Tools and insights for bigger property decisions.
A growing hub of calculators and guides from Alcove. Built to help clients and referral partners see what's actually possible before a single form is filled in. New tools land here as we build them.
Part of Alcove. For the full practice, visit alcove.com.au.
Run the numbers yourself.
Calculators we use in real client conversations. Open, honest, and free of marketing maths. New tools land here as we build them.
Repayments calculator
What a loan actually costs you each month. Principal, interest, and the total over the life of the loan.
Borrowing power
A realistic range based on income, debts and household. Not a bank's marketing number.
Refinance saving
What switching could save you over five years, after fees, in plain dollars.
Stamp duty
State-by-state, with first-home buyer and investor concessions handled properly.
Offset vs redraw
Same interest saved on paper, but very different in your life. We show the difference.
Fixed vs variable
Model the trade-off across cash-rate scenarios instead of guessing.
Plain-English thinking on lending.
Short reads for clients and sharper talking points for partners. Written by people who actually structure loans for a living.
When opportunity knocks next door
A Brisbane couple came to us looking to renovate. Two years of design meetings later, their neighbour offered them the house next door. Here's how the lending advice followed the situation, not the original brief.
How offset and redraw really differ
Same interest saved — but the benefit shows up in two very different ways. Here's how to tell which suits you.
Why lender choice can move borrowing power six figures
The same income can produce a six-figure difference in borrowing power depending on the lender. What advisers should flag before a client applies anywhere.
Tools and content you can share.
A simple way to give your clients useful tools, without leaving your advice relationship.
Share a calculator
Link any tool straight into your next email. Branded, plain, no logins, no funnels.
Send a guide
Use our insights as the explainer you didn't have time to write. Each one is tagged by audience.
Refer with confidence
We work alongside you, keep you in the loop, and return the client. No poaching, ever.
Words from people we've helped.
“We approached Alcove on the recommendation of a friend and have been very pleased with their service. Everything was done at our pace and we never felt pressured towards any particular options or rush into any decisions. As first-home buyers, we had about a thousand questions at every step of the process, and the Alcove team were patient and detailed in providing informative answers to every single question. We ran into some issues with our short settlement and the team went above and beyond to ensure we settled on time and kept us informed throughout the entire process. We are so happy with our new home and we're really happy we went with Alcove.”
“Craig, Andrew, Caryl and the Alcove team are approachable, knowledgeable and patient. They were always available to answer questions and responded quickly with a thorough explanation. They were great as we are first home buyers and would highly recommend using them as your mortgage broker.”
“Team at Alcove have been great from start to finish. Provided multiple options to support our refinance and investment property loan. Team was easy to work with, very professional. Highly recommend.”
“Amazing old fashioned service in a modern world. I can't thank you all enough on how smoothly you operate and made my busy life so easy knowing you were looking after the settlements and mortgage. Caryl you are a star. Thank you.”
“Craig and the whole Alcove team helped us refinance our investment property and made the whole process incredibly smooth. They were so friendly, warm, responsive, and helpful from start to finish. We really appreciated how easy they made everything and would absolutely use them again.”
“Alcove have been an exceptional partner in my mortgage refinance. Very proactive and really understood my goals.”
“Great experience, the Alcove team were fast, professional and helpful during our recent loan preparation and approval. Will definitely use them again.”
“Very professional and helpful broker service, highly recommend the entire team for their attention to detail and the knowledge of the industry!”
“As a 21-year-old buying my first investment property, finding the right mortgage broker was just as important as finding the right property, and Alcove absolutely delivered. From start to finish, the experience was seamless, professional, and genuinely enjoyable. Craig, Nick, Andrew, and Caryl were all fantastic to deal with throughout the process. The whole team brought a level of expertise, warmth, and communication that made what can be a stressful and confusing process feel straightforward and stress-free. They took the time to present excellent options tailored to my situation, explained everything clearly, and the turnaround time was impressive. I'm extremely happy I was referred to Alcove, and I'll be returning without hesitation for my next purchase. Couldn't recommend them highly enough.”
“Excellent service! The team was with me through every step along the way. Highly recommend.”
“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 their job. Highly recommend to anyone looking for a quick, easy and hassle free home loan.”
“Incredible service, with a detailed and personalised approach from start to finish. They take the hassle out of all of the processes, implementing our refinancing with minimal fuss. Furthermore, they were always available to talk through anything and provide their guidance along every step of the way. Will definitely use again in the future! Craig, Andrew and Rupa have all been fantastic!”
“We've had a wonderful experience with Alcove and will continue to use them in the future. Craig and Andrew are the best in the biz.”
“I have recently settled on a property in Brisbane and would absolutely recommend the team at Alcove. Very thorough in the work they do, always replied to any questions I had very fast, no matter how simple or complex they were. Thanks again guys!”
“The team at Alcove (Caryl, Andrew and Craig) came to the rescue to help my wife and I navigate a tricky mortgage disposal and refinance. They did a great job, stepping us through the process and giving us the information we needed to make the right decisions, and helping us get the right mortgage in place. We are very happy to recommend Alcove!”
“The whole team at Alcove, Andrew, Craig and Caryl were so helpful throughout our refinance process. This was the first time we had been through this and they kept us in the loop the whole way and made it a great experience. Would highly recommend Alcove to anyone.”
“They were professional and reliable and they do a great job of dealing with the lenders. I would definitely recommend them and I will definitely be using Alcove in the future.”
“Amazing work from Craig, Andrew, Rupa and the rest of the team at Alcove! Thank you for the clear comms, transparency and urgency. It goes a long way for first home buyers!”
“Great to deal with. Very prompt and professional.”
“My wife and I worked with Alcove to refinance our home loan. We had some specific goals in mind and they were able to put together a new loan proposal which ticked all of our boxes, and the final outcome exceeded our expectations. Craig, Andrew, Swesha and the team were super easy to work with, highly professional and obviously really good at what they do. Highly recommend!”
Rather just talk it through?
Thirty minutes, no cost, no obligation. We'll listen, sketch the options, and tell you straight whether we can help.