Loan Market Ray & Narelle Clark

Loan Market Ray & Narelle Clark Welcome to Loan Market Ray & Narelle Clark

Professional, knowledgeable and approachable At anytime we are just a phone call away.

Servicing the Mid North Coast including Coffs Harbour, Dorrigo, Bellingen, Urunga, Nambucca Heads, Macksville, South West Rocks, Port Macquarie, Laurieton, Taree, Forster and surrounding areas. Our service to clients is personal, supporting you from first enquiry through to settlement and beyond, alleviating your stress and maximising your experience. We talk to Lenders daily to find you the hotte

st home loan specials and take a truly impartial view of hundreds of loans from over 30 lenders. And by doing all the leg work, such as completing paperwork, liaising with Solicitors and Real Estate agents we take the stress out of your home loan. Demonstrating the highest level of honesty and integrity, we deliver outstanding service ensuring a positive experience for you. We provide an ongoing commitment through timely reviews and a dedicated relationship making sure your home loan continues to work for you. We specialise in:

* Home loans
* First Home Buyers
* Refinance
* Construction loans
* Investment loans
* Debt consolidation
* Personal loans
* Asset Finance
* Commercial/Business loans
* Rural lending

Contact us for a FREE appointment. The opinions expressed here represent our own and not those of Loan Market.

It's not a one-size-fits-all solution but for the right person, combining multiple debts into one could mean lower inter...
29/05/2026

It's not a one-size-fits-all solution but for the right person, combining multiple debts into one could mean lower interest, simpler repayments, and more room in your monthly budget.
We've put together a quick, no-jargon guide covering:
✅ What debt consolidation actually means
✅ When it might be worth considering
✅ The traps to watch out for
✅ Why structure matters

And if you're thinking about consolidating your debts or just want to simplify your finances, reach out, we're here to help.

Read our quick guide for more https://broker.loanmarket.com.au/ray-narelle-clark/blog/a-quick-guide-to-debt-consolidation/

It might feel like just another chore, but staying on top of your due dates is actually one of the easiest ways to keep ...
15/05/2026

It might feel like just another chore, but staying on top of your due dates is actually one of the easiest ways to keep more money in your pocket. Here’s why your future self will thank you:

🚫 Zero late fees. Those $30–$50 penalties add up fast.

📉 Avoiding those compounding interest charges means you aren't paying extra for things you already bought.

Improve your credit score. Consistent payments are a major factor in your credit score. A better score can mean lower interest rates on future big wins like a car or a home. 🏠

🤸‍♀️ No "did I pay that?" anxiety. Just peace of mind and a clear headspace.

Remember, auto-pay is your best friend. Set it, forget it, and watch your savings grow instead of your debt.

How are you hitting your financial goals this month? 👇
https://bit.ly/2VJuPMh

The federal budget landed last night, and there's changes that could impact almost every Australian.Investors, homebuyer...
13/05/2026

The federal budget landed last night, and there's changes that could impact almost every Australian.
Investors, homebuyers, households, small business owners and drivers, the changes are wide ranging, and some of them kick in sooner than you'd expect.
We've broken down what's changing and what it means for you.
Read the full breakdown
https://broker.loanmarket.com.au/ray-narelle-clark/blog/federal-budget-2026/

The RBA has raised the cash rate to 4.35%, the third increase this year and the highest it's been in two years.If you're...
05/05/2026

The RBA has raised the cash rate to 4.35%, the third increase this year and the highest it's been in two years.

If you're on a variable rate mortgage, you're now paying around $335 more per month than you were at the start of the year. That's not a small number. And with the cost of living climbing across the board, groceries, energy, petrol and insurance are all adding up. Households are being squeezed from both ends.
The good news is that while you can't control what the RBA does, there are a few moves worth making right now. From checking whether your home loan is still competitive, to consolidating debts and cutting bills you've forgotten about, small changes can add up to real savings.

We've pulled together the key numbers from today's announcement and six practical steps you can take to find savings in the current environment.

👇 Read more in the link below
https://broker.loanmarket.com.au/ray-narelle-clark/blog/may-2026-cash-rate/

Need inspo for your next home refresh? This interior-style is all about mixing clean, vintage lines with cozy, handmade ...
30/04/2026

Need inspo for your next home refresh? This interior-style is all about mixing clean, vintage lines with cozy, handmade touches. Think of your living room as a mini art gallery where the furniture itself is the star of the show.
Often featuring a neutral colour palette of creams, tans, and taupes. This allows the shapes of the furniture to be the "pop" rather than colour.

The style works because it creates tension between industrial (chrome chair legs) and handmade (chunky ceramic vase).

All pieces from McMullin.

Whether you attended a Dawn Service or are spending a quiet day with family, we join you in remembering the courage and ...
24/04/2026

Whether you attended a Dawn Service or are spending a quiet day with family, we join you in remembering the courage and mateship of our Anzacs.

Lest we forget.

An offset account can be one of the most powerful tools in your mortgage toolkit. By keeping your spare cash in an accou...
23/04/2026

An offset account can be one of the most powerful tools in your mortgage toolkit. By keeping your spare cash in an account linked to your loan, the bank only charges you interest on the difference.

Use our Offset Calculator to see:
✅ How many years you could shave off your loan.
✅ Exactly how much interest you can save over time.

Stop letting your money sit idle. Let's run the numbers.
https://broker.loanmarket.com.au/ray-narelle-clark/calculators-tools/mortgage-offset-calculator/

https://bit.ly/2VJuPMh

The goalposts have moved, but the game isn't over. 🏠🏃‍♂️Even with support, rising property prices are currently moving f...
21/04/2026

The goalposts have moved, but the game isn't over. 🏠🏃‍♂️

Even with support, rising property prices are currently moving faster than many can save.

While these numbers look daunting, they assume a traditional 20% deposit. Many first-home buyers are getting into the market much sooner by purchasing a unit instead of a house, targeting more affordable suburbs or using government initiatives designed to help first-home buyers.

Read more on our website
https://broker.loanmarket.com.au/ray-narelle-clark/blog/how-long-it-now-takes-first-home-buyers-to-save-a-deposit/

We’ve all been there. The family dinner where you’re told to "just save more" or "stop buying coffee," while median hous...
13/04/2026

We’ve all been there. The family dinner where you’re told to "just save more" or "stop buying coffee," while median house prices in some cities just jumped $22,500 in a single month.

You don't need a lecture, you need a strategy. Whether it’s navigating low-deposit schemes or understanding your true borrowing power, we’re here to help you find your "Yes".
https://bit.ly/2VJuPMh

💰 April is Financial Literacy Month and serves as the perfect reminder that understanding how your loan works can be jus...
13/04/2026

💰 April is Financial Literacy Month and serves as the perfect reminder that understanding how your loan works can be just as powerful as getting a good rate.

A split loan gives you the certainty of fixed repayments on part of your loan, while keeping the door open on the rest. Smart structuring for an uncertain market.

The RBA has increased rates twice this year, but are there more to come? Nobody knows for sure. 👀

That's exactly where a split loan can work in your favour.

Not sure what ratio makes sense for you? That's where we come in. 👇
Drop a comment or send us a DM. Let's make sure your loan is set up to work hardest for you.

Address

10 Preston Drive
Macksville, NSW
2447

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61467684015

Website

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