Credit Representatives in Rosanna, VIC
Compare registered credit representatives in Rosanna, Victoria. All listings sourced from the ASIC Credit Representative Register.
Process and consumer protections
Credit representatives in Rosanna, 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.
A.L. Arrowsmith & Associates Pty Ltd
Pack Net Pty Ltd
Reichert, Martin
Lloyd, Paul Allan
Ritchie, Gary
Kalogirou, Andrew
Ybrr Pty Ltd
Arrowsmith, Ashley
Li, Sha
Precision Financial Service Pty Ltd
Walsh, Nita
Reichert, Martin
Catanzariti, Saverio
Ramirez, Kristine Camille
Ramirez, Kristine Camille
D & A Financial Group Pty Ltd
Farah, Faisal
K & J Farah Finance Pty Ltd
Mckay, James Robert
Moran, Laura May
Han, Leng
Pantelios, Harry
Anand, Jesny
Aniket, Aniket
Arora, Amaye
Chima Financial Services Pty Ltd
Singh, Sher
Tran, Vu
Memery, Thomas Nigel
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 Rosanna, 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.