Rated excellent on Google
Australian Credit Licence (ACL) Applications
Get your Australian Credit Licence, guaranteed
Access our award-winning legal & compliance services to obtain an ACL in record time.
- Expert guidance for ACL applications
- 100% success rate in applications
- Tailored compliance solutions for your business
- Streamlined process for quick approvals
FREE · NO OBLIGATION · QUICK REPLY
Book a free ACL consultation
Confidential. We never share your details.
Trusted by industry leaders
300+ AFSL holders · excellent on Google
HOW WE DO IT
Get your Australian Credit Licence, guaranteed & in record time
Watch how our streamlined 4-step process takes the complexity out of your ACL application, backed by a 100% success rate and expert, hands-on guidance at every stage.
BY THE NUMBERS
ACL applications, by the numbers
SERVICE LINE
ACL Applications
Expert preparation and lodgement of your Australian Credit Licence application with ASIC, in record time.
ACLs lodged
Application success rate
INDUSTRIES WE SERVE
Lenders
Mortgage Brokers
Credit Providers
Finance Brokers
HOW IT WORKS
Obtain your ACL in 4 simple steps
A streamlined 4-step process that guides you through each stage, ensuring a clear, efficient and successful path to your Australian Credit Licence.
1
Book a free consultation
We map your business model and credit-service offerings, your ACL requirements, and your Responsible Managers’ suitability and experience.
2
Engagement & documentation
We formalise our service agreement and project plan, then gather the key business and personnel information for your application groundwork.
3
ACL application
We prepare all required Proof Documents, run a final quality check, lodge with ASIC, and liaise with the regulator through assessment.
4
Compliance & support
After approval we help you establish and implement your ongoing compliance framework for credit services, with resources and updates.
Peter Hagias, Founder
OUR FIRM
Who we are
In a regulated industry, the wrong partner can cost you your licence, your timeline and your sleep. AFSL House was built to be the opposite. Since 2020, founder and senior financial services lawyer Peter Hagias has led a team trusted by financial services businesses of every size. We take the stress and guesswork out of operating in a regulated environment.
We are more than a law firm. Alongside our 100% AFSL application success rate, we help you meet your ongoing regulatory obligations and commercial objectives with a number of complementary services. So whatever you need to launch your business and stay compliant, it is all under one roof.
CLIENT RESULTS
Real mandates, real outcomes
01/07
BTC Markets
Crypto Exchange
The first AFSL ever granted to a crypto exchange in Australia, backed by ongoing fixed-fee legal & compliance support.
THE OUTCOME
1st
AFSL for a crypto exchange in Australia
Retainer
Ongoing fixed-fee legal & compliance
AFSL APPLICATION • LEGAL • COMPLIANCE & REGULATION • RM RECRUITMENT
THE SITUATION
Australia’s leading crypto exchange needed legal and compliance expertise to navigate an ever-evolving crypto regulatory landscape, and wanted an AFSL to establish a payments business.
WHAT THEY NEEDED
Specialist legal and compliance expertise to stay ahead of fast-moving crypto regulation, and an AFSL to underpin a new payments business.
HOW WE HELPED
We secured the first AFSL ever granted to a crypto exchange in Australia, including the authorisations to support a payments business, and continue to act as an extension of their team under a fixed-fee retainer, providing dependable legal and compliance support as the landscape evolves.
Fixed fee · No obligation
Damisa
Cross-Border Payments & Crypto Brokerage
AFSL secured to power cross-border payments using stablecoin rails, crypto buy & sell and multi-currency capabilities, giving customers same-day settlement and the ability to settle payments in cryptocurrency.
THE OUTCOME
AFSL
Granted by ASIC
Stablecoins
Cross-border payments, crypto & multi-currency
AFSL APPLICATION · LEGAL · COMPLIANCE & REGULATION
THE SITUATION
A cross-border payment provider moving money in and out of Australia on behalf of customers using stablecoin rails, and wanting customers to be able to buy, sell and hold crypto and multiple currencies on its platform.
WHAT THEY NEEDED
A full-scope AFSL authorising cross-border payment services using stablecoins, the ability for customers to buy and sell crypto, and multi-currency capabilities.
HOW WE HELPED
We guided Damisa through a rigorous ASIC application and secured its AFSL, authorising cross-border payment services, enabling customers to buy and sell crypto, and providing multi-currency capabilities. We also assisted with AML registration as a remitter, ongoing legal and compliance set-up, PDS, FSG, TMD and T&Cs preparation, and support securing local banking and liquidity providers.
Fixed fee · No obligation
Bless Payments
Payments & Remittance
A turn-key path to market, covering the full legal stack, an AFSL and AUSTRAC remittance registration.
THE OUTCOME
Turn-key
Legal, disclosure & licensing build
AFSL + AUSTRAC
Licence & remittance registration
AFSL APPLICATION • LEGAL • COMPLIANCE & REGULATION • RM RECRUITMENT
THE SITUATION
A payments and FX business preparing to come to market and needing its entire regulatory and legal foundation built from the ground up.
WHAT THEY NEEDED
Support across every element of operating a payments and FX business, including an AFSL, AUSTRAC registration and the full suite of legal documents.
HOW WE HELPED
We delivered a turn-key solution across their payments and FX business, preparing the legal documents and securing the AFSL and AUSTRAC remittance registration, and we continue to provide ongoing services today.
Fixed fee · No obligation
Curated Capital
Wholesale Property Fund
Licensed to offer wholesale property syndicates, with ongoing legal and compliance support.
THE OUTCOME
AFSL
Granted for wholesale syndicates
Ongoing
Legal & compliance support
AFSL APPLICATION • LEGAL • COMPLIANCE & REGULATION
THE SITUATION
A wholesale property fund preparing to offer property syndicates to its clients.
WHAT THEY NEEDED
An AFSL and the disclosure documents required to offer wholesale property syndicates, plus ongoing legal and compliance support, including assistance administering each wholesale property syndicate.
HOW WE HELPED
We obtained their AFSL and established the disclosure documents required to offer wholesale property syndicates, and we provide ongoing legal and compliance support, including assistance administering each wholesale property syndicate.
Fixed fee · No obligation
Hello Clever
Fintech & Payments
From an established business to a fully licensed, regulated product offering.
THE OUTCOME
Full-scope
AFSL secured
RMs placed
Responsible Managers sourced
AFSL APPLICATION • LEGAL • COMPLIANCE & REGULATION
THE SITUATION
An existing business looking to expand its product set into regulated financial offerings for the first time.
WHAT THEY NEEDED
To move through the AML registration phase, uplift its AML/CTF documentation and processes, and obtain a full-scope AFSL with the right Responsible Managers.
HOW WE HELPED
We guided them through AML registration, updated their AML/CTF documentation and processes, sourced Responsible Managers and secured a full-scope AFSL, and now support them with their ongoing legal and compliance requirements on a fixed-fee retainer.
Fixed fee · No obligation
Toss
Global Super-App
Korea’s leading financial SuperApp, now licensed to provide remittance services in Australia.
THE OUTCOME
5 months
To a granted AFSL
End-to-end
Market entry & licensing
AFSL APPLICATION • LEGAL • COMPLIANCE & REGULATION • RM RECRUITMENT
THE SITUATION
Korea’s leading financial SuperApp seeking to establish a licensed remittance business in Australia.
WHAT THEY NEEDED
To establish a licensed remittance business in Australia, including a local presence and the licences and registrations required to provide domestic P2P payment services.
HOW WE HELPED
We stood up their Australian operations, covering incorporation, resident director, Responsible Manager, AFSL application and AML remittance registration, and secured the licence in five months. We now provide ongoing legal and compliance support.
Fixed fee · No obligation
Immersve
Crypto Payments
Licensed, supported on an ongoing basis, and progressed toward Mastercard principal membership.
THE OUTCOME
AFSL
Granted & maintained
Mastercard
Principal membership work
AFSL APPLICATION • LEGAL • COMPLIANCE & REGULATION • RM RECRUITMENT
THE SITUATION
A global crypto-to-card payments business looking to establish operations in Australia and access card-scheme infrastructure.
WHAT THEY NEEDED
An AFSL, ongoing legal and regulatory support, and assistance securing Mastercard principal membership.
HOW WE HELPED
We obtained their AFSL and assisted them in accessing card-scheme infrastructure, including their Mastercard principal membership, at the outset. We now provide ongoing legal support, helping them navigate and comply with their local legal and regulatory requirements.
Fixed fee · No obligation
Interstellar Capital
Wholesale Property Fund
AFSL secured and disclosure documents built for wholesale property syndicates.
THE OUTCOME
AFSL
Granted for wholesale syndicates
Ongoing
Legal & compliance support
AFSL APPLICATION • LEGAL • COMPLIANCE & REGULATION
THE SITUATION
A wholesale property fund bringing property syndicates to its investors.
WHAT THEY NEEDED
An AFSL and compliant disclosure documents for wholesale property syndicates, backed by ongoing legal and compliance support.
HOW WE HELPED
We obtained their AFSL and established the disclosure documents required to offer wholesale property syndicates, and we provide ongoing legal and compliance support.
Fixed fee · No obligation
TESTIMONIALS
Rated 5-star by our clients
Book your free, no-obligation consultation
Have a related, no-pressure chat with one of our senior AFSL lawyers. You’ll walk away knowing exactly where you stand and what to do next.
Peter Hagias & team
WHY AFSL HOUSE
Why choose AFSL House?
Our point of difference is simple: we work exclusively with financial services companies, combining best-practice processes with full legal compliance.
Deep industry understanding
An intimate understanding of the issues financial services companies face, and how leaders in your industry address them.
Best practice + legal compliance
Solutions that marry best-practice processes with legally compliant strategies, so your business runs efficiently.
Broader perspective
We go beyond the narrow focus of traditional law firms or compliance providers to deliver holistic, practical solutions.
AFSL VIDEO SHORTS
AFSL, explained by our lawyers
Quick, plain-English answers to the questions we hear most, straight from the specialists who handle your licence.
Book your free, no-obligation consultation
Have a related, no-pressure chat with one of our senior AFSL lawyers. You’ll walk away knowing exactly where you stand and what to do next.
INSIGHTS LIBRARY
The latest news & insights
News, regulatory updates and analysis from our financial services lawyers, straight from the AFSL House desk.
Free 90-seconds Assessment
Not sure where you stand with your AFSL?
Answer a few quick questions and we’ll build you a personalised AFSL action plan, based on the very things ASIC will expect from you. It takes about 90 seconds.
- Takes under 2 minutes
- Tailored to your business type
- No cost, no obligation
FREE DOWNLOADS
Free & practical AFSL guides & checklists
Practical guides, roadmaps and checklists that make getting ready simple, written by the lawyers who do this every day.
THE DEAL
Obtaining an Australian Credit Licence
Understanding ACL applications
An ACL is mandatory for businesses providing credit services for personal, domestic or household purposes, or for residential investment property. Obtaining one is a complex process requiring detailed documentation and expert navigation.
Why expert guidance matters
The ACL process is intricate, with stringent ASIC requirements. Expert guidance ensures your application is complete, accurate and addresses every regulatory expectation, maximising approval and avoiding costly delays.
Why choose AFSL House
Our experienced team, led by top-tier lawyers and advisers, offers tailored support, hands-on documentation help and a proven track record of successful ACL applications, for a smooth licensing journey.
AFTER APPROVAL
Ongoing support & resources for your ACL
Obtaining your ACL is just the beginning. We provide ongoing support and resources to keep your program effective, compliant and aligned with evolving regulatory expectations.
Ongoing compliance guidance
Stay up to date with evolving credit regulations through expert guidance and proactive updates that maintain continuous compliance.
Compliance documentation templates
Streamline compliance administration with essential templates, documents and resources for efficient ACL compliance management.
Responsible Manager support
Expert support for Responsible Managers: RM suitability checks and ongoing assistance with RM obligations and ASIC requirements.
Expert advice hotline
Direct access to our expert team for legal and regulatory advice via a dedicated compliance hotline.
Book your free, no-obligation consultation
Have a related, no-pressure chat with one of our senior AFSL lawyers. You’ll walk away knowing exactly where you stand and what to do next.
WHY WE DO
Market-leading, comprehensive AFSL services
A comprehensive range of services tailored to financial services companies seeking an Australian Financial Services Licence and ongoing compliance support.
AFSL Applications
A 100% success rate in AFSL applications, helping clients obtain their licence in record time.
ACL Applications
End-to-end Australian Credit Licence applications for lenders, brokers and credit providers, prepared and lodged for you.
Compliance & Regulation
Tailored risk and compliance frameworks to ensure you comply with your AFSL obligations.
Legal Support
Specialised AFSL lawyers providing holistic legal services to AFSL holders & applicants.
AFSL Audits & Investigations
Comprehensive governance audits to avoid enforcement action and assist in ASIC & AUSTRAC investigations.
AFSL for Hire
Be appointed as a Corporate Authorised Representative under our AFSL to start operating quickly.
Marketplace for AFSL
Connecting AFSL holders and applicants with qualified Responsible Managers, with expert sourcing and placement handled for you.
AFSL Responsible Manager Recruitment
Connecting AFSL holders and applicants with qualified Responsible Managers. Expert RM sourcing and placement.
White-Label Services
Enabling legal and consulting firms to offer AFSL expertise under their own brand.
FAQ
Frequently asked questions
What is an Australian Credit Licence (ACL)?
An ACL is a legal requirement for businesses engaging in credit activities, such as lending or brokering. It ensures compliance with Australia’s credit laws under the National Consumer Credit Protection Act 2009 (Cth).
Do I need an ACL to operate my credit business?
Yes, you must hold an ACL unless you’re authorised to operate as a credit representative under someone else’s licence. Engaging in credit activities without a licence can lead to strict penalties.
How long does the ACL application process take?
The assessment of an ACL application by ASIC typically takes up to 150 days. This timeline may be extended for complex applications requiring additional review.
What documents do I need to apply for an ACL?
You’ll need to provide a business summary, background checks for responsible managers, and proof of professional indemnity insurance. These are critical to demonstrate compliance with ASIC’s regulatory requirements.
Can I start my credit business while waiting for an ACL approval?
No, you cannot engage in credit activities without a granted licence or being authorised under an existing licence. Doing so may result in severe legal consequences.
Why choose AFSL House for ACL application services?
AFSL House offers expert guidance to streamline your ACL application process, ensuring accuracy and compliance. Our experienced team helps you navigate complex requirements to secure your licence efficiently.