Meet Michael Clarke: Port Macquarie Broker Since 2003

Quick Answer: Michael Clarke runs Compass Lending & Finance in Port Macquarie, NSW. He has worked in banking, lending and finance since 1979 and as a mortgage and finance broker since 2003. He helps home buyers, refinancers, investors, self-employed borrowers and business owners across the Mid North Coast and Australia-wide. We list him on our Brokers we work with page because he takes the time to explain a client's position honestly before recommending anything.

We don't write loans. Once we've finished reviewing a client's credit file, the next question is nearly always the same: "Who can help me with finance now?" For clients on the Mid North Coast of New South Wales, one of the brokers we point them to is Michael Clarke.

More than 45 years in banking and lending

Michael started his career in mainstream banking in 1979. He spent many years as a business banker on the Mid North Coast, working with small and medium businesses across a wide range of industries. That gave him a practical understanding of how lenders read cash flow, business structures and financial statements.

In 2003 he moved into mortgage and finance broking. He has been a member of the Mortgage and Finance Association of Australia (MFAA) since 2003, and was a finalist in the MFAA Commercial Loan Writer awards in 2006.

An honest, plain-English approach

What stands out about Michael is the way he works. Before he recommends anything, he looks at the full picture: your goals, income, commitments, documents and plans. He explains how much you may be able to borrow, what affects that, and where an application is strong or needs more careful preparation.

His background in credit assessment means he can spot a weakness in an application early, rather than after a lender has declined it. For clients who have just been through a credit file review, that honesty matters. You want a broker who tells you where you really stand, not one who rushes an application in.

Michael has built Compass Lending & Finance around long-term relationships rather than one-off transactions. You deal with him directly, from the first conversation through to settlement and beyond. His clients describe him as professional, trusted, personal and warm, and able to explain the lending process in plain language.

Who Michael helps

Compass Lending & Finance works with:

• First home buyers and home buyers
• Homeowners reviewing or refinancing their loan
• Property investors
• Self-employed borrowers and small business owners
• Commercial lending and SMSF borrowers
• Clients with more complex income, structures or paperwork

He is based in the Port Macquarie–Hastings region and works with clients locally and Australia-wide, including home visits and after-hours meetings when needed.

How to contact Michael

• Compass Lending & Finance, Port Macquarie NSW
• Phone: 0400 030 556
• Website: compasslending.com.au
• Authorised Credit Representative No. 560965 under AFG Australian Credit Licence No. 389087

You can check any broker's credit representative number on the ASIC professional registers.

Something on your credit file holding you back?

If a default, late payment or credit enquiry is getting in the way of a loan, we can review your credit file for free and tell you honestly whether there are grounds to dispute it. Accurate, properly reported information may stay on your file, and we'll say so. Start with a free credit assessment, or see all the brokers we work with on our partner brokers page.

Michael Clarke and Compass Lending & Finance are independent of Australian Credit Solutions and are responsible for their own advice. This article is general information only.