaces, ceiling roses, picture rails
Contemporary extension with open-plan living
Gourmet kitchen with granite benchtops and Miele appliances
Central conservatory with original brickwork
Landscaped courtyard with koi pond and alfresco terrace
Heating: Hydronic, underfloor, gas log fires, split-system air-conditioning
Parking: Single garage, two carports, workshop space
Commercial space: Treatment rooms, office, kitchen

Specifications

Property Details
Property Type House
Stories 1
Parking Type attached garage, carport
Construction brick
Windows double pane
Gas natural gas
Internet nbn
Location & Setting
Setting urban
Lot Position corner lot
Views city skyline
Nearby Amenities
Near downtown
Near train station
Rental Information
long term rental only

Exterior

patio
alfresco
mature landscaping
garden
workshop
shed
driveway
carport

Indoor

open floor plan
vaulted ceilings
fireplace
hardwood floors
walk in closet
granite countertops
stainless steel appliances
laundry room
home office
primary suite
ensuite bathroom
soaking tub
dual vanity
rain shower
crown molding
heated floors
ceiling fan
recessed lighting
refrigerator
oven
dishwasher
induction cooktop
central
radiant
split system
single story
Listed on 02 Oct 2026

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    Property     ALBURY     LGA

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State Average (Violent) 1 in 84

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  Investment Viability Engine · 2026 Tax Rules

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1 The Property

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2 Your Situation

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3 Costs & Assumptions

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Interest on the borrowed deposit is also tax-deductible and is added to your gearing position. Your true out-of-pocket cash is reduced by whatever portion you borrow.
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A negatively geared property usually works best held by the higher earner; a positively geared one benefits from being split to the lower earner. This is general information only.
Land tax (NSW)Annual holding cost on combined land value over the threshold.
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NSW 2026: nil up to $1,075,000 combined land value, then $100 + 1.6% of the excess, rising to $88,036 + 2% premium rate above $6,571,000. Computed land tax replaces the figure in section 3.
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Calculating…Verdict ?
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rent cash flow + capital gain − all costs & tax
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Comparing Common Investments ?
What this shows
Property value (grey bars, left axis) is the projected market value each year using your capital-growth assumption. The capital profit if sold line (coral, left axis) is the money you'd actually walk away with that year after repaying the loan, paying selling costs, paying CGT, and getting back the cash you put in. The rent collected line (teal, right axis) is gross annual rent received, grown at your rent-growth assumption.
What this shows
Three views of how the position evolves year by year. Property value (dashed) shows the asset growing at your capital-growth rate. Equity (coral) is value minus loan balance — how much of the property you actually own. Cumulative cash flow (teal) is the running total of all after-tax rent (positive) or top-ups (negative) you've put in since day one.
What this shows
The yearly cash position after every cost and tax effect. Green bars = positive years (the property paid you). Red bars = years you had to top it up from your pocket. This is the most honest picture of what holding the property feels like on a year-to-year basis.
What this shows
Where every dollar of the projected sale price goes. Net to you is what lands in your bank account; the rest is consumed by loan payout, selling costs and capital gains tax. The CGT slice depends on which regime applies (50% discount, indexation + 30% min tax, or a split of the two).

What this shows
How fragile your outcome is to the capital-growth assumption — the single biggest swing factor in any property forecast. Each point on the line re-runs the entire model at a different growth rate. Where the line crosses the dashed zero, that's roughly the growth rate needed just to break even over your hold period.

What this shows
The same upfront cash invested four different ways, held the same number of years. The property includes all rent, costs, tax and the final sale (after CGT and loan payout). The ASX 200 ETF compounds at its assumed total return; the gold line compounds at gold's long-run average; the inflation line is what you need to just preserve your purchasing power. Any year the property bleeds cash, that shortfall is invested in the comparison asset too (so they get the same total dollars over the life of the deal). Gains on the comparison assets are taxed under the same 2026-Budget CGT regime that applies to shares and ETFs — the transitional split (50% discount on the pre-1 Jul 2027 portion, then cost-base indexation + 30% minimum tax on the post-1 Jul 2027 portion), since non-property assets are never grandfathered.
What this shows
The full year-by-year ledger. Cash flow is pre-tax (rent minus all cash costs); tax effect is the value of any deduction or the tax bill on net profit; after-tax is the actual dollars in or out of your account that year. Cumulative is the running total.

About this model

Reflects the 2026 Federal Budget proposals (announced 12 May 2026): from 1 July 2027, negative gearing on established residential property bought after 7:30pm 12 May 2026 can only offset rental income / residential property gains (excess losses carry forward), and the 50% CGT discount is replaced by cost-base indexation plus a 30% minimum tax on the real gain accruing after 1 July 2027. The CGT change applies to all CGT assets (shares, ETFs, gold, crypto), not just property, so the comparison assets are taxed on the same basis. New builds retain full negative gearing and the choice of the 50% discount. Properties contracted on/before 12 May 2026 are grandfathered. The main residence, superannuation funds and widely-held trusts are exempt. These are proposed rules that may change in legislation. Resident tax rates 2025–26 are used (incl. 2% Medicare levy). This is general information, not financial, tax or legal advice — consult a licensed adviser before acting.
Purchase Cost Calculator

The True Cost of Buying this Property

Beyond the sale price, Australian property buyers face stamp duty, legal fees, inspections, loan charges and more. Adjust the purchase price and your state to see the full picture.

Purchase Price
$850,000
AUD
$100K $5M
Property State
Your Situation
Total Additional Costs
On top of the $850,000 purchase price in NSW
Extra Costs
$52,000
All-In Cost
$902,000
% of Price
6.1%
How these figures are calculated

Stamp Duty (Transfer Duty): Calculated using each state's 2024–25 residential transfer duty brackets for owner-occupiers. First home buyer concessions and investor surcharges are applied where selected.

Lenders Mortgage Insurance (LMI): Estimated at approximately 1.5–2.5% of the loan amount, assuming an 85% LVR. Actual LMI depends on your lender, LVR and loan size.

Conveyancing / Legal Fees: Typical range of $1,500–$3,000 covering contract review, searches and settlement. We use a mid-range estimate.

Building & Pest Inspection: Typically $400–$800 combined for a standard residential property.

Loan Application & Mortgage Registration: Includes bank application fees ($300–$600), mortgage registration (state-based, usually $150–$230) and transfer registration fees.

Council & Water Rate Adjustments: Estimated at around 0.1% of the purchase price — the buyer typically reimburses the seller for pre-paid rates.

These estimates are indicative only. Always confirm exact figures with your conveyancer, broker and the relevant state revenue office before committing to a purchase.

Mortgage Calculator

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Disclaimer: This calculator provides estimates only based on standard published rates for 2025-26. Actual stamp duty may vary based on individual circumstances, concession eligibility, and contract dates. LMI is a rough estimate only — actual premiums vary by lender, LVR, and loan size. Always verify with your state’s revenue office and seek professional advice before purchasing.

Mortgage Affordability & Borrowing Capacity Calculator

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Disclaimer: This calculator provides an estimate only and does not constitute a quote or loan approval. Calculations are based on standard APRA guidelines (including a 3.0% interest rate assessment buffer) and 2025–26 Australian resident tax rates. Lenders may apply their own specific Household Expenditure Measure (HEM) rules, risk margins, and varying credit card assessment rates (typically 3.8% of the limit). Rental income is shaded to 80%. Always speak to a licensed mortgage broker or lender for an exact assessment.

Refinance Savings Calculator

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