Two decades on the other side of the desk.

For more than twenty years, Tom Kuo was the premium lending specialist at Commonwealth Bank, Westpac and ANZ — structuring and approving lending from within the institutions themselves.

He watched capable people accept whatever they were offered, because reading hundreds of products across dozens of lenders is nearly impossible from the outside. Ascent Financial Group is his answer to that imbalance.

Today Tom acts for a deliberately small number of clients — owner-occupiers, investors, business owners and SMSF trustees — bringing an insider’s understanding of how lenders assess, price and decide, and applying it entirely in your interest. Independent. Unhurried. Accountable to you alone.