About
Transcend

We understand that financial decisions are often tied to much bigger life goals — building wealth, creating security, growing a portfolio, or planning for the future.

Our focus is on providing a more considered and personalised lending experience, combining strategic guidance with genuine relationships and long-term thinking. We work closely with our clients to navigate the process with clarity and structure solutions that support both immediate priorities and future opportunities.

Backed by a highly experienced team and access to a broad panel of lenders, we are committed to delivering a level of service that feels proactive, transparent, and tailored from beginning to end.

  • Strategic Thinking

    We look beyond the immediate transaction to help structure lending solutions aligned with your long-term goals.

  • Clear Guidance

    Finance can feel overwhelming without the right advice. Our role is to simplify the process and provide clarity at every stage.

  • Personalised Experience

    Every client’s circumstances are different, which is why our approach is tailored, considered, and relationship-driven.

  • Long-Term Relationships

    We’re here beyond settlement — supporting our clients as their goals, circumstances, and opportunities evolve over time.

Meet the Team

  • Lara Kardia

    Senior Broker

    Lara brings a thoughtful blend of big-picture thinking, hands-on experience, and genuine care to the lending process.

    She supports clients across home loans, refinancing, investment lending, and finance structuring, helping them understand their options and make confident decisions.

  • Alec Armstrong

    Finance Broker

    Alec brings a well-established background in financial planning, allowing him to approach lending with a broader view of each client’s goals, priorities, and long-term financial position.

    He takes a considered and strategic approach, helping clients understand their options and make lending decisions that support both their immediate needs and future plans.

  • Chloe Middleton

    Senior Broker & Lending Strategist

    Chloe brings strong lending and credit experience to the team, helping ensure client applications are well-structured, carefully assessed, and clearly presented.

    She is detail-focused, solutions-driven, and committed to making the finance process as smooth as possible.

  • Matt Mitchell

    Finance Associate

    Matt has a hardworking, approachable, and client-focused attitude. He is committed to helping clients feel informed and supported throughout their finance journey, from the first conversation through to settlement.

    With a strong focus on communication and genuine service, Matt takes the time to understand each client’s goals and help them navigate their lending options with confidence.

  • Trinita Kirana

    Client Experience & Brand Support

    Trinita supports the client experience, brand, and day-to-day operations at Transcend Financial.

    With creativity, organisation, and a thoughtful eye for detail, she helps ensure the way we communicate, present, and connect reflects the considered service our clients receive.

  • Sonia Kelly

    Lending Support Specialist

    Sonia brings extensive experience across finance, mortgages, and lending support. She assists with the smooth progression of client applications, supporting our brokers with care, organisation, and strong attention to detail from application to settlement.