Credit Representatives in Altona, VIC
Compare registered credit representatives in Altona, Victoria. All listings sourced from the ASIC Credit Representative Register.
Process and consumer protections
Credit representatives in Altona, Victoria 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.
Hobsons Bay Community Financial Services Ltd
Paten, Glenn
Abate, Carlo
Alto Solutions Pty Ltd
Camilleri, Glyn Xavier
Auhl, Kate
Farrugia, Tracey
Gleneagle Settlements Pty Ltd
Mangani, Belinda
Schubert, Gabrielle
Stone, Olga Nikolayevna
Madan, Rajendrasinh
Ons Services Pty. Ltd.
Camilleri, Luke
Frawley, Benjamin Francis
Fruir Enterprises Pty Ltd
Grech, Michael Walter
Gxcfs Pty Ltd
Jipahw Pty Ltd
Crivellaro, Stefania Lucy
Evans, Chrystal Louisa
Monga, Raghubir
Tong, Teck
Wotzko, Jillian Margaret
Balyan, Vishwajeet
Swyft Technology Pty Ltd
Camilleri, Jessica Frances
Freemax Pty Ltd
Hans, Vishal
Joseph, Binu
Kumar, Gurdeep
Mak Augment Pty Ltd
Vox Finance Pty Ltd
Adams, John
Credit File Repairs Pty Ltd
Echobright Pty. Ltd.
Ami, Sana
Curtin, Sean Matthew
De Zilva, Richard Mark
Hildebrand, Alexander
Hpm Finnancial Services Pty Ltd
Kaur, Vattandeep
Sturges, Bree
Coetzee, Aneese Catherine
Trogrlic, Dario
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 Altona, Victoria. 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.