Port Macquarie mortgage & finance broker

Clear lending guidance, built around your goals and circumstances

Compass Lending & Finance helps homeowners, first home buyers, refinancers, investors and business owners make more confident lending decisions. Led by Michael Clarke, with practical guidance across home loans, refinancing, investment, SMSF and business lending.

Call Michael - 0400 030 556 Explore how we can help

Call Michael on 0400 030 556

A more personal way to approach lending

Personal guidance

You work directly with Michael, not a call centre or generic platform.

Broader lending options

Compare suitable options across lenders rather than relying on one bank.

Clear process

Understand what is required, what to expect and how each step works.

Long-term support

Review, refinance, restructure and plan ahead as your needs change.

Meet your broker

Meet Michael Clarke

An experienced local broker who takes the time to understand the full picture.

Compass Lending & Finance is led by Michael Clarke, a Port Macquarie-based mortgage and finance broker who works closely with clients through important lending decisions. His approach is personal, practical and considered — helping you understand your borrowing position, compare options, prepare the right documents and move through the process with clarity

For many clients, that relationship continues well beyond settlement, as Michael remains a trusted point of contact for loan reviews, refinancing and broader lending questions.

Good lending advice is not just about the rate. It is about understanding the client, the purpose of the loan, the structure, the timing and the long-term outcome.

How we help

How Compass Lending & Finance can help

Whether you are buying, refinancing, investing or looking for finance for your business, Compass helps you understand your options and approach the lending process with confidence.

Home Loans

Compare suitable home loan options, understand repayments, prepare your application and move through approval and settlement with clear guidance.

First Home Buyers

Understand borrowing power, deposit requirements, grants, lender options and the steps involved before you make a decision.

Refinancing

Review whether your current loan structure, rate, repayments and features still suit your circumstances before making a move.

Investment Property Loans

Consider borrowing capacity, loan structure, repayments and lender options for your property investment goals.

SMSF Lending

Understand SMSF property lending, lender requirements and the practical steps involved in general terms.

Business Lending

Explore finance options for cash flow, working capital, equipment, vehicles, commercial needs and business growth.

The Compass difference

What sets Compass apart

The difference is not just access to lenders. It is the way Michael works through the details, asks the right questions and helps clients make informed lending decisions.

1 Advice centred on your full situation

Every client has different income, goals, family needs, business considerations and future plans. Michael takes the time to understand the broader picture before discussing loan options.

2 Clear comparison beyond one bank

Going directly to one lender limits the conversation. Compass helps compare suitable options and explain the trade-offs in plain English.

3 Careful support through the paperwork

Lending decisions often depend on documents, timing, policy and presentation. Michael helps clients understand what is needed and how to approach the application process.

4 A relationship that continues

Many clients return to Michael over the years as their needs change. Compass is built on long-term relationships, not one-off transactions.

Start a conversation

Human guidance in an increasingly automated world

AI and automated systems are becoming part of more everyday decisions. Used well, they can make parts of the lending process faster and more efficient. But finance is personal, and technology cannot fully understand the goals, concerns and circumstances behind an application.

With Compass, you deal directly with Michael from the first conversation through to settlement and beyond. You can ask questions, work through the detail and know there is an experienced person keeping a close eye on each stage.

Where lenders, valuers, solicitors and other parties are involved, Michael acts as the central point of contact - following things up, resolving problems and helping bring the process back on track when delays or errors occur.

It is lending guidance delivered human to human - supported by technology where it adds value, but never replaced by it.

The process

A clearer path from first conversation to settlement

The lending process can feel complex, especially when there are multiple lenders, policy settings and documents involved. Compass keeps the process practical and easy to understand.

Understand

Michael learns about your goals, current situation, income, loan purpose and any timing or approval considerations.

Review

Your borrowing position, existing loan, lender options and key documents are reviewed carefully before recommendations.

Compare

Compass helps you compare suitable options, including structure, repayments, features, fees and lender requirements.

Apply

Michael helps prepare and lodge the application, then works through lender questions, conditions and settlement steps.

Support

The relationship does not end at settlement. Compass can help with future reviews, refinancing and changing needs.

Book a lending review

Local & connected

Local knowledge, broader lending options

At the same time, Compass is not limited to one bank or one type of borrower. Whether you are buying, refinancing, investing, self-employed, running a business or considering SMSF lending, Michael can help you understand the options and the practical steps ahead.

For many clients, that relationship continues well beyond settlement, as Michael remains a trusted point of contact for loan reviews, refinancing and broader lending questions.

Get in touch

Client stories

Trusted by clients over the long term

For many clients, working with Compass is not a one-time transaction. Michael has helped clients through first purchases, business needs, refinancing, home improvements and changing life stages.

We first met Michael in 2007 when he helped us arrange finance to purchase our first backhoe and start our business.

Since then, Michael has played an important role in helping us achieve our goals. He was instrumental in helping us purchase our first home and has continued to support us whenever our loans needed reviewing, refinancing, or when we needed to borrow additional funds for home improvements.

Beyond the financial side, Michael has always been a trusted source of advice and wisdom during uncertain times. His guidance, professionalism and willingness to help have made a real difference to our family over the years.

We are incredibly grateful for the support, knowledge and genuine care Michael has shown us throughout our journey, and we would highly recommend him to anyone looking for trusted financial guidance.

HK

Heather Kidd

3 June 2026

Read more client stories

Resources

Helpful tools and guidance before you make a decision

Good lending decisions start with clear information. Explore practical guides, articles and calculators, then speak with Michael for guidance specific to your circumstances.

Guides

Plain-English guides for buying, refinancing, investing and understanding the lending process.

Articles

Read current lending insights, market updates and practical advice from Compass Lending & Finance.

Calculators

Estimate repayments, borrowing power and loan scenarios before discussing your options.

Let's talk

Ready to talk through your lending options?

Whether you are buying, refinancing, investing or planning your next move, Compass Lending & Finance can help you understand your options and approach the process with confidence.

Call 0400 030 556

Or send an enquiry

General information only. Your personal objectives, financial situation and needs should be considered before making lending decisions.