Credit Representatives in Lindfield, NSW
Compare registered credit representatives in Lindfield, New South Wales. All listings sourced from the ASIC Credit Representative Register.
Process and consumer protections
Credit representatives in Lindfield, New South Wales follow the same NCCP process as full ACL holders: assessment of suitability, disclosure of fees and commissions, and provision of a Credit Guide before any application. The Best Interests Duty applies if the representative is acting as a mortgage broker. For non-mortgage credit (personal loans, asset finance, equipment leasing) suitability assessments are still required but the Best Interests Duty does not apply. Any commission paid by the lender must be disclosed. AFCA is the external dispute resolution body, and it is free for consumers.
Ku-Ring-Gai Financial Services Limited
Ferris, Michele
Franke, Sharon
Snowgum Financial Services Pty Ltd
Pei, Lei
Y L Capital Management Pty Ltd
Jeco & M Holdings Pty Ltd
Loke, May-Ling
Aitken, Geoffrey Robert
Haim Lef Investment Pty Ltd
One Wealth Advisory Pty Ltd
Zeng, Guo
Eversun Consulting Pty. Limited
Stephenson, Adam Lee
Gao, Long
Gotloan Pty Ltd
Lau, Man To
Ram, Pooja
Granpayeh, Sara
Hu, Ying
Kostadinova, Nadejda
Hui, Yiu Ming
Jones, Maddison Ann
Kindred Home Equity Pty Ltd
Motecho Pty Ltd
Multani, Anjali
Novosel, Mark Adrian
Pascoe, Anthony Winchester
Wu, Jian
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 Lindfield, 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.