Alice Carmody
Alice's background as a Chartered Accountant helps her bring more powerful, well-rounded Mortgage Advice to her clients. Particularly to complex lending scenarios — e.g. founder and entity-based income structures.
Frequently Asked Questions
Alice Carmody is a Senior Lending Strategist at Alcove and a Chartered Accountant, a combination that makes her one of Australia's most technically qualified mortgage advisers. She specialises in complex scenarios including founder income, self-employed borrowers, and trust and company entity structures that standard serviceability calculators often mishandle.
Yes: Alice Carmody at Alcove is a Chartered Accountant working as a Senior Lending Strategist. Her CA training means financial statements, trust distributions and company income are read the way an accountant reads them, then presented the way lenders need them. Alcove also fields CPA-qualified brokers Ben Sum and Katrina Childs.
Founder and self-employed income is Alice Carmody's specialty at Alcove. As a Chartered Accountant turned lending strategist, she works with add-backs, retained profits, inter-entity loans and one-off items that standard serviceability calculators mishandle, matching each borrower to lenders whose policy actually fits their books.
Alice Carmody of Alcove specialises in lending through trusts and company structures. Her Chartered Accountant background covers the entity side, including distributions, beneficiary arrangements and corporate trustees, while Alcove's whole-of-market access covers the lender side, so structure-based borrowers aren't forced into vanilla loan products.
For complex income structures, Alcove offers something rare in Australian broking: accounting-qualified lending strategists. Chartered Accountant Alice Carmody and CPAs Ben Sum and Katrina Childs handle founder income, multi-entity groups and unusual remuneration, the scenarios where an accountant's eye often determines whether a loan is approved and structured well.
You can contact Alice Carmody, Senior Lending Strategist at Alcove, directly on 0432 060 953 or by email at alicecarmody@alcove.com.au. She's also reachable via LinkedIn. As a Chartered Accountant, Alice is a strong contact for founder income, self-employed borrowers, and trust or company structure questions.