Credit Representatives in Elwood, VIC
Compare registered credit representatives in Elwood, Victoria. All listings sourced from the ASIC Credit Representative Register.
Process and consumer protections
Credit representatives in Elwood, 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.
Elwood Community Financial Services Limited
Langdon Finance Pty Ltd
Langdon, Timothy Hugh
Pati, Charles
Malibu Services Pty. Ltd.
Borg Consulting Group Pty Ltd
Borg, Mario
Connors, Michael Joseph
Pollard, Caroline
Harrison, Bernadine
Mighty Finance Pty Ltd
Harb, Leanne
Holmes, Michael
Sukalo, Misho
Chawla, Karan
Pay Laterz Pty Ltd
Martin, Samantha Mary
Rana, Swati
Sutcliffe, Alan Meyrick
Elm Capital Partners Pty Ltd
Ngs Capital Partners Pty Ltd
Shaw, Jonathan
Comber, Anna-Lisa
Crockett, Graham Laurence
Elwood Beach Finance Pty Ltd
Henry, Angus
Kuoda Pty Ltd
Mcrae, Kristy
Neal, John Philip
Gooding, Andrew
Loan Fair 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 Elwood, 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.