ASIC Register Lists Nicole Gray Among Banora Point Credit Representatives

By Nicole Gray

Nicole Gray appears on the ASIC Credit Representative Register as an active credit representative based in Banora Point, NSW, in the 2486 postcode. The listing, surfaced through Decision Lab's…

Nicole Gray appears on the ASIC Credit Representative Register as an active credit representative based in Banora Point, NSW, in the 2486 postcode. The listing, surfaced through Decision Lab's directory of credit representatives, records her individual credit representative registration number as 517282 and confirms her active status in the local area.

The register also records the business through which Nicole operates. Calmflow Finance Pty Ltd holds credit representative number 576694 under a licence agreement from Zuu Money Pty Ltd, which carries ABN 66 670 119 105 and Australian Credit Licence Number 567690. Both Calmflow Finance and Nicole are listed as active registered credit representatives in Banora Point, with registrations dated 2026 that point to a newly established business.

The entry places Nicole within the regulated framework that governs mortgage broking in Australia, where credit representatives operate under the authorisation of a licence holder. Her position as the principal behind Calmflow Finance sits alongside her title of Principal Finance Specialist on the Zuu Money broker directory.

Nicole focuses her work on first-home buyers, self-employed clients, growing families and property investors. Through her broker profile, she describes bringing a calm, steady approach that breaks down the lending process clearly for the people she works with. That focus, paired with a formal place on the national register, marks the foundation of a practice she is building in the Banora Point community.