Credit Representatives in Carnes Hill, NSW
Compare registered credit representatives in Carnes Hill, New South Wales. All listings sourced from the ASIC Credit Representative Register.
Licensee structure and supervision
Credit representatives in Carnes Hill, New South Wales operate under the Australian Credit Licence (ACL) of a parent licensee. They are permitted to engage in 'credit activities' — arranging loans, advising on credit contracts, or acting as intermediaries — but only within the scope authorised by the licensee. Both the representative and the licensee must be listed on ASIC's Credit Register. Licensees are responsible for compliance training, complaints handling, and external dispute resolution membership through AFCA. The representative's authorisation can be checked at MoneySmart's professional registers tool — confirm that the rep number matches and the licensee shown is current.
Azeem, Mohammed
Top Choice Mortgage Pty Ltd
John Lim Engineering Pty Ltd
Lim, Wee Chian
Halo Lending Group Pty Ltd
Manhal, Youhanna Majed
Nissan, Anna Diem
Fazzolari, Michael Roy
Finance & Co Pty Ltd
Razmovski, Iskra
Signature Money Solutions Group (Nsw) Pty Ltd
Simonian, Sevan
Dao, Quoc Anh
Fundx Group Pty Ltd
Mtn Financials Pty Ltd
Primestone Financial Pty Ltd
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 Carnes Hill, 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.