Credit Representatives in Mitcham, VIC
Compare registered credit representatives in Mitcham, Victoria. All listings sourced from the ASIC Credit Representative Register.
Process and consumer protections
Credit representatives in Mitcham, 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.
Aggarwal, Pankaj
First Avenue Lending Pty Ltd
Lyddy, Joshua
Nathani, Akbar
Ytm Group Pty Ltd
Jb Shine Finance Pty Ltd
Wang, Sarah Yifan
Foster, Dallas
Infinite Vision Credit Pty Ltd
Zhang, Bin
Zhao, Lei
Cheng, Xianhe
Eagle Wings Property Development Pty Ltd
Hlz Finance Pty Ltd
Suh, Hyun Jean
Sun, Feng
Wang, Haixin
Wintrix Group Pty Ltd
Atom Finance Pty Ltd
Casement Loans Pty Ltd
Dods, Tristram
Fang, Zhiyuan
Lumina Wealth Pty Ltd
Wang, Zhongjie
Zhu, Jian
Gagic, Leo
Yan, Yongshan
Divergent Financial Advisory Solutions Pty Ltd
Future Vision Finance Pty Ltd
Jiang, Chen
Ladduge, Udesh Priyamantha
Meng, Zixuan
Ray J Finance Pty Ltd
Wong, Chong Yii
Capital Exchange Financial Services Pty Ltd
Finpath Lending Pty Ltd
Mortgage Lending Services Pty Ltd
Noah Financial Group Pty Ltd
Purcell Property Loans Pty Ltd
Purcell, Sebastian John
Soh, Ann Yuen
Tepelis, Dimitrios
Tran, Simon
Verma, Jagriti
Wang, Xinmiao
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 Mitcham, 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.