Credit Representatives in Kincumber, NSW
Compare registered credit representatives in Kincumber, 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 Kincumber, 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.
Eastham, Julie
Rutherford, Terri
Hdtf Pty Limited
Talbot, Luke
All Level Lending Pty Ltd
Geronimi, Sienna
Krivohlavy, Emily Victoria
My Mortgage Advantage Pty Ltd
Sullivan, Kristy
Coastal Alliance Capital Pty Ltd
Finspoke Pty Ltd
Lane, Breeanne Suzanne
Zrilic, Tome Richard
Dean, Darren
Durso, Matthew
Flint At Pty Ltd
Bell, Charlotte
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 Kincumber, 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.