82 verified credit representatives
Credit Representatives in The Ponds, NSW
Compare registered credit representatives in The Ponds, New South Wales. All listings sourced from the ASIC Credit Representative Register.
Process and consumer protections
Credit representatives in The Ponds, 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.
Bell Captain Pty Ltd
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Manoharan, Edwin
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Gindra, Tejinder Pal
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Intrinsic Financial Services Pty Ltd
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Lakhani, Sohil Amirali
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Tjhh Pty. Ltd.
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Boss Lady Holdings Pty Ltd
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Wong, Hon Yam
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Avisun Pty Ltd
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Bhandari, Sunishtha
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Patel, Priyankbhai Vishnubhai
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Reyash Pty Ltd
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Yuhico, Maria Cristina
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Shrestha, Ashish
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Dhish, Shalini
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Dutta, Abhishek
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Jardenil-Shrestha, Ghia Liza
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Petizo Pty Limited
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Polorotoff, Peter
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Sg Financials Pty Ltd
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Soni, Tusharkumar Mukundkumar
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Sonik Financial Services Pty Ltd
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Stark Distribution Pty Ltd
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Aaviva Wealth Management Pty Ltd
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Arora, Sumit
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Baryla, Przemyslaw Daniel
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Beyond Pb Financial Pty Limited
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Chawla, Mohit
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Chhabra, Ritesh
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Imperial Financial Services Pty Ltd
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Kureshi, Irfan Zahiruddin
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Sanghvi, Sailesh
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Sb Experts Pty Ltd
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Sk Financial Solutions Pty Ltd
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Sood, Gaurav
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Unifi Nominees Pty Limited
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Ezzy Finance Services Pty Ltd
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Finance First Australia Pty Ltd
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Idream Mortgage Solution Pty Ltd
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Java Financial Services Pty Ltd
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Nangia, Kunal
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Patel, Mihir Mahendrakumar
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Patel, Vaibhav
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Qura, Jonathan
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Shah, Brijesh Rashminbhai
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Solanki, Jigar Nareshkumar
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Verma Capital Pty Ltd
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Wadhwa, Agreena
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Abdulkhader, Sheena
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Bajwa, Balvirsingh
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Kabeeb, Moitheenkutty
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Mass Financial Consultancy Pty Ltd
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Patel, Neelam Jigneshkumar
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Singhal, Vivek
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Zyana Pty Ltd
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Alpha Quad Pty Ltd
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Avinante, Paul David
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Earthly Art Pty Ltd
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Garipally, Archana
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Just Finloans Pty Ltd
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Kreative Financials Pty Ltd
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Malek, Mohsin
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Marble Sparrow Pty Ltd
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Mehta, Raja
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Narang, Amit
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Singh, Sarabjot
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Surana, Ashika Vikas
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The Trustee For Am Narang Family Trust
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Ananthanarayanan, Shriram
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Bartake, Aditya
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Dhir, Arjun
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Kollectiv Capital Pty Ltd
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Kumar, Amit
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Malhotra, Neha
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Mosaic Financials Pty Ltd
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Opaledge Finance Pty Ltd
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Radiant Financial Pty Ltd
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Rrsan Pty Ltd
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Sethi, Muskan
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Shakya, Juna
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Credq Pty Ltd
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Patel, Kshitij Rohitkumar
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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 The Ponds, 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.
Listings sourced from public government registers (ASIC, TPB). DecisionLab does not endorse any specific professional.
Always verify registration status directly with the relevant authority before engaging services.
Data is updated periodically and may not reflect the most current information.