Mortgage Broker Google Ads Agency

Borrowers do not browse. They search, compare, and call the first broker who answers with a real number. We build Google Ads systems for mortgage brokers that turn high-intent searches into funded loans: purchase and refinance campaigns separated by intent, landing pages that pre-qualify before the call, and tracking that follows every click to the settlement table. One team owns your pipeline, from keyword to commission.

Mortgage advertising sits under strict compliance rules, and one careless rate claim can trigger regulatory trouble. Every ad, every landing page, every number is reviewed for compliance before it goes live, so your pipeline grows without putting your license at risk. We would rather slow a campaign than risk your business.

Most brokers cannot tell you which keyword produced their last funded loan. We track every click through to settlement: keyword to call, call to application, application to funding. Your weekly report shows cost per funded loan by campaign, so you know exactly where profitable volume comes from and where to scale.

✓ No shared leads, every enquiry is exclusively yours

✓ Purchase and refinance campaigns kept strictly separate

✓ Rate claims reviewed for compliance before any ad goes live

✓ Call tracking on every campaign, so you hear what converts

✓ Speed to lead built into the follow up system

✓ You own the ad account, the data, and the landing pages

✓ No long term lock in contracts

✓ First-time buyer campaigns with education-first landing pages

Get a Free Growth Audit

Tell us where to send it. We reply within one business day.

No spam, no pushy sales calls.

Team Owns Your Outcome

Campaign Tracks: Purchase and Refinance

Day Pilot, Measured Honestly

Plain-Language Reports a Year

THE PIPELINEPROBLEM

Most mortgage brokers do not have a lead problem. They have a lead quality and timing problem. Shared lead platforms sell the same borrower to five brokers, so the race is won by whoever dials fastest, not whoever advises best. Generic agencies run one blended campaign for purchase and refinance, mixing first home buyers with rate shoppers, and report on clicks while your loan book stays flat. Meanwhile, every week without exclusive, high-intent enquiries is another month of commissions you will never get back. Borrowers search with urgency: a rate hold expiring, a pre-approval needed before the weekend open house, a refinance window that closes when the central bank moves. If your ads, landing pages, and follow up are not built for that urgency, the borrower calls the broker who was.

Shared Leads Kill Margins

When five brokers buy the same lead, the winner is the fastest dialer, not the best adviser. We build systems that generate exclusive, inbound enquiries, so you stop competing on speed and start competing on advice.

Purchase and Refi Get Blurred

A first home buyer and a rate shopper are different borrowers with different questions. Blending them in one campaign wrecks your numbers. We separate the two tracks completely, with distinct keywords, ads, landing pages, and follow up.

Compliance Gets Ignored

Rate claims, fee language, and licensing disclosures are regulated in most markets. Sloppy ad copy creates risk you do not need. Every claim we publish is reviewed for compliance before it goes live.

GOOGLE ADSFOR MORTGAGE BROKERS

Google Ads is the highest intent channel a mortgage broker can buy, because the borrower is telling you exactly what they need in the search box. Someone typing a purchase related query is weeks from an offer. Someone typing a refinance query has a rate hold expiring. Our job is to make sure your ad is the one they click, your landing page answers their real question, and your follow up reaches them in minutes, not days. We structure accounts around borrower intent, not around generic best practice. Purchase campaigns target pre-approval and first home buyer searches with calculators and borrowing capacity tools. Refinance campaigns target rate comparison and break cost questions with honest, compliant messaging. Every campaign carries call tracking, every landing page pre-qualifies, and every report shows cost per enquiry, cost per application, and cost per funded loan. That is the full chain, and it is the only chain that matters to your revenue.

The Full Breakdown

Everything inside a SCORSH engagement. Click any item for the detail.

01How we structure your account+

We build two core tracks: purchase and refinance. Purchase covers pre-approval, first home buyer, and borrowing capacity searches. Refinance covers rate comparison, break costs, and fixed versus variable questions. Each track gets its own campaigns, ad groups, ad copy, landing pages, and negative keyword lists. Shared budgets and blended campaigns are where broker ad spend goes to die, so we keep the tracks financially and structurally separate from day one.

02What the landing pages do+

Every ad lands on a page built for one borrower type and one question. Purchase pages lead with borrowing capacity calculators and pre-approval explainers. Refinance pages lead with rate comparisons and break cost honesty. Each page pre-qualifies with two or three smart questions, so the enquiries that reach you are borrowers you can actually help. Pages load fast, work on mobile, and carry click to call prominently, because most borrowers search on their phones.

03How we handle compliance+

Mortgage advertising is regulated in most markets: rate claims, fee disclosures, and licensing details all have rules. We review every headline, description, and landing page claim against the relevant advertising standards before launch, and we re-check whenever you change products or pricing. We would rather run a slightly conservative ad that keeps you safe than an aggressive one that creates risk.

04How speed to lead works+

Mortgage enquiries decay fast. A borrower who hears nothing in an hour has already called someone else. We connect your forms and calls to instant notifications, set up automated first responses, and design the follow up sequence with your team. The goal is simple: every high-intent enquiry gets a human response in minutes, during business hours and after.

05What we track and report+

Weekly reports show spend, enquiries, cost per enquiry, applications started, and funded loans attributed to the campaigns. We use call tracking with recordings so you can hear which calls came from which keywords. Monthly, we review the full funnel with you: which searches produce applications, which produce settlements, and where the next budget should go. No vanity metrics, no jargon.

06How we think about budget+

We size the starting budget from your market: search volumes, competitor density, and average cost per click for your target keywords. Most brokers start with a test budget that buys enough data to make decisions in 30 days, then scale the winners. We never ask you to spend more than the data justifies, and we show you the math behind every increase.

07Do you also handle the follow up+

We build the follow up system with you: instant SMS and email confirmations, a call sequence for unanswered enquiries, and CRM stages that mirror your actual process from enquiry to application to settlement. We do not replace your team. We make sure no enquiry dies in an inbox.

08What makes broker campaigns different+

Three things. First, intent separation: purchase and refinance borrowers behave differently and must be campaigned differently. Second, compliance: rate and fee claims need review, always. Third, attribution to funding: the only metric that pays your bills is settled loans, so the whole system is built backwards from that number.

Purchase Campaigns

Pre-approval, first home buyer, and borrowing capacity searches, each with dedicated ads and landing pages that speak to buyers, not rate shoppers.

Refinance Campaigns

Rate comparison and break cost searches handled with honest, compliant messaging that earns the call instead of baiting it.

Pre-Qualifying Landing Pages

Two or three smart questions on every page, so the enquiries you receive are borrowers you can actually fund.

Call Tracking and Recording

Every campaign carries tracked numbers. You hear which keywords produce real conversations, and we optimize toward those.

SCORSH vs a Typical Generalist Agency

	SCORSH	Typical Agency
Industry structure	✔ Purchase and refinance run as separate tracks with separate budgets	✖ One blended campaign mixes every borrower type together
Lead exclusivity	✔ Every enquiry is yours alone, generated by your campaigns	✖ May rely on shared lead platforms or recycled lists
Compliance	✔ Rate and fee claims reviewed before anything goes live	✖ Copy written without regulatory review
Attribution	✔ Tracked from click to funded loan, with call recordings	✖ Reports stop at clicks and form fills
Landing pages	✔ Pre-qualifying pages built per borrower type	✖ Generic template pages or your homepage
Follow up	✔ Speed to lead system designed with your team	✖ No follow up process, enquiries decay in inboxes
Ownership	✔ You own the ad account, data, and pages	✖ Accounts and data held hostage by the agency

Our Clients

Real brands we have worked with across industries.

HOW THESYSTEM GETS BUILT

Intent Mapping

We map every keyword your borrowers actually search, grouped by purchase versus refinance intent and by urgency. This becomes the skeleton of the account.

Build and Compliance Check

Campaigns, ads, and landing pages are built, then every claim is reviewed for compliance before anything goes live.

Launch and Speed to Lead

Campaigns go live with call tracking and instant notifications wired in, so your team responds to high-intent enquiries in minutes.

Optimize Toward Funded Loans

We cut what does not produce applications, scale what does, and report the full chain from click to settlement every week.

THE FULLFUNNEL, END TO END

A mortgage Google Ads engagement with us covers the entire chain, because a chain with a weak link is just an expensive lesson. It starts with keyword research mapped to borrower intent: purchase, refinance, and the long tail of specific questions borrowers ask before they trust a broker. Then the account build: campaigns separated by intent, ad groups tight enough that every ad matches its keywords, and negative keyword lists that block the tyre kickers, job seekers, and researchers who burn broker budgets. Then the landing pages: one per borrower type, each with a clear promise, a pre-qualifying question set, social proof that is real, and a call to action a busy borrower will actually use. Then tracking: call tracking numbers on every campaign, form submissions tagged by source, and CRM integration so enquiries carry their keyword history into your pipeline. Then the follow up system: instant confirmations, a call cadence for unanswered enquiries, and pipeline stages your team will actually update. Then the weekly rhythm: spend review, search term review, bid adjustments, ad tests, and landing page tests. And every month, a proper business review: cost per enquiry, cost per application, cost per funded loan, and a plan for where the next dollar goes. Nothing in the system exists for its own sake. Everything exists to produce funded loans at a cost that makes your business grow.

Map the intent

Every keyword your borrowers search, grouped by purchase versus refinance and ranked by urgency, becomes the account skeleton.

Build the assets

Campaigns, compliant ad copy, and pre-qualifying landing pages, each matched to one borrower type and one question.

Wire the tracking

Call tracking, form tagging, and CRM integration, so every enquiry carries its keyword history into your pipeline.

Run the weekly rhythm

Search terms, bids, ad tests, and landing page tests reviewed every week, with budget flowing to what funds loans.

A note on expectations

Google Ads for mortgage brokers is not a slot machine. The first 30 days buy data: which keywords produce enquiries, which enquiries become applications, and what a funded loan actually costs you. Months two and three are where the system compounds, as losers get cut and winners get budget. Any agency promising instant, cheap, exclusive borrower leads in week one is selling you something that does not exist. We would rather show you the real math in the first month than a fantasy that collapses in the third.

Who This Is For

If you recognize yourself here, we will probably work well together.

Solo Brokers

You are the marketing department, the adviser, and the closer. You need a system that generates exclusive enquiries without eating your week.

Growing Brokerages

You have loan writers who need feeding. You need predictable enquiry volume with quality controls, so your team closes instead of chases.

Refinance Specialists

Rate environments create windows. You need campaigns that can spin up fast, speak honestly about rates, and capture the window.

Purchase-Focused Teams

First home buyers need education and trust. You need content-rich landing pages and follow up that nurtures, not just captures.

Where This Works

Different borrower types need different playbooks.

Residential Purchase

First home buyers, upgraders, and investors, each with dedicated campaigns and landing pages that answer their actual questions.

Refinance

Rate-driven borrowers handled with compliant, honest messaging and break cost calculators that earn the conversation.

Construction Lending

Longer cycles and staged drawdowns need nurturing sequences, not just lead forms. We build for the full timeline.

Commercial Mortgages

Bigger deals, fewer searches, higher stakes. Campaigns built around expertise signals and direct advisor contact.

How Our Pricing Works

No shelf packages. No hidden percentages. Just honest math.

Audit First

We start by auditing your market, your competitors, and any existing campaigns, then show you the real math before you spend a dollar.

Test Budget

A starting budget sized to buy decisions in 30 days, not to impress anyone. Enough data to know what works.

Scale Winners

Budget flows to the campaigns and keywords that produce applications and funded loans. Losers get cut monthly.

Honest Reporting

Weekly numbers in plain language: spend, enquiries, cost per application, cost per funded loan. No vanity metrics.

Get a Custom Quote

Your First 90 Days

Exactly what happens, week by week. No mystery, no black box.

Days 1-14

Intent mapping and account build

Keyword research, campaign structure, compliant ad copy, and landing pages built and reviewed with you.

Days 15-30

Launch and first data

Campaigns go live with tracking wired in. First enquiries arrive, and we start the search term and bid rhythm.

Days 31-60

Cut and focus

Losers get cut, winners get budget. Landing page tests begin. Cost per enquiry starts its downward trend.

Days 61-90

Scale toward funding

The account now buys funded loans at a known cost. We plan the next scale step with real numbers, not guesses.

Start With a Free Audit

Five Checks Before You Hire Any Mortgage Ads Agency

Five checks before you sign anything, with anyone.

Ask how they separate purchase from refinance

If the answer is vague, your budget will fund a blended mess. Demand separate tracks with separate budgets.

Ask what a funded loan costs

Any agency that cannot talk about cost per funded loan is optimizing for the wrong number. Clicks do not pay commissions.

Ask who owns the account

If you cannot walk away with your account, data, and landing pages, you are renting your own pipeline. Own everything.

Ask about compliance review

Rate claims and fee language are regulated. Ask exactly who reviews copy and how often. Silence is a red flag.

Ask about speed to lead

Enquiries decay in hours. Ask what happens between the form fill and your first call, in minutes. Then test it.

QUESTIONSMORTGAGE BROKER GOOGLE ADS, ANSWERED

What does a mortgage broker Google Ads agency do?

It builds and manages Google Ads campaigns specifically for mortgage brokers: keyword research around borrower intent, purchase and refinance campaign structures, compliant ad copy, pre-qualifying landing pages, call tracking, and reporting tied to applications and funded loans. The difference from a generalist agency is the industry structure: intent separation, compliance review, and attribution to settlements.

How much should a mortgage broker spend on Google Ads?

It depends on your market, competitor density, and average commission per funded loan. Most brokers start with a test budget that buys enough data to make decisions in 30 days. The right budget is the one where cost per funded loan leaves you a healthy margin, and we show you that math before you scale.

How fast will I see results?

Campaigns typically go live within two weeks of kickoff, and enquiries usually start in the first month. The first 30 days buy data. Months two and three are where cost per enquiry drops and the system compounds. Anyone promising instant cheap leads in week one is not being straight with you.

Are the leads exclusive to me?

Yes. We build campaigns that generate inbound enquiries directly to you. No shared lead platforms, no recycled lists, no selling the same borrower to five brokers. Exclusivity is the whole point of running your own ads.

How do you handle advertising compliance?

Every rate claim, fee mention, and licensing disclosure is reviewed against the relevant advertising standards before launch, and re-checked whenever products or pricing change. We keep copy conservative where the rules demand it, because one complaint costs more than any clever headline is worth.

Do you separate purchase and refinance campaigns?

Always. They are different borrowers with different questions, different urgency, and different economics. Blending them is the most common reason broker campaigns underperform. Each track gets its own campaigns, budgets, ads, and landing pages.

What is speed to lead and why does it matter?

It is the time between an enquiry arriving and your first human response. Mortgage enquiries decay extremely fast, because the borrower is actively shopping. We wire instant notifications and automated first responses, and design a call cadence with your team so high-intent enquiries get answered in minutes.

Can you track which keywords produce funded loans?

Yes, that is the core of the reporting. Call tracking ties calls to keywords, form submissions carry source tags into your CRM, and pipeline stages let us attribute funded loans back to the searches that started them. You see cost per enquiry, cost per application, and cost per funded loan.

Do I need new landing pages?

Almost always, yes. Your homepage is not a landing page. Each borrower type needs a page that answers their one question, pre-qualifies with two or three smart questions, and makes calling frictionless. We build these as part of the engagement, and you own them.

What if I already run Google Ads?

We audit the existing account first: structure, search terms, wasted spend, tracking gaps, and landing page quality. Most broker accounts we audit are losing 20 to 40 percent of budget to irrelevant searches and blended campaigns. The audit shows you exactly where, before you spend another dollar with us.

Do you work with solo brokers or teams?

Both. Solo brokers get a system that generates enquiries without eating their week. Teams get volume with quality controls and pipeline reporting their managers can actually use. The structure scales, the principles do not change.

Can I leave and keep everything?

Yes. You own the ad account, the campaigns, the landing pages, the call tracking data, and the CRM integration. No lock in contracts, no hostage data. If we do our job well, you stay because the numbers work, not because leaving is painful.

Want marketing that reports revenue? Start with a growth audit.

Your Next Funded Loan Is Searching Right Now

Every day without a proper system is a day your competitors answer the borrower first. Get a free audit of your market, your competitors, and what a funded loan should cost you.

Built for Brokers Who Measure Everything

We do not publish client names or numbers without permission, and we never invent results. What we can show you is the system: the account structure, the tracking, and the reporting, before you spend a dollar.

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