Invest in your future and reach your financial goals.

Get clear guidance and smart mortgage solutions to build wealth and maximise returns.

Why a conversation with alcove will ensure you invest with confidence.

Maximise your borrowing power

Get smart financing options tailored to your investment strategy, while optimising tax benefits and cash flow.

Upgrading vs Unlock value in your existing property

Fund new investments, minimise out-of-pocket expenses, and secure competitive, flexible rates to boost returns.

Leverage your SMSF for investing

Explore how your SMSF can fund property investments and deliver strategies to grow your retirement wealth.

Not quite ready to chat?

Take your time and start with the essentials. Our Buyer’s Guide walks you through what to expect, what to plan for and how to move forward with confidence.

Calculate your borrowing power - all it takes is 60 seconds!

Complete your assessment to receive an accurate estimate of borrowing power, including real-time rates and policies from multiple lenders at a click of a button.

We know there are many options to consider. We will bring calmness to a stressful decision that needs clarity.

Decisions you are considering

How to save for this deposit?

Is the market running away from me?

Do I buy an investment property or a home?

Do I buy an apartment for now or a house for longer term?

Do you buy now or wait  for a bigger deposit?

Every number is a client story.

2.5bn

of settled loans

Tier 1

status at every bank

99%+

approval rate

30

team members

There’s more to investing than theloan approval. Property investingis emotional, time-consuming, andfull of traps if you’re not careful.

Upgrading vs investing

Is it better to upgrade to a better home or renovate and invest?

Buy first vs sell

Is it better to buy another property now, or reconsider your whole portfolio?

Property vs shares

Is it better to buy one property or split across multiple, or should you consider other assets?

One property vs multiple

Is it better to buy one or split across multiple properties in different locations?

As an investor, lending strategy isjust as important as the propertyitself. Get the structure wrong andyou can box yourself in; get it rightand it sets you up for future growth.Here’s what we focus on:

Invest with a clear plan

Set up a long-term investment strategy that matches your goals, not someone else’s idea of a shortcut to wealth.

Portfolio Planning

Structure your loans and purchases with flexibility and a clear plan, so you’re able to open up the next property move earlier.

Avoid the wrong assets

Not every property is investment-grade. We’ll help you focus on assets that grow long-term, not just look good on paper or based on short-term speculation.

Unlock equity wisely

Maximising equity in your existing home or investments to fund new purchases wisely, without putting yourself at risk across multiple banks.

Entity Lending (Trusts,  Companies, SMSFs)

Structuring can unlock tax advantages, borrowing opportunities and asset protection, but only if it’s right for your situation.

Interest-Only vs. P&I

Maximise cash flow, accelerate debt reduction on your home and structure your loans to protect your assets with long interest only terms.

Prepared for the unexpected

Loan structures are consistently reviewed to release cash buffers for renovations, vacancies, employment and interest rate changes.

Our partnership team

Adam Mastrosa

Senior Credit Advisor

0400 301 245 adammastrosa@alcove.com.au LinkedIn

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Alex Pagonis

Mortgage Broker - Tech Sector

0421 883 475 alexpagonis@alcove.com.au LinkedIn

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Alicia Van Der Pluym

Head of Client Relations

0482 080 353 aliciavanderpluym@alcove.com.au LinkedIn

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Ben Sum

COO & Head of Advice

0466 669 988 bensum@alcove.com.au LinkedIn

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Chris Bates

CEO

0412 226 009 chrisbates@alcove.com.au LinkedIn

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Katrina Childs

Senior Strategist

0423 758 754 katrinachilds@alcove.com.au LinkedIn

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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

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

2025 AFG Champion Broker

Finalist: AFG National Broker Awards

2025 NSW/ACT Champion

AFG Broker Awards NSW

Invest in your future and reach your financial goals.

Why a conversation with alcove will ensure you invest with confidence.

Maximise your borrowing power

Upgrading vs Unlock value in your existing property

Leverage your SMSF for investing

Not quite ready to chat?

Calculate your borrowing power - all it takes is 60 seconds!

Decisions you are considering

How to save for this deposit?

Is the market running away from me?

Is the market running away from me?

Do I buy an investment property or a home?

Do I buy an apartment for now or a house for longer term?

Do you buy now or wait for a bigger deposit?

Every number is a client story.

2.5bn

Tier 1

99%+

30

There’s more to investing than theloan approval. Property investingis emotional, time-consuming, andfull of traps if you’re not careful.

Upgrading vs investing

Buy first vs sell

Property vs shares

One property vs multiple

As an investor, lending strategy isjust as important as the propertyitself. Get the structure wrong andyou can box yourself in; get it rightand it sets you up for future growth.Here’s what we focus on:

Invest with a clear plan

Portfolio Planning

Avoid the wrong assets

Unlock equity wisely

Entity Lending (Trusts, Companies, SMSFs)

Interest-Only vs. P&I

Prepared for the unexpected

Our partnership team

Adam Mastrosa

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Alex Pagonis

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Alicia Van Der Pluym

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Ben Sum

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Do you buy now or wait  for a bigger deposit?

Every number is a client story.

Entity Lending (Trusts,  Companies, SMSFs)