Credit Representatives in Braybrook, VIC
Compare registered credit representatives in Braybrook, Victoria. All listings sourced from the ASIC Credit Representative Register.
What the licensee relationship means for you
When dealing with a credit representative in Braybrook, 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.
Swish Financial Services Pty Ltd
Tran, Huong Thi
Valet Finance Pty Ltd
Jl Mortgage Pty Ltd
Toner Avenue Pty Ltd
Patel, Sagar
Kaya Finance Pty Ltd
Ace Investec Pty Ltd
Gear Up Finance Pty Ltd
Nguyen, Quynh Thuy
Jk & Co. Finance Pty Ltd
Le, Johnny Hoang
Zk Finance Pty Ltd
Monetta Capital Pty Ltd
Pham, Tan Minh
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 Braybrook, 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.