Navigating Complexity. Delivering Clarity.
At Alcove Private, we work with high-net-worth individuals, business owners, executives, and family offices who require more than off-the-shelf lending.
They need strategy, structure and a strategic lending partner who sees the full picture.
At Alcove Private, lending is never just a transaction. It is strategic, independent, and deeply personal.
We act as your sounding board, your advocate, and your strategic lending partner. We guide complex decisions with clarity and care.
From initial structuring through to settlement and beyond, we stay close. We manage the detail, coordinate your broader advisory team, and remain in your corner when it matters most.
We bring the insight of a private banker, the objectivity of an independent, and the consistency of someone who genuinely wants the best for you.
This is more than a banking relationship. It is a partnership built on trust, loyalty, and round-the-clock support.
This is not a 9-to-5 service. Properties are found on weekends, auctions move fast, and when that dream opportunity appears, you need someone who picks up the phone.
We are not just here for the loan, we are on the journey with you.
After 17 years in banking, including a decade as a Private Banker at CBA and recognition as Private Bank Director of the Year, Matthew Mohl launched Alcove Private to create something more personal, independent, and impactful.
Making the move from banker to broker gave him the ability to act without bias, leverage his network more effectively, and build a business on his own terms. It’s about delivering strategic lending advice with no ceiling for his clients and for himself, with the freedom to focus purely on outcomes, not products.
Matt, Director Alcove Private
We understand the layered realities of significant wealth.
Complex Ownership Structures
Trusts, companies, SMSFs, and cross-border holdings often require thoughtful navigation.
Limited Lending Appetite Despite Strong Fundamentals
Even with strong equity positions, clients are often restricted by traditional bank policies. Alcove helps unlock lending potential when others can't.
Banking Fatigue and Misguided Loyalty
Many clients remain with underperforming banks out of habit or stress. Alcove offers a proactive, relationship-focused alternative built around service and results.
Time-Critical Transactions
When deadlines matter — whether it's acquisitions, refinances, or pre-30 June activity — Alcove delivers with speed, certainty, and control.
Business & Liquidity Considerations
Balancing business growth, liquidity planning, and personal borrowing is central to Alcove’s strategic advisory approach.
Our Private Team
Matthew Mohl
I’m the Head of Private Clients at Alcove Private, an independent firm focused on strategic lending for high-net-worth families, professionals and founders. After nearly two decades in banking, I now work closely with clients to deliver tailored lending strategies that align with their bigger picture.
From 2007 to 2024, I built my career at CBA across CommSec, Colonial First State, retail banking and ultimately Private Bank, where I advised some of the country’s most prominent clients. That experience shaped how I work today — combining deep technical knowledge with a strong relationship focus.
What I love most is the client experience. I enjoy being part of the journey, seeing a plan come together, and knowing that no transaction or situation is ever the same. Every client brings something unique, and that keeps me motivated and sharp.
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Ben Sum
I’m passionate about helping our clients make confident, informed decisions around property and finance. I'm a CPA with a background in financial planning, having previously run a paraplanning practice with my brother Jon, where we supported advisers in developing goal-driven strategies tailored to their clients’ needs.
At Alcove, I believe in going beyond just chasing the lowest rate – it's about empowering people with education and advice that’s aligned to their long-term goals.
Chris Bates
I help families make informed property and financial decisions that enable them to build the life they love around their home, not just focus on the numbers.
After nearly two decades in the mortgage and financial advice industry, I've witnessed firsthand the stress, confusion, and missed opportunities that can result from rushed decisions and ill-advised property moves.
That's why I co-founded Alcove back in 2014 — a mortgage strategy advice business built around delivering calmness, clarity, and confidence to families making property moves. We come from a Financial Advice background and approach things from a different angle to provide the Alcove strategy approach.
We work primarily with high-income families, often referred by financial advisers, and help them think through property, lending, and life strategies - not just securing good rates or pre-approvals.
We believe in long-term thinking and being a long-term partner to you.
We are now a team of over 30, and combined, we have settled well over $2 billion in home loans, helping thousands of Australian Families on their life journey.
I am a firm believer that knowledge is power, and I host two podcasts: Elephant In The Room Property Podcast and Australian Property Podcast.
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Nick Mundy
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Nick brings over 20 years of experience across different sectors within the financial services industry. He started his career at large institutional fund manager before co-founding one of Australia's leading independent financial advisory firms.
After building a successful advisory practice, Nick shifted his attention to helping other advisors deliver truly holistic advice though an integrated, outsourced debt solution.
Nick holds his Certified Financial Planner (CFP®) designation, Graduate Diploma in Applied Finance, and Advanced Diploma of Financial Planning. But more than the qualifications, it's his hands-on experience running an advisory business that shapes his approach. Nick understands the practical challenges advisors deal with every day. His goal is straightforward: give advisors the tools and support they need to deliver great outcomes for their clients.
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Craig Bigelow
Craig has spent the last two decades in various advisory roles across the financial services industry, from comprehensive financial planning to life insurance specialization. This diverse background has allowed him to develop exceptional client discovery skills and a strategic approach to financial guidance while thriving in high-volume environments that have defined most of his career. At Alcove Partners his remit is to lead our comprehensive discovery conversations with clients, continuously deepen relationships with our professional service partners, and pioneer technology solutions that enable personal relationships at scale - applying learnings from tech innovations to enhance the human connection that sits at the core of his career.
We design and deliver tailored lending strategies across all layers of wealth.
Private Bank Expertise, Strategic Intelligence
Founded by a former CBA Private Bank Director of the Year, Alcove combines institutional-grade banking expertise with deep technical capability across tax, structuring, and credit. Our team brings the insight of a private banker with the independence of a strategic adviser.
Confidence in Complexity
We specialise in bespoke lending strategies that navigate trusts, corporate entities, SMSFs, and intergenerational structures. Our solutions are designed to align with both immediate objectives and long-term succession or wealth preservation goals.
Unconflicted, Principle-Led Advice
Many clients remain with underperforming banks out of habit or stress. Alcove offers a proactive, relationship-focused alternative built around service and results.
High-Touch Execution with Precision
We manage the end-to-end process with discipline and urgency. Our clients benefit from clear communication, proactive oversight, and seamless interaction with their broader advisory network.
A Trusted Relationship for the Long Term
Alcove is more than a lending partner. We are a discreet, experienced adviser who understands the nuance of significant wealth and the importance of trust, loyalty, and strategic continuity across every stage of the journey.
We’ve got time to talk
Book a chat with one of the team, and we’ll take it from there.
Selected Awards
2024 The Adviser
#1 Elite Broker Ranking
2024 MPA
#3 Top 100 Broker Ranking
2024 MFAA Excellence
Finance Broker Business Award