Google Ads.
Google Ads that catch the borrower the moment they decide.
Run by a working broker, read in settlements rather than clicks. The campaign points at a page built to convert, and the monthly report starts with what settled.
Google Ads management for mortgage brokers is the work of putting your business in front of borrowers at the moment they search, and getting them to a page that can convert. It covers the account, the tracking, the landing page, the copy your aggregator approves, and the weekly read that keeps the spend honest.
Start here.
The reason it isn't working
Most brokers who have tried Google Ads have tried them once, spent a few thousand dollars, and stopped. Almost always for one of these four reasons, and none of them is that Google Ads do not work for brokers.
You are bidding head terms against the banks
Mortgage broker and home loan are the most expensive words in the auction, and the other bidders are the banks, the comparison sites and the big aggregator brands. They can pay more for that click than the loan behind it is worth to you, because they are buying a customer for twenty years of products, not one settlement. Bid the same words on a broker budget and you buy the leftovers at the top price.
The landing page is a template homepage
The ad does its job. The click lands on a homepage that opens with the broker, not with the situation the borrower just typed into Google. Nothing on the page names their problem, the calculator is an embedded widget that gives nothing back, and the form wants a phone number before it has earned one. The click was fine. The page lost it.
The tracking counts button taps as leads
Most broker accounts count a tap on the phone number, a click through to a calendar and a form being opened as conversions, then optimise to whichever is cheapest. Google is very good at buying more of exactly what you asked for. Ask for taps and you will get taps, at a lovely cost per tap, from people who never spoke to you.
No settlement data ever goes back into the account
The account knows which click became an enquiry. It almost never learns which enquiry became a settlement, because nobody sends the outcome back from the CRM. Without that, every optimisation decision gets made at the wrong end of the funnel, and the campaign that fills the inbox beats the campaign that fills the book.
Sourced, not claimed.
What we measured before we sold anything
85 percent
of page one broker sites never mention the Best Interests Duty
78 percent
never explain how the broker is paid
20 percent
had no privacy policy we could find
Source: The State of Australian Broker Websites 2026. 54 broker websites ranking on page one of Google, measured September 2026. Read the study, method and data.
A campaign pointed at a site like that burns money faster. Paid traffic does not repair a page that cannot convert; it just buys more people to lose in front of it.
And our own record, since you should ask
4
brokerage builds live, plus one concept build
94 to 98
Google PageSpeed on those five sites, mobile
5.0
on Google, from 3 reviews
Scores measured on Google PageSpeed Insights, mobile, August and September 2026, and published per site on the examples page, where the reviews are attributed and dated too. There are no Google Ads results here yet because there are none to show: the service is new, and a number I cannot evidence is a number I will not print.
The work itself.
Four steps. No agency speak.
Audit first, on your real account
Before anything is built I read the account you already have, read only, alongside the page the ads point at. That is where the money is actually going: the search terms you are paying for, what is being counted as a conversion, which pages convert and which quietly do not. You get the read whether or not you go ahead with anything.
Fix the tracking and the landing page
Conversions get rebuilt so an enquiry can be traced back to the search that started it, and the page the ad lands on gets fixed or rebuilt before the spend goes up. There is no sense buying more traffic for a page that leaks. On plenty of accounts this step is most of the job.
Build and launch on approved copy
Campaigns get structured around the borrowers you actually want, not around whatever has the most search volume. Every headline and description goes to your aggregator's compliance team before it runs, and the account only ever runs copy that has come back approved. Google's Financial Services Verification is done in the same week.
Read weekly, report in settlements
Every week: search terms, negatives, what converted and what did not. Every month a report that starts with enquiries and settlements rather than impressions and clicks. If the number that matters is not moving, you hear it from me before you have to ask.
Aims, not promises.
What we build toward
These are aims. Nobody can guarantee a settlement, or a lead, or a cost, and anyone who does is selling you the one thing they cannot deliver.
Enquiries from the borrowers you actually want
Campaigns aimed at the loan types you write and enjoy writing, so what arrives in the inbox looks like your book rather than whatever happened to be cheapest that week.
Spend that stops leaking to searches that never settle
Search terms that produce nothing get cut every week. The aim is a shorter list of terms that do the work, not a longer one that looks busy.
Your own brand and your own data
The account is in your name, the conversion history is yours and the brand searches it builds are yours. Rented leads from a portal stop the day the invoice does, and they leave nothing behind.
One number you can read: cost per settled loan
Not clicks, not impressions, not cost per lead. One number in the language your profit and loss already speaks, so you can decide about the spend the way you decide about everything else.
The part agencies get wrong.
The compliance difference
Copy goes to your compliance team before it runs
Every headline, description, extension and landing page block goes to your aggregator's compliance team in the format they review, before anything is switched on. The account only ever runs copy that has come back approved. If something gets marked up, it is rewritten and goes back.
Every headline is written to the credit advertising rules
No best rate. No guaranteed anything. No 'no credit check'. No interest rate anywhere without a comparison rate beside it. You already work inside those rules every day; the ads work inside them too, which is also why they get approved faster.
Verification and the licensing block are handled first
Google asks advertisers promoting financial services in Australia to complete its Financial Services Verification before those ads can run. That, and the licensing and disclosure block on the landing page, are both done before the first dollar goes through the account.
Your compliance team has the final say on every line, and the account is built so that saying yes is quick.
On the page, like everything else.
Fees
The website prices are published, so the ads prices are too. One flat fee for every account and a percentage of the spend, so the fee grows only when the account does. Ad spend is billed by Google to your own card and never passes through us.
Setup, once.
$795
ex GST. Waived when WeCompound built the website, because the tracking and the landing page are already done.
Management, monthly.
$495
ex GST, every account, no tiers.
Plus, of ad spend.
15 percent
Of what you spend with Google that month. Spend $3,000, and the month is $945 ex GST all in.
What setup covers
- Strategy and account structure, built around the loans you want
- Conversion tracking rebuilt end to end, so an enquiry traces back to a search
- Keyword and search term research for your area and your niches
- The full build: campaigns, ad groups, ads and extensions
- Pre-approval of every line of copy with your aggregator
- A check of the landing page before anything is switched on
What management covers
- A weekly read of the account, not a monthly glance
- Negatives and search term review every week
- Split tests on ads and on the landing page
- A monthly report that starts with enquiries and settlements
- Run by the same person who sold it to you
- No lock-in contract. A 90 day first read, because that is a settlement cycle, then month to month with 30 days notice.
- Ad spend is billed by Google to your own card. It never passes through WeCompound and is never marked up.
- The account stays in your name. Leave, and it goes with you.
- The audit is complimentary, always, at every spend level.
Launch pricing for the first 5 accounts, held for as long as they stay. The percentage is the honest shape for both of us, and the report that starts with settlements is why it never becomes a reason to push your budget up.
Do the sums yourself.
What one settlement is worth to you
Before anyone talks about budgets, this is the arithmetic that sets the ceiling. Put your own loan sizes and your own commission rates in, and you get the number an enquiry can be worth to you before the upfront alone stops covering it.
One settlement, upfront commission
Trail, first year
$900
Three year total, flat balance
$6,600
Enquiries for one settlement
5 to 10
Genuine enquiries, at the modelled settlement rate for refinance.
Break even, per enquiry
$390 to $780
What an enquiry can cost before the upfront alone stops covering it. Trail is on top of that, and it is the part that compounds.
Of the loan amount, as your agreement pays it.
A year, on the outstanding balance.
At $1,000 to $3,000 a month, the question is not what a click costs. It is whether the account can produce 5 to 10 genuine enquiries for each settlement you want, and whether the page they land on can convert them.
A model, not a measurement. Indicative figures from a working broker's book; your commission agreement and conversion rates will differ.
How this is calculated
Upfront is the loan size times your upfront rate. Trail is the loan size times your trail rate, and the three year total adds three years of that trail on a flat balance, which no real loan has. Nothing is discounted, no clawback is modelled and no offset balance is assumed.
The enquiry range comes from a modelled settlement rate for the loan type you picked: of every hundred genuine enquiries, some settle and most do not. Invert that and you get how many enquiries one settlement takes. Break even per enquiry is the upfront divided across that many enquiries, shown at both ends of the range, because the rate behind it is modelled rather than measured.
What is deliberately absent: no cost per click, no projected number of settlements, and no return figure. WeCompound has no measured Google Ads results for brokers yet. When there are some, they will be published with a date and a method, the way the website study was.
Pick your lane.
Google Ads by broker type
Borrowers do not search for a mortgage broker. They search their own situation, and the campaign that wins is the one written for it.
We do it all.
Not on the list? Still ours.
Those are the first pages, not the fence. We write for every lane a broker markets as: construction, guarantor, medico and professional, expat and non-resident, rural and regional, reverse mortgage, bridging, car finance, business loan, development finance, invoice and trade finance. And the site the campaign lands on is built under the same roof, by the same hands.
Common questions.
Google Ads for brokers, answered
Enquiries in weeks, settlements in months. Ads can produce a phone call in the first week they run, but the rest is the timeline your pipeline already runs on: an enquiry becomes an appointment, then an application, then a settlement, on lender time rather than ad time. The first useful read on an account is once there are enough search terms to cut. The first read in settlements is a quarter after that. Anyone naming a date for a settled loan is guessing.
Start where the money already is.
The complimentary Google Ads audit
Read only access to the account you already run, plus the page it points at. You get the read either way, and no follow up unless you want one.
One more thing.
Start with what you already have.
Two complimentary audits, both read by a working broker rather than generated and sent. One looks at the account spending your money. One looks at the site the clicks land on. Take either, take both, or skip straight to the start form if you already know.