Credit Representatives in Warrnambool, VIC
Compare registered credit representatives in Warrnambool, Victoria. All listings sourced from the ASIC Credit Representative Register.
Process and consumer protections
Credit representatives in Warrnambool, 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.
Lane, Carina Lee
Ludeman, Dallas Leigh
Youl, Gene Robert
Bant, Emma Jane
Brereton, John Stephen
Mclaren Hunt Financial Planning Pty Ltd
Arthurs Financial Pty Ltd
Arthurs, Samuel Paul
Ferguson, Michael
First 4 Finance Pty Ltd
Michael Ferguson Pty Ltd
Shannahan, John
Strickland, Gary John
Donnelly, Rodney John
Mahony, James
Mccarthy, Grant
Beks, Christopher
Bowman, Thomas
Crute, Mitchell John
Graham, Maurice
Maurice Graham Pty Ltd
Cameron, Paul William
Camsarge Pty Ltd
Harris, Stephen John
Tw Finance Pty Ltd
White, Anthony
Williams, Sylvia May
Bridge, Joanne Leah
Duffy, Shane Douglas
Finance Story Pty Ltd
Mcpherson, Andrew Neil
Morris, Andrew Thomas
Rantall, Benjamin Michael
Sinclair Wilson Finance Pty Ltd
Briggs, Rikki James
Cito, Teresa
The Trustee For Mcpherson Lending Trust
Crowe, Jack Anthony
Ellery, Isaac George
Mckinnon-Phillips, Zoe
Phillips, Michael
Shanahan, Liam Anthony
Z&Mp Finance Pty Ltd
Lumsden, Max Liam
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 Warrnambool, 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.