Credit Representatives in Ballarat, VIC
Compare registered credit representatives in Ballarat, Victoria. All listings sourced from the ASIC Credit Representative Register.
What the licensee relationship means for you
When dealing with a credit representative in Ballarat, Victoria, 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.
Emmerson Financial Group Pty Ltd
Emmerson, Chris
Fitzpatrick, Brent Joel
Boyd, Jarrod
Costigan, Anthony
Etchells, Andrew Gordon
Harris, Joel Christopher
Sjbutler Mortgage Solutions Pty Ltd
Bunning, Timothy Shane
Healthcare Capital Partners Pty. Ltd.
Yanes, Gabriel Josue
Butler, Shane Joseph
Caldwell, Liam
Newell, Grant
Mor Finance Pty Ltd
Fardrum Pty Ltd
Murphy, Austin
Functional Finance Pty Ltd
Gravina, Bernadette Roza
Mark Taylor Financial Services Pty. Ltd.
Nicholls, Daniel Henry
Potter, Sophie Victoria
Sovivi Pty Ltd
Taylor, Mark
Austin, Matt
Coltman, Danielle Louise
Seed Lending Pty Ltd
Carr, Tracey Lee
Fitzpatrick Capital Pty Ltd
Fitzpatrick, Nigel
Jeffrey, Benjamin John
Yellowstone Lending 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 Ballarat, 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.