73 verified credit representatives
Credit Representatives in Balcatta, WA
Compare registered credit representatives in Balcatta, Western Australia. All listings sourced from the ASIC Credit Representative Register.
Licensee structure and supervision
Credit representatives in Balcatta, Western Australia operate under the Australian Credit Licence (ACL) of a parent licensee. They are permitted to engage in 'credit activities' — arranging loans, advising on credit contracts, or acting as intermediaries — but only within the scope authorised by the licensee. Both the representative and the licensee must be listed on ASIC's Credit Register. Licensees are responsible for compliance training, complaints handling, and external dispute resolution membership through AFCA. The representative's authorisation can be checked at MoneySmart's professional registers tool — confirm that the rep number matches and the licensee shown is current.
Chillemi, Paul Michael
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Costantino, Jarred Frederick
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Delaere, Eric David
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Woods, Colin James
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Scurria, Sebastian
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Smith, Darren
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Hughes, Benjamin Micheal
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Inreach Finance Pty Ltd
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Klevansky, Joshua
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Dhlembeu, Walter
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Ferguson, Claire
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Kendal-Hamilton, Paul
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Business Time Pty Ltd
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Dobson, David Gregory
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Lancaster, Mark Stewart
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Martin, Peter
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Scurria, Sebastian
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Clarke, Luke Keh
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Donev, John Paul
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Duggan, Beau
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Priddis, Ben James
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Singh, Narinder Pal
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Tempus (Wa) Pty Ltd
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Jefford, Kelly
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Odyssey Finance Wa Pty Ltd
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Balnaves, Thomas Andrew
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Hammill, Jack
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Martin, Nicole
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Aleben Pty Ltd
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Breytenbach, Ichtus
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Douglas, James Anaru
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Silvestro, Johnny
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Capricorn Financial Group Pty Ltd
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Eral, Lisa Yen
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Ienco, Jenna Anne
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Kangkai Pty Ltd
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Loaded Nachos Pty Ltd
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Pankhania, Mayank
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Scurria, Lachlan Charlie
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Werrett, Diane May
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Construct Home Loans Pty Ltd
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Cyork Investments Pty Ltd
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Home Finance Wa Pty Ltd
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Leading Edge (Wa) Pty Ltd
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Naheer Pty Ltd
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Nguyen, Thi Bich
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Paas, Nicholas William
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Sherriff, Danielle Tamika
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Werrett, Trent Roland
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Beyond Tomorrow Wa Pty Ltd
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Fraser, Margaret Ellen
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Granato, Christian Joseph
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Green, Melanie Jean
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Jovich Pty Ltd
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Jovich, Shane Josip
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Motivate Finance Pty Ltd
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Staffe, Luke James
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Bishop, Jake
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Bright Wise Solutions Pty Ltd
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De Pinho, Nuno
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Di Rosso, Todd Giulio
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Finance Iq (Wa) Pty Ltd
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Frontline Finance Services Pty Ltd
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Ifinancewa Pty Ltd
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Mansfield, Kanya
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Mehta, Dolly Singh
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Sacino, Reece Antonio
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Smith, Cameron Robert
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Tybdr Pty Ltd
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Ukich, Anna
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Wear, Nathan John
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Bruchez-Walker, George
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Gbw Finance Solutions Pty Ltd
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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 Balcatta, Western Australia. 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.
Listings sourced from public government registers (ASIC, TPB). DecisionLab does not endorse any specific professional.
Always verify registration status directly with the relevant authority before engaging services.
Data is updated periodically and may not reflect the most current information.