Credit Representatives in Bowral, NSW
Compare registered credit representatives in Bowral, New South Wales. All listings sourced from the ASIC Credit Representative Register.
What the licensee relationship means for you
When dealing with a credit representative in Bowral, New South Wales, the licensee they represent matters as much as the representative themselves. The licensee carries the ACL, the professional indemnity insurance and the AFCA membership that protect you if something goes wrong. Each entry below shows the licensee's name. Representatives may be authorised for residential lending, commercial lending, leasing, or all three — ask up front. Disclosure documents (Credit Guide, Credit Quote, Proposal Disclosure) must be provided before any binding application; these documents detail fees and any commission flows.
Elizabeth Wilson & Associates Pty Ltd
Wilson, Elizabeth Rebecca
Arete Finance Pty Ltd
Dumble, Daniel Jonathan
Golden Goose Lending Group Pty Ltd
Doyle, Abby
Hassos, Peter
Ross, Alexander Hugh
Goldsmith, Paul Frederick
Ryan, Wendy Margaret
Gibraltar Financial Pty Limited
Howard, Tate Anthony
Ironbark Sh Pty Ltd
Sullivan, Joshua Lee
Webb, Rachel
Leahy, Michael Leif
Pivot Funding Pty Ltd
Bdcu Financial Services Pty Limited
Boucher, Christine Gai
Burn, Shannon Louise
Burroughs, Noelle
Fast, David
Hilmi, Michaela
Mclaughlin, Heather
Mills, Erin Rae
Schiller, Tanya Marie
Shumack Ventures Pty Ltd
Shumack, Piers Brady
Woodward, Nicolette Kay
Bloom Financial Services Pty Ltd
Collier, Adam
Peden, Angus
Penrose, Robert John
Bowral Capital Pty Ltd
Box Vale Investments Pty Ltd
Campbell, Peter Colin
Grundy, Stuart
Juwan Hettige, Radhika
Kezem Pty Limited
Mitchell, Benjamin David
Moore, Quinton
Park, Nicholas
Prince, Sharyn Therese
Robert Simpson Agency Pty Ltd
Ross, Alexander Hugh
Ross, Bernard Hugh
Simpson, Robert Wayne
Chase, Emily
Fokas, Rana
Jones, Michael Stephen
Nearby Credit Representatives
Frequently asked questions
What's the difference between a credit licensee and a credit representative?
An Australian Credit Licence (ACL) holder operates independently under their own licence. A credit representative is authorised by an ACL holder (the licensee) to provide credit services on the licensee's behalf. Both arrangements are regulated by ASIC under the NCCP Act and must appear on ASIC's Credit Register.
How do I verify a credit representative is authorised?
ASIC's Credit Register at moneysmart.gov.au lists every authorised credit representative in Australia, including those operating in Bowral, New South Wales. Each entry shows the representative's number, the licensee they are authorised under, and the scope of credit activities they are permitted to provide. Always confirm before signing any document.
What protections do I have when dealing with a credit representative?
Consumer protections under the NCCP Act apply equally to credit representatives and to licensees: a Credit Guide before any application, disclosure of all fees and commissions, a suitability assessment of the credit product, and access to AFCA for unresolved complaints — all at no cost to you.
Can a credit representative arrange any type of loan?
No. Each credit representative is authorised for specific credit activities by their licensee — typically residential mortgages, commercial finance, leasing, or a combination. The authorisation scope is shown on the ASIC Credit Register entry. Ask about the scope before engaging if you need a specific loan type.