Mortgage and financial services are some of the most expensive categories in paid search. Clicks cost more, competition is intense, and both Google and Meta apply extra policy rules to credit and financial ads. That makes precise campaign management the difference between a profitable lead channel and an expensive one.
For one financial client, TheAmpify ran Google Ads, Microsoft Ads and Meta Ads together. By tightening targeting and rebuilding ad creative, we reduced the average cost per lead from $120 to $45 – a 62% drop – and achieved an 80% increase in qualified monthly mortgage leads across platforms.
What makes financial advertising hard
Credit and financial ad policies
In the USA and Canada, credit ads on Meta run in the Financial Products and Services special ad category (no age, gender or postal-code targeting, minimum 15-mile radius, no lookalikes). Google restricts demographic and postal-code targeting for credit ads in both countries. Campaigns must be built around these rules.
High cost per click
Searches like "mortgage broker" or "refinance" are among the most competitive in any market. Wasted clicks add up fast.
Lead quality and compliance
Rate-shoppers and unqualified applicants cost your team time. Ad copy also has to stay accurate and within advertising and regulatory guidelines.
Timing
Mortgage demand moves with rates and seasons. Budgets and messaging need to follow the market.
How we generate financial leads
Google Ads
High-intent search campaigns for mortgage, refinance, renewal and other financial product searches, with strict negative keywords to cut rate-shopper and job-seeker traffic.
Microsoft Ads
Bing and partner search traffic often costs less per click for financial terms and reaches an older, higher-income audience – a strong addition once Google is profitable.
Meta Ads
Lead campaigns in the Financial Products and Services category, using clear offers, qualifying questions and fast follow-up to keep lead quality high.
Landing pages & tracking
Focused landing pages and call tracking so every lead is measured by source, and budgets move toward what produces funded deals.
What's included
Account audit and competitor research for your market
Search campaigns built around mortgage and financial intent
Meta lead campaigns set up correctly in the special ad category
Conversion tracking for forms, calls and booked consultations
Negative keyword management to cut unqualified searches
Monthly reporting on cost per lead and lead quality by platform
How we work
Free consultationWe learn about your business, goals, margins and past advertising, and review any existing ad accounts.
Strategy & trackingWe choose the right platforms and campaign types, then set up accurate conversion tracking before spending a dollar.
LaunchWe build campaigns, audiences and ad creative, then launch with a clear testing plan.
Optimize & scaleWe review performance continuously, cut waste, scale what works and report results in plain language.
TheAmpify is a performance marketing agency based in the Greater Toronto Area, working with mortgage brokers and financial services firms across the United States and Canada. See all our results or book a free consultation.
Case study: Financial
Results from a real campaign we managed.
Financial
Platform: Google Ads + Microsoft Ads + Meta Ads
62% CPL Reduction & 80% More Leads
Reduced average cost-per-lead from $120 to $45 through optimized targeting and ad creative
Achieved an 80% increase in qualified monthly mortgage leads across platforms
Can I target homeowners or certain ages with mortgage ads?
In the USA and Canada, Meta and Google both restrict demographic and postal-code targeting for credit and financial ads. We work within those rules and use intent, location radius, messaging and qualifying questions to reach the right people.
Which platform works best for mortgage leads?
Google Search usually produces the highest-intent leads. Microsoft Ads often adds cheaper leads from the same kind of searches, and Meta works well for renewals, first-time buyer education and remarketing. Most brokers see the best results from a mix.
Do you work with other financial businesses besides mortgages?
Yes, including insurance, accounting, tax and other financial services, in both the USA and Canada.
Ready To Scale Your Business?
Book a free consultation call to discuss your advertising goals and discover how we can help you achieve better results.