Contact Us

Call 02 92991144

An experienced member of our Head Office Team will take your call Monday through Sunday 8.00am to 5.00pm.

Email us

We will respond within 20 minutes. (


Who Are We?

‘AAA’ has a wealth of experience in the finance industry and has been Opening Doors since 1988. We offer excellent customer service ensuring our clients are fully satisfied with the options we provide. We do not take a commission from our clients, the chosen lender pays us. (click here to find out how)

We pride ourselves on our ‘fuss free’ approach, making what can be a stressful process run as smoothly as possible.

We have excellent relationships with a variety of lenders. Banks, Investment Funds and private lenders. These relationships ensure the whole process has a much quicker turnaround.

Details for our Management Team are on this page. We welcome your contact either in person, on phone or via email during work hours, and are more than happy to schedule a time at your convenience out of these times.


Founder and Managing Director John Macalyk is Member #5 of the Mortgage Finance Association of Australia (MFAA), and an associate member of the Australian Institute of Management.

He is a member of UDIA (Urban Development Institute of Australia)

He was the 12th person in Australia to obtain a credit licence from ASIC. (Credit Licence number 364 295).

John is a pioneer of the Commercial Mortgage industry. He has also mentored and educated hundreds of brokers over the span of his career.

John provides unparalleled knowledge and experience to all ‘AAA’ clientele and believes in continuing education for himself and his team.

Commercial & Construction contact John Macalyk


Ollie Lum – Residential Loan Specialist.

Ollie’s relationship with ‘AAA’ began in 2007 when he took out his first investment loan at the age of 23. Since then Ollie has been helping customers choose the right products for their needs.

Ollie is vigilant in product research and believes no one scenario is the same. He has a Bachelor of Housing and has an unusual obsession with the Australian property market – whether you are a first home purchaser, refinancing or growing your property portfolio, Ollie prides himself on finding the right fit and looking after his clients long-term.

Home & Investment Loans – Contact Ollie Lum

02 9299 1144   – 0422 164 377


Commercial Fund Manager – David Hulston has recently joined the AAA Team.

David is our Commercial Finance specialist overseeing the AAA Commercial Mortgage Origination program.

David was one of the original founders of Wizard Home Loans in the 1990’s, which went on to become one of Australia’s largest non-bank lenders. He was a Director of Australian Finance and Investments Group Limited, jointly owned by ABN Amro NV, Deutsche Bank AG and Consolidated Press Holdings Limited, which was the funding and processing arm for over 200 Mortgage Originators throughout Australia.

Contact our Commercial Fund Manager David Hulston

02 9299 1144 0437 890 130


Customer Relationship Manager David Macalyk is the newest member of the ‘AAA’ team. David’s background is via Architecture and Business Management. David is responsible for looking after past and present AAA clients and ensures their experience with us is exceptional every time. in addition, David is responsible for new business partnerships and strategic planning.

For any feedback, or new business enquiries please contact  David Macalyk

02 9299 1144 –   0414 756 014


Our General Manager, Melissa Ashcroft (BA/Llb)  has over 10 years General Management experience with small to medium-sized businesses.

Beginning her journey with ‘AAA’ in 2002, as Office Manager, Melissa learnt the fundamentals of business management and growth. She then spent the next ten years in General Manager capacity at Australia’s most successful fashion companies. Melissa returned to ‘AAA’ in General Management capacity in 2016 and is committed to excellent customer service and continuing the momentum of the ‘AAA’ legacy.

Contact Melissa Ashcroft;

02 9299 1144 0400 468 600