Marketing for Australian mortgage brokers · Owner-operator and brokerage groups
Mortgage broker marketing scored on settled loans, not enquiry forms.
Mortgage broker marketing has the longest paid-acquisition feedback loop in financial services. An enquiry today settles in 60 to 120 days. Most dashboards report cost per enquiry; the only number that actually pays is cost per settled loan. We connect the aggregator CRM (Mercury, AggregatorCRM, BrokerEngine) back to the ad platforms so the optimiser learns which campaigns produce loans that settle, not enquiries that never close.
Engagement intake, currently open
$1M–$10M
Brokerage commission revenue. Owner-operator brokers, small brokerage groups, and credit-rep models.
From $2,400
Broker Tracking Audit. Two-week diagnostic with written prioritised fix list.
From $6,800
Broker Profit Setup. Four to six weeks. Full measurement rebuild and CRM connection.
How we work mortgage brokers marketing
Four principles for mortgage broker marketing.
Principle 01
Settled loan, not enquiry submitted
An enquiry is months from a settlement. Settlement is the only conversion event that pays. We connect the aggregator CRM to the ad platforms with a 60-to-120-day attribution window so Google Ads optimises against the campaigns that produce settlements, not the ones that produce enquiries that go nowhere.
Principle 02
Loan-purpose mix matters
First home buyer, refinance, investment, commercial, construction, and self-employed loans all have different commissions, settlement rates, and acquisition costs. We segment campaigns by loan purpose and only scale the ones where the per-settlement commission clears the cost-of-acquisition by a sensible multiple.
Principle 03
Calls and the long tail
Most broker enquiries arrive by phone. Many sit in the CRM for 90 days while the borrower decides what to do. The measurement layer has to track the call at intake and the conversion 90 days later as a single attributable event. Most setups don't.
Principle 04
Trail commission changes the math
An owner-occupier loan settling today still pays trail commission in years three to five. The CAC math has to factor lifetime value, not just upfront commission. We model that with a clear assumption set and let the brokerage decide which settings hold.
Deliverables
What an engagement actually delivers.
01
Settled-loan conversion tracking: enquiry, appointment, application, approval-in-principle, formal approval, and settlement events all unified through the measurement layer.
02
Aggregator CRM connection (Mercury, AggregatorCRM, BrokerEngine, Salestrekker, Salesforce) with offline conversion uploads to Google Ads and Meta on a 60-to-120-day window.
03
Loan-purpose-level reporting: cost per settlement broken out by first-home-buyer, refinance, investment, commercial, construction. Campaigns that don't clear margin per loan purpose get killed.
04
Trail-commission-aware lifetime-value model so the CAC math reflects the full economics, not just upfront fee.
05
Call tracking with loan-purpose-of-interest capture so the receptionist or admin tags the call at intake. Conversion data flows back to ad platforms and the dashboard.
06
Google Business Profile diagnostic and fixes for offices that have a physical presence, for many brokers this is a top-three acquisition channel.
07
Reporting layer in Looker Studio that ties marketing spend to settlements (with a 60-to-120-day lag) and reconciles to the aggregator's settlement reports monthly.
08
Day-to-day Google Ads, Meta, and finance-directory media run by our senior operators against the rebuilt measurement. We optimise on settled loans, not enquiry volume. After handover, the operations manager operates the documented playbook.
Who this is for
- Australian mortgage broker firm, $1M to $10M annual commission revenue
- Spending at least $4,000 a month on Google Ads, Meta, or finance directories
- Aggregator CRM in place (Mercury, AggregatorCRM, BrokerEngine, Salestrekker, Salesforce, HubSpot)
- Admin or office manager who can capture loan-purpose at point of enquiry
- Principal broker who wants the work explained and the playbook handed back to operations
Who it isn't
- Solo broker pre-$1M still building a referral pipeline (the engagement is too expensive for the lift)
- Aggregator-led brokerage with internal marketing function (different shape of help required)
- Looking for content production or pure SEO retainer (we work alongside whoever does that)
- Want a permanent retainer with no defined end-date
- Unwilling to update intake processes to capture loan-purpose at point of call
Pricing for mortgage brokers
Fixed-scope. Written number up front. Sized for owner-operator and small brokerage groups.
Three engagements that match where most $1M to $10M brokerages actually are. Each ends with a documented handover the operations manager runs afterwards.
Tier 01 · Diagnostic
Broker Tracking Audit
$2,400 AUD
Two weeks. Read-only diagnostic across Google Ads, Meta, GBP, the aggregator CRM, and the intake call flow. Written report with a prioritised fix list, settled-loan attribution-loss quantification, and a 60-minute walk-through.
Tier 02 · Build
Broker Profit Setup
$6,800 AUD
Four to six weeks. Full measurement rebuild: aggregator CRM connection, offline conversion uploads on a 60-to-120-day window, call tracking with loan-purpose capture, GBP fixes, and a Looker Studio reporting layer that reports settlements by loan purpose. Documented handover to operations.
Tier 03 · Optional
Broker Quarterly Review
$580 AUD / qtr
90-minute quarterly check-in. We review the settled-loans-by-source report, flag drift, and write up the three fixes that will move the most commission revenue this quarter. Cancel anytime.
Larger brokerage groups ($10M+ commission revenue or multi-state operations) typically benefit from the full PROFIT framework engagement at a different price point. We will flag this on the strategy call.
Where to go next
Related work and the cities we run it from.
Related services
Google Ads consultancy →
Most broker enquiries come from high-intent Google search.
Lead generation →
Build the inbound machine across calls, forms, and referral partners.
Tracking audit →
Diagnose settlement-attribution loss in your current setup.
Conversion rate optimisation →
Lift enquiry-to-settlement rates with the in-house team.
Cities we work with brokerages in
Run your numbers
Frequently asked
Eight questions about marketing for mortgage brokers.
How is mortgage broker marketing different from regular financial-services marketing?
The settlement lag is 60 to 120 days from enquiry. Most ad platforms can't natively model that long a window. Loan-purpose economics differ wildly. And trail commission means the lifetime value of an owner-occupier settled in 2026 includes a stream of payments through 2031. The measurement work has to factor all of it.
What's the best paid channel for brokers?
High-intent Google search dominates for most loan purposes (refinance, first home buyer, self-employed). Meta works for brand-led brokerages and education-led campaigns. Finance directories (Mozo, Canstar, RateCity) produce volume but require careful cost-per-settlement scrutiny. The mix depends on loan-purpose focus; we model it together on the call.
What aggregator CRMs do you work with?
Mercury, AggregatorCRM, BrokerEngine, Salestrekker, Salesforce, and HubSpot are routine. If your brokerage is on something less common (Connective Mercury Nexus, Loan Market, AFG), we'll confirm on the strategy call whether a direct connection is feasible or whether a Zapier middle layer is required.
Do you handle the credit-licensing / NCCP compliance side of advertising?
We architect the measurement layer to capture the conversion events your brokerage cares about. The ad copy and creative compliance with NCCP and ASIC's regulatory guidance stays with whoever writes the ads (in-house, your existing agency, or compliance consultant). The measurement work doesn't conflict with the rules.
How much should our brokerage be spending on digital marketing?
Rough heuristic: established brokerages spend 8 to 15 percent of upfront commission on total marketing, with 60 to 80 percent going to digital. A $3M-commission brokerage is spending $240K to $450K a year on marketing, $144K to $360K on digital. Refinance-led brokerages typically run higher than purchase-led; established referral-based brokerages on the lower end.
What about referral partner marketing (accountants, financial planners)?
Referrals are usually the highest-quality channel for brokers and are typically under-instrumented. We build the referral-attribution layer alongside the paid measurement so your brokerage knows which referral partners actually produce settled loans and which produce noise.
Do you handle SEO and content production?
No. We architect the measurement and the paid spend allocation; SEO and content stay with whoever does that for your brokerage. The consultancy work pays off because in-house SEO and content effort can finally be measured against settled loans, not page sessions.
How much does this cost?
Broker Tracking Audit is $2,400 AUD (two-week diagnostic with a written report). Broker Profit Setup is $6,800 AUD (four to six-week measurement rebuild, aggregator CRM connection, GBP fixes, reporting layer). Broker Quarterly Review is an optional $580 per quarter. Written proposal with the fixed number after the strategy session.
What happens after you book
Three steps. No mystery.
Step 01 · Within 48 hours
30-minute strategy call
A senior operator on the call. We look at your real numbers, spend, revenue, attribution gap, and tell you on the call which engagement (if any) is the right fit. No pitch deck.
Step 02 · Within 1 week
Written proposal
Fixed scope, fixed number, written up. The proposal names the deliverables, the timeline, the people involved, and the price, no hourly billing, no retainer drift.
Step 03 · Within 2 weeks
Engagement starts
Senior operators on day one. Measurement rebuild begins, day-to-day media gets reassigned to our team, and the first set of working sessions lands. Inside two weeks of the strategy call.
Next step
Built for owner-operator brokers and brokerage groups. Measurement that finally reports settlements.
If your brokerage is paying for clicks but not seeing the settlements close at the rate the dashboards suggest, the next step is a 30-minute strategy call. Bring a quarter of marketing spend, a list of loan purposes with their average commission, and the aggregator CRM you use. We will tell you on the call which engagement (or none) is the right fit.