- PK Lending’s client-first approach focuses on long-term goals, not one-off transactions.
- Patricia partners with Valiant to offer broader lending options without losing personal touch.
- Future-focused conversations help clients plan ahead and unlock opportunities they didn’t know they had.
When you sit down with Patricia Kiriaki from PK Lending, you quickly realise you’re not speaking to a typical broker.
Before discussing products, rates or timelines, she asks every client: “What are your goals? Where do you want to be in five years?”
It’s a simple moment, but one that shapes the entire relationship.
Rather than treating each finance request as a one-off, Patricia sees every conversation as the start of a longer journey, focused on helping clients understand and plan for what comes next.
And as it turns out, that future-focused approach has been part of her life since she was young.
A work ethic formed early
Patricia grew up in a hardworking family, splitting her time between Sydney and a farm in the Hunter region. While she jokes that she didn’t always appreciate the early mornings and farm chores, she now sees how much those years shaped her discipline.
A moment from school soccer still drives her thinking today. After scoring in a grand final, she ran over to her dad expecting celebration. Instead, he asked: “Are you going to go back to school and study now? What are you going to do next?”
At the time, it felt blunt. In hindsight, she sees it as a defining lesson: celebrate your wins, but always know where you're heading.
Today, that same philosophy drives her client conversations: “Once we get you this house, what’s next? Once we reach this step, what’s the next chapter you want to build?”
From pastry chef to asset finance to building a brokerage
Patricia’s path into broking wasn’t linear. She started as a pastry chef, then moved into car sales, before going into finance at a dealership, where she spent over a decade. There, she discovered a love of numbers and helping people make big decisions with confidence.
Looking for flexibility, the freedom to travel, and a more holistic way of supporting clients, she took the leap into broking. From day one, she embraced what many brokers shy away from:
“I didn’t want to be the broker who only offers one thing. My clients want solutions for their home, their business, their vehicles, their investments. I want to be the person they can go to for everything.”
That philosophy quickly set her apart, and it’s exactly why Valiant became an important part of her business.
Why PK Lending partners with Valiant
As Patricia grew her brokerage, she needed a way to offer commercial, asset and business lending without compromising service, speed, or client relationships.
She wanted breadth without losing personal touch, and Valiant fit naturally into that model.
“My clients come to me because they want someone they can trust. Valiant helps me offer more lending options without losing that trust. It means I can stay hands-on but still deliver a complete solution.”
Supporting clients while supporting growth
Patricia often spends long days driving to see rural clients. She may have patchy reception, back-to-back appointments, or be tied up workshopping residential files. But she still wants her commercial and asset clients to feel looked after.
“There are days I’m five hours on the road. Being able to say to my contact at Valiant, ‘Please keep everything moving, CC me in,’ gives me real peace of mind. Clients are looked after even when I’m on the highway.”
It’s not a handoff but a partnership. Patricia remains the primary broker, while Valiant quietly powers the process behind the scenes.
Looking beyond the loan
Patricia’s clients value more than her experience. They value her curiosity, as she asks about:
- How their business is performing
- Whether vehicles are nearing end of life
- Any upcoming equipment purchases
- Cash flow planning for the next year
- The life they want beyond “the next loan”
“If you ask the right questions, you unlock needs they didn’t know they had. And you stay part of their story long term.”
One recent client had three asset finance applications lodged by another broker with three lenders, which left hard enquiries on their credit report.
Patricia and Valiant took a different approach, workshopping the deal first, confirming lender appetite, and only submitting when confident.
The result? A clean, well-structured approval that didn't damage the client’s credit.
Human relationships still matter
Patricia knows AI and automation will shape the industry, but some things technology can’t replace.
“My clients still want to talk to me. They want a real conversation. They want someone who remembers their goals, not an automated email.”
She sends birthday messages, checks in about holidays, and remembers the details that matter. In a crowded market, personal touches like these become a true differentiator.
Partnerships that support growth
Like Valiant, Patricia thinks beyond the immediate loan, staying proactive, keeping clients in the loop, and guiding them towards their bigger goals.
“You only want to surround yourself with good people who help you grow. That’s true in life and it’s true in business. Valiant helps me deliver on what my clients expect, and it supports the kind of broker I want to be.”
Her story is a reminder that great broking isn’t about being the loudest or the biggest. It’s about listening and walking with clients from one goal to the next.
And for brokers like Patricia, who want to serve better and scale without losing touch, partnerships like Valiant aren’t just operational support. They’re part of the journey.
