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.
30 min · No pitch · Senior operator on the call
Engagement intake, currently open
$1M–$10M
Brokerage commission revenue. Owner-operator brokers, small brokerage groups, and credit-rep models.
2 weeks
Broker Tracking Audit. Diagnostic with written prioritised fix list.
4–6 weeks
Broker Profit Setup. 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
How we work with mortgage brokers
Fixed-scope engagements. Scoped to owner-operator and small brokerage groups.
Three engagement shapes that match where most $1M to $10M brokerages actually are. Each ends with a documented handover the operations manager runs afterwards. We scope and price the engagement on the audit call, once we have seen your numbers.
Tier 01 · Diagnostic
Broker Tracking Audit
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
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
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 warrant the full PROFIT framework engagement. We will flag this on the audit 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
Proof, with the working shown
We'd rather show you the maths than the buzzwords.
“Profit Geeks rebuilt our whole sales engine, and not just the ad accounts. They went after the systems sitting behind them too. Sales are up 140% and we've pushed past $25M. Honestly the bit I didn't see coming was the operation running leaner than it did back when we were half the size.”
“We were quietly bleeding about a thousand dollars a week and had no idea why. They found the leaks, sorted out the measurement and the offer, and now we'll do more than $10K in a single day. Same product. Completely different business.”
“We went from scraping together two installs a week to running four crews and fifteen-plus jobs a week, north of $10M turnover. The clever bit was they tied the scaling to what we could actually deliver, so growth never broke the operation. Booked jobs, not vanity leads.”
“After iOS, our Meta numbers stopped matching the bank, and we'd basically been writing the gap off as “just tracking.” Profit Geeks rebuilt our measurement server-side and reconciled it straight back to the P&L. Turned out about $1.42M of ad spend in year one had been working all along. They're the first team that showed me the maths instead of a dashboard.”
“We didn’t spend a dollar more on ads. What they did was fix how we counted a booked job versus a platform “conversion,” cut the wasted spend, and by week twelve our blended ROAS had more than tripled. Revenue went from $4.8M to $9.1M. Same senior bloke on every call too. No juniors, no relay race.”
Reasonable questions
What you're probably thinking.
01
We've been burned by an agency before.
Most of our intake has. The difference is structural. A senior operator runs your account, not a junior hidden behind a dashboard, and you leave the first call with written findings you own even if we never work together. No relay race, no account manager translating between you and the people doing the work.
02
How do I know it'll actually work for my business?
You don't yet, and neither do we until we've seen your numbers. That's why the first step is a diagnostic, not a contract. We've documented this in DTC and home services (the case studies show the full working) and run the same playbook in professional services. If the maths isn't there for you, we'll tell you on the call.
03
What if there's nothing worth fixing?
Then you've spent thirty minutes and walked away with a second opinion that cost you nothing. We'd rather say no than take on an engagement we can't earn, so we turn away intake that isn't a fit. There's no pitch and no follow-up sales sequence.
04
What does it cost, and what am I signing up for?
One quarterly engagement fee. No per-channel markup, no retainer fluff. The same senior operators handle measurement, media and margin, and scaling is tied to your contribution margin, so spend only climbs when the numbers say it's working. The call is where we scope what that looks like for you.
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 audit 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?
We don't publish a rate card. Engagements are fixed-scope and quoted in a written proposal after the audit call, once we've seen your numbers. There are three engagement shapes for brokerages (the two-week Broker Tracking Audit, the four-to-six-week Broker Profit Setup, and an optional quarterly review), and we tell you on the call which one fits and what it costs.
What happens after you book
Three steps. No mystery.
Step 01 · Within 48 hours
30-minute audit 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 deliverables, 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 audit 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 audit 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.