Rated excellent on Google
Australian Financial Service Licence (AFSL) For Hire
Launch your business under ourAFSL
Leverage our licence to operate as a Corporate Authorised Representative and focus on your core business, live within weeks.
- Hire an AFSL effortlessly
- Swift Authorised Representative setup
- Get to market within weeks
- Skip your own AFSL application & upkeep
FREE · NO OBLIGATION · QUICK REPLY
Ready to hire an AFSL?
Confidential. We never share your details.
Trusted by industry leaders
300+ AFSL holders · excellent on Google
HOW WE DO IT
Become an Authorised Representative & start trading within weeks
Watch how AFSL House appoints your business as a Corporate Authorised Representative under our licence, so you can go to market fast, without the cost and complexity of your own AFSL.
BY THE NUMBERS
AFSL for hire, by the numbers
SERVICE LINE
AFSL for Hire (CAR)
Operate immediately as a Corporate Authorised Representative under our AFSL.
Licence to operate under
Authorised Representatives supported
INDUSTRIES WE SERVE
Advisers
Authorised Reps
Fintech Startups
Payments
HOW IT WORKS
Our 4-step process to operating under our AFSL
A structured approach that makes your appointment as our Corporate Authorised Representative smooth and quick, from consultation to ongoing support.
1
Consultation & needs assessment
A complimentary consultation to understand your business model, your eligibility to operate as a CAR, and the costs and steps to commence.
2
CAR authorisation
If eligible, we formalise the relationship, finalise the scope of your authorised activities, and enter into a transparent CAR agreement.
3
Disclosure documents
We prepare or review your IM/PDS, FSG, TMD and T&Cs, and induct your staff on the CAR authorisation and compliance requirements.
4
Supervision & support
Once operational, we provide ongoing compliance monitoring, training and support so you stay compliant under our AFSL.
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 specialise in working exclusively with financial services companies, offering solutions that combine 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
Launch faster and stay compliant under our AFSL
Authorisation, fast-tracked
Get to market quickly as a CAR under our licence. Avoid delays and start offering financial services sooner, backed by a team that knows exactly what ASIC expects.
Fixed fee & fully transparent
Simple, fixed pricing with no hidden surprises. Onboarding, compliance support and ongoing monitoring are all included, for full budget certainty from the start.
Experienced, trusted & regulator-ready
We’ve helped over 300 clients launch and grow under our AFSL or secure their own, with deep experience in licensing, regulatory liaison and compliance.
AFTER APPROVAL
Ongoing support & resources for your AFSL for hire
Operating under an AFSL for hire arrangement requires continuous adherence to compliance obligations. We provide comprehensive ongoing support so you can focus on your core business with confidence.
Compliance systems & policies
We design and help implement compliance systems, policies and procedures suited to your business and your specific CAR mandate.
Risk management & monitoring
We help implement and maintain effective compliance and risk management systems, including AI-powered monitoring where appropriate.
Reviews & ASIC liaison
Regular reviews, audit preparation, regulatory updates, and a point of contact for ASIC liaison on your authorised activities.
Staff training
Comprehensive training for your team on the regulatory requirements applicable to Authorised Representatives, keeping your staff competent.
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 Financial Service Licence for hire and how does it work for an authorised representative?
An AFSL for hire allows your business to provide financial services and deal in financial products by operating as a CAR under an existing AFSL holder’s AFSL, instead of obtaining your own. This arrangement means you are authorised to carry on a financial services business under the supervision and licence of the AFSL holder. It provides a pathway to market for those who want to provide financial services without the full burden of holding their own AFSL.
How do I find a suitable Australian Financial Service Licence holder to hire their licence for my financial service?
Finding a suitable AFSL holder to hire their licence for your financial service can be achieved through industry contacts, referrals from financial services professionals, or by searching ASIC’s public registers for AFSL holders who may appoint CARs. Alternatively, AFSL House directly offers its own Australian Financial Services Licence for hire. This allows you to operate as a CAR under our established licence, providing a streamlined pathway that aligns with your business needs and the financial products you intend to offer.
Who can become an authorised representative under an Australian Financial Service Licence for hire arrangement for wholesale clients?
Entities that satisfy an AFSL holder’s specific requirements for competence, robust compliance procedures, and suitable business operations can become ARs. These arrangements typically focus on serving wholesale clients, fund managers, and those offering particular financial product types. The AFSL licensee will assess your capacity to meet these standards before granting authorisation.
Can Australian Financial Service Licence for hire arrangements help with faster market entry for funds management?
Yes, AFSL for hire arrangements can significantly accelerate market entry for funds management operations. Operating under an existing AFSL holder’s licence typically reduces the time and upfront costs associated with applying for and obtaining a new AFSL. This is particularly beneficial for boutique funds management seeking to commence business operations or for investment managers focused on raising capital quickly.
What are the compliance responsibilities for a business using Australian Financial Service Licence for hire?
A business using an AFSL for hire must strictly adhere to the compliance framework established by the AFSL holder. This includes responsibilities such as ongoing monitoring of its financial service provision, regular reporting to ASIC as required, and consistently maintaining the necessary competence and training in relation to its authorisation. Compliance with these obligations is crucial for the AFSL licensee to meet their regulatory requirements.
What are the risks of using an Australian Financial Service Licence for hire or trustee services?
Using an AFSL for hire or trustee services involves certain risks, such as potentially reduced control over your business activities and a dependence on the AFSL holder’s ongoing compliance, competence, and reputation. There might also be higher ongoing operational costs compared to holding your own licence. It is crucial to partner with an AFSL holder that demonstrates strong risk management and compliance and governance systems.
What types of financial products can be offered under an Australian Financial Service Licence for hire authorisation?
The types of financial products that can be offered under an AFSL for hire authorisation depend on the specific authorisations held by the AFSL holder’s licence. Typically, these arrangements cater to wholesale financial products, funds management services, intermediary services, and the provision of general advice to wholesale clients. The scope of your authorisation will be clearly defined in your agreement with the AFSL licensee.
What is the difference between an AFSL and an AFS Licence?
There is no difference between an AFSL and an AFS Licence; they both refer to the exact same regulatory authorisation. ‘AFS Licence’ is the full, formal name, standing for Australian Financial Services Licence. ‘AFSL’ is simply the commonly used acronym for this same licence. This licence is issued by the Australian Securities and Investments Commission (ASIC) and is required for businesses or individuals who provide financial services or financial products in Australia.