Opening Doors Since 1988

What We Do

'AAA' have been in business for over 30 years.

We are experienced and professional commercial, residential and development finance brokers.

Our customer always comes first and there is no query too small or too big!

Our goal is to surpass your expectations of what obtaining finance should be like.

We have a large client base and access to more funders than most; and we appreciate that every finance need is unique.

Whether it be a new purchase, refinance for a better rate, or comparing your current product, we are happy to assist. 

Headshot of AAA Mortgage's Founder and Managing Director John Macalyk

Who Are We?

The AAA Management Team



Founder and Managing Director John Macalyk is Member #00005 of the Mortgage & Finance Association of Australia (MFAA), and is an associate member of the Australian Institute of Management.

John was the 12th person in Australia to obtain a credit licence from ASIC (Credit Licence number 364 295). He is a member of UDIA (Urban Development Institute of Australia) and is a pioneer of the Commercial Mortgage industry in Australia.

John has mentored hundreds of brokers over the span of his career and also arranges Senior Equity Finance (Asset Rich/Cash Poor) as a way of giving back to the Industry.


Ollie Lum joined 'AAA' in 2017 and in the short time he has held the role of our Residential Loan Specialist, he has worked with hundreds of new and existing 'AAA' clients.

Prior to joining 'AAA', Ollie was part of the management team at Volkswagon for 13 years.

Ollie is a team player who strives for 100% customer satisfaction each time and our 5-star Google reviews speak for themselves!

Our General Manager Melissa Ashcroft holds a Bachelor of Arts and Bachelor of Law from Macquarie University and has over 10 years of General Management experience in small to medium-sized businesses.

Melissa commenced with 'AAA' in 2002 as an Office Manager, then moving onto a General Manager capacity at two of Australia’s most successful fashion houses. 

Melissa returned to ‘AAA’ as General Manager in 2016 and is committed to excellent customer service and continuing the momentum of the ‘AAA’ legacy. She was a state finalist in the MFAA Awards for Commercial broking in 2020 and 2021 amongst many other accolades 

Thumbnail of AAA Mortgage's Founder and Managing Director John Macalyk

Ollie Lum - Residential Loan Specialist 

AAA Portraits (17).jpg
Thumbnail of AAA Mortgage's Residential Loan Specialist, Ollie Lum

Melissa Ashcroft - General Manager

John Macalyk - Managing Director

A Bit of History

Watch one of our first Television commercials

What Else Do We Do?

'AAA' Money is the funds management arm of The AAA Financial Group.

We are a loan provider for home and commercial property transactions. Speak to a member of our team at a time that suits you.

We manage all our third party transactions via this channel. Brokers may become accredited by emailing

New purchase, refinance for a better rate, or compare your current product, we are happy to assist.