Invest in your future and reach your financial goals.

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

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Borrowing calculator

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

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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.

Explore buyer's guide

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.

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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?

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.

3.3bn

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.

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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?

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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.

Meet the team

Adam Mastrosa

Senior Credit Advisor
0400 301 245
adammastrosa@alcove.com.au
LinkedIn

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Alex Pagonis

Founder, Alcove Tech
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

Read More

Excellent service! The team was with me through every step along the way. Highly recommend

Nicholas
Foster
March 11, 2026
Google

Great experience from start to finish with the team at Alcove.

Vince
O'Carroll
March 11, 2026
Google

Great service from Jack. Found us the best loan and also helped us refinance.

Kelly
Glover
March 6, 2026
Google

Rupa, Andrew and Craig are a fantastic team to work with. They made my life super easy when applying for my home loan. You can’t compare how brilliant they are at there job. Highly recommend to anyone looking for quick easy and hassle free home loan.

Henry
Reburn
February 27, 2026
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

Alcove are amazing to work with, the whole experience was seamless.

Kathryn
Farmer
October 20, 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

Chris, Ben and the team have always been terrific. Professional, prompt and practical. I would highly recommend their services as mortgage brokers.

Justin
Koonin
May 1, 2025
Google

As a first-time homebuyer, I had a great experience working with Alex. He was knowledgeable, approachable, and took the time to explain the process in detail, which helped ease any concerns I had. Alex was always responsive and kept things moving smoothly from start to finish. I appreciated his professionalism throughout the process.

Morgan
V
November 1, 2024
Google

Working with Jon and Siju has been a game changer after working with less than satisfactory brokers in the past. Communication skills and knowledge is second to none, putting us at ease during stressful times. Thanks Jon & Siju

Dave
Stewart
October 1, 2024
Google

We obtained our Reverse Mortgage via Heartland with the excellent assistance of our Broker, Mr. Andrew Dihm of Alcove. Andrew's patience and attention to detail was truly excellent, and his efforts made the entire application a simple and straightforward experience. Thank you, Andrew. That job, well done!

Simon
Veitch
August 1, 2024
Google

We have used Alcove on several occasions to help with new home loans as well as to refinance existing loans. Always receive great service, they go above and beyond, they always keep us informed and ensure we have the best rates possible. Great team and great service.

Ben
Duncombe
August 1, 2024
Google

We worked with Alicia who guided us through our first ever morgage. She was knowledgeable, quick with responses and generally a pleasure to work with.

Alex
Ubels
August 1, 2024
Google

Was an absolute pleasure working with Katrina, Mos and the support team :) Thank you very much for your prompt support and coordination & we look forward for our next loan 👍🙏

Barbell
Jack
February 1, 2024
Google
See all Google Reviews

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Book a chat with one of the team, and we’ll take it from there.
You have been referred to Alcove. The parties involved in this referral may receive a commission from Alcove if you enter into a financing agreement with us.

Selected Awards

2025 NSW/ACT Champion

AFG Broker Awards NSW

2025 AFG Champion Broker

Finalist: AFG National Broker Awards

2024 The Adviser

#1 Elite Broker Ranking

2024 MPA

#3 Top 100 Broker Ranking

2024 MFAA Excellence

Finance Broker Business Award