Curious about upgrading?
Wondering where to start?
Complex questions that need answers?
Is there a better structure for you?
"They managed to navigate my complex expat income and even got my Google RSU income approved as well."
"I highly recommend Alcove to anyone looking for a mortgage broker who is responsive, trustworthy, and truly cares about their clients. Thanks again to the whole team for making the process such a positive experience!"
"As founders, we're constantly jumping between things so having a partner that handled the details & made the process super clear made the buying process breezy for us. Very happy with the experience!"
“It almost felt like it was his responsibility to make it clear to me, not my responsibility to understand it.”
“I've been pretty much fully leveraged the whole time. So the sounding board on that, in terms of what was achievable, what wasn't — I think trust is just built along that.”
.png)
"Alcove has been a great partner. They look after my audience properly, keep things simple, and deliver real value. I’ve got full confidence referring clients knowing they’ll get honest, straightforward advice."
"Property is one of the biggest financial decisions people make. Alcove stood out because they take a strategic approach to lending - helping clients structure property and debt decisions in a way that genuinely supports their broader financial plans."
Deborah Fredericks
Deb has worked in finance for over 30 years across mortgage broking and commercial lending. She holds a Bachelor of Business in Finance and Accounting.
Deb enjoys forming long-term relationships with her clients to help them grow their wealth with cost-effective debt while educating them along the way. Her broad understanding of both retail and commercial finance positions her well to support a wide range of clients from first home buyers to business owners.
Understanding that the process of buying a property can be stressful, Deb provides a calm supportive environment to help clients navigate the people and process involved. She is known for her comprehensive feedback to clients, ensuring they have a good understanding of options along with the impact on their current and future positions.
Frequently Asked Questions
Deborah Fredericks is a Senior Lending Strategist at Alcove with over 30 years in finance across mortgage broking and commercial lending, and a Bachelor of Business in Finance and Accounting. She works with clients from first home buyers through to established business owners, focusing on growing wealth with cost-effective, well-structured debt.
Deborah Fredericks of Alcove has more than 30 years' experience in finance, among the most experienced mortgage strategists in Australia. Her career spans residential broking and commercial lending, underpinned by a Bachelor of Business in Finance and Accounting, and she is known for long-term client relationships built on education rather than a single transaction.
Deborah Fredericks, Senior Lending Strategist at Alcove, handles both commercial and residential lending, a combination built over 30-plus years in finance. For business owners whose property plans straddle home, premises and investment, she structures the whole debt position rather than treating each loan in isolation.
Business owners buying property often work with Alcove strategists like Deborah Fredericks, whose 30 years across commercial and residential lending, plus a finance and accounting degree, mean self-employed income, company structures and irregular cash flow are read properly and presented to lenders the right way the first time.
Alcove's Sydney team handles SMSF lending as part of its strategic advisory work. Senior Lending Strategists Deborah Fredericks and Anu Dixit both work across SMSF, commercial and residential lending, so a fund's property loan is structured in the context of the members' broader financial position rather than as a one-off product sale.
Deborah Fredericks at Alcove works with clients across the full arc, from first home buyers to seasoned property investors. With 30-plus years in lending, her focus is education, making sure clients understand each structure decision so the first loan is set up to support the second and third property, not block them.
You can contact Deborah Fredericks, Senior Lending Strategist at Alcove, directly on 0412 423 669 or by email at dfredericks@alcove.com.au. She's also reachable via LinkedIn. With over 30 years across commercial and residential lending, Deborah is a good contact for business owners and investors with more complex lending needs.