Credit Representatives in Rose Bay, NSW
Compare registered credit representatives in Rose Bay, New South Wales. All listings sourced from the ASIC Credit Representative Register.
Licensee structure and supervision
Credit representatives in Rose Bay, 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.
Gilkeson, Angus
Panoptimal Pty. Ltd.
Saleh, Jenny Shao
1St Financial Services Pty Ltd
Bloomfield, Yuval
Copeland, Andrew John
Ferrer, Clifford Neale
Fisher, Jeremy
Hawley, Benjamin
Imbruglia, Melanie Kate
Ryman, David Michael
Thomas, Mardee Danielle
Vrastaminos, Michael
Black & White Finance Nominees Pty Ltd
Nabung, Marika
Nest Quest Pty Ltd
Strategic Property Finance Pty Ltd
Theodor Homes Pty Ltd
Vassilis, Peter
Hasanoff, Steven
Lewkowicz, Daniel
Xanthis, Con
Lim, Rocky
Rl Financial Group Pty Ltd
Berkowitz, Jake
Ef Financial Group Pty Ltd
Sher, Terry Joel
Clarke, Gretchen Elizabeth
Gitli, Gita
Rowles, Kymberly Ann
Capwealth Pty Ltd
Rossi, Paul
Fing, Mitchell
Empowered Financial Services Pty Ltd
Max White Capital Pty Ltd
Millard, Nicole
Moneda Investments Pty Limited
Psaltis, Andoni
Upton, Anna-Louise
Ejn Merran Property Finance 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 Rose Bay, 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.