Adam Mastrosa

Strategic mortgage advice for FMCG industry professionals — from national food brand leads, hotel operators to distributor-side sales execs.

Designed to help you buy property, protect cash flow and build long-term wealth.

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Hey, I’m Adam

The Mortgage Broker helping people in Food, Beverage and Hospitality buy homes and scale their property portfolio.

If you’re in food — FMCG, foodservice, hospitality or supply — your income often doesn’t neatly match the bank’s rules.

Bonuses, STIs, allowances, fluctuating incentives, distributor deals… they make lending messy.

We make it clear.

We work with people in food who are ready to buy, refinance, or finally create a structure that matches how they actually earn.

Who we help:

  • Sales & Marketing leads at major food brands
  • Brand, restaurant & distributor SME owners
  • FMCG senior executives
  • Hospitality & hotel operators

 

When we help:

  • Before a home or investment purchase
  • Ahead of a bonus cycle or STI payment
  • When income complexity is blocking progress
  • When an SME owner is planning a new fit-out or expansion

We’re already working with legends from:

We had the pleasure of working with Adam from Alcove, and the experience was nothing short of exceptional. As first-time buyers of an investment property in another state, we were naturally a bit nervous, but Adam and the team quickly put us at ease. He was clear, upfront, and incredibly easy to trust.

David
March
Sales Executive, Unilever

Cheers Adam for helping me get through the complexity of buying a first home. Great to have someone who’s well-connected and well-versed in the processes to help manage the ambiguity. Felt no stress at any point. And great dealing with Adam personally - very approachable yet professional.

Marcin
Poloczek
Marketing Exec, Nestlé

What I particularly appreciated about working with Adam was his knowledge of the FMCG industry, which made our interactions seamless, as we could communicate in the same language, considering his understanding of the FMCG industry.

Bruno
Nobrega
National Sales Lead, KB Food

Adam and the team are absolutely 10/10 to deal with and get their clients the best deals. Can’t recommend them highly enough.

Ben
Rossleigh
Senior Media Officer, Clubs NSW
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My Experience

I’ve spent almost two decades in the food world — from front & back of house, to national FMCG roles working with the biggest brands in the country.

I’m now a mortgage broker with an MBA and a background in accounting — using that mix to help people in food buy property and build wealth the smart way.

I bloody love working with people who’ve built their careers feeding the nation — and helping them leverage that success into long-term property outcomes.

Link to Contact Page

Strategy, CX, Digital Experience, Brand, R&D Innovation Grants


FMCG | Commercial & Growth

National Foodservice sales, leadership, P&C, commercial growth

Manufacturing | National Accounts

Foodservice team expansion, new growth category development for brand

Seafood | Commercial Expansion

Personal 4-property portfolio — buy, refi, restructure and scale

Residential | Long-term Wealth

Strategy, leadership, finance

Postgraduate | Business & Commercial

Link to Contact Page

Book a call with Adam

Decisions you are considering

How do stock options affect my loan?

Can I borrow as a startup founder?

Can I count vested RSUs as income?

How do I value my equity grants?

Should we sell first or buy first?

Should I wait for my secondary sale?

Andrew, Global Product Lead Gemini - Google

“I live and work in NYC so rely on working with great people and their advice. The team nail the brief every time and make it super easy.”

Our clients work at

We such a great experience working with Alcove on our mortgage. The whole process was incredibly smooth from start to finish. Ben Sum really took the time to understand our situation and made everything feel so personalized and stress-free. Super grateful for Ben and his team’s support and would absolutely recommend them to anyone looking for a seamless and genuinely caring service.

Gladys
Chang
October 8, 2025
Google

Andrew and Rupa have been a pleasure to work with throughout the loan process. We thank them for all their effort in getting out documents and loans settled. Communication was great and we are very happy to recommend their services.

Jessica
Swann
October 18, 2025
Google

Alcove are amazing to work with, the whole experience was seamless.

Kathryn
Farmer
October 20, 2025
Google

My partner and I shopped around quite a bit for a mortgage broker (from the big names to smaller mum-and-dad firms), but no one came close to the level of expertise and professionalism that Ben and the team showed. Even though we brought them in fairly late in our home-buying journey, their advice gave us confidence in the deal we were making and the risks we were taking. With their support, we ended up finding the place that was right for us. We’ll definitely be working with them again!

Katrin
De Guzman
October 21, 2025
Google
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