Expect more from your home journey.

From first homes to family upgrades, downsizing or refinancing, we align every recommendation to your bigger picture, your family, your goals, your next chapter.

Whether you’re buying your first home, upgrading for more space, or refinancing to make life a little easier, we’ll help you understand the numbers, structure and strategy behind every decision, so it makes sense today and sets you up for the years ahead.

We also partner with trusted property professionals across Australia to help you find the right home, not just the right loan.

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

Is now the right time to buy, or keep renting a little longer?

Is it smarter to renovate or refinance?

How can my home support the next chapter for my family?

How can I choose a property that holds its value?

What’s the best loan structure - fixed, variable or mixed?

How do I make sure my next move sets me up long-term?

Can I refinance to reduce repayments or free up cash flow?

How much can I really afford to borrow comfortably?

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 owning a home than finding the lowest rate. Buying, upgrading or refinancing is personal - it’s emotional, complex, and can shape your future for decades. We help make sure every decision makes sense - for where you are now, and where you’re headed next.

Renting vs buying

Is now the right time to step into the market, or stay flexible a little longer?

Renovate vs move

Should you improve the home you love, or find one that fits your next stage of life?

Upgrade vs refinance

Would a new home or a better loan structure deliver more freedom and comfort?

Fixed vs variable

Is it smarter to lock in your rate or stay open to change?

Dream home vs smart home

How do you balance lifestyle goals with long-term financial sense?

Buying a home - whether it’s your first or your next, is one of life’s biggest decisions.The right loan structure isn’t just about rates and repayments; it’s about clarity, flexibility and confidence in your future.Here’s what we focus on:

Structure with purpose

We help you set up your home loan around your goals, lifestyle and future plans, not just what the bank says you can borrow.

Guidance for first home buyers

From deposits to pre-approvals, grants and repayments, we’ll make the process clear and calm - so you can move forward with confidence, not confusion.

Smart refinancing

Review your loan regularly to make sure it’s still serving you, whether that means lowering repayments, freeing up cash flow or opening new possibilities.

Use equity effectively

Access the value in your home wisely to renovate, upgrade or invest, without stretching yourself too far.

Plan for life changes

We help you think ahead, from growing families to new goals, so your loan keeps working for you through every stage.

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

Expect more from your home journey.

Not quite ready to chat?

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

Decisions you are considering

Is now the right time to buy, or keep renting a little longer?

Is it smarter to renovate or refinance?

How can my home support the next chapter for my family?

How can I choose a property that holds its value?

What’s the best loan structure - fixed, variable or mixed?

How do I make sure my next move sets me up long-term?

Can I refinance to reduce repayments or free up cash flow?

How much can I really afford to borrow comfortably?

Every number is a client story.

2.5bn

Tier 1

99%+

30

There’s more to owning a home than finding the lowest rate. Buying, upgrading or refinancing is personal - it’s emotional, complex, and can shape your future for decades. We help make sure every decision makes sense - for where you are now, and where you’re headed next.

Renting vs buying

Renovate vs move

Upgrade vs refinance

Fixed vs variable

Dream home vs smart home

Buying a home - whether it’s your first or your next, is one of life’s biggest decisions.The right loan structure isn’t just about rates and repayments; it’s about clarity, flexibility and confidence in your future.Here’s what we focus on:

Structure with purpose

Guidance for first home buyers

Smart refinancing

Use equity effectively

Plan for life changes

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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Every number is a client story.