Leads Your Loan Officers Won't Threaten to Quit Over
Pre-qualified, exclusive mortgage leads with an 80–90% pickup rate. Delivered in real-time while the prospect is still interested. No lists. No shared data. No lock-in.
Monthly terms. 48-hour dispute window. One brokerage per allocation.
Trusted by brokerages across AU & US
What $30 Leads Actually Cost Your Brokerage
15–25%
Pickup rate on purchased lists
industry average
0+
Brokers calling the same lead
Monday morning. Your top producer sits down with a fresh list. Forty calls. Three answers. Two hang-ups. One maybe. She's been doing this for three months. Last week she updated her LinkedIn.
The ones who do answer? They're pissed. “You're the fifth person to call me this week about my mortgage.” Your LO apologises. Again. She hangs up. Checks Seek.
The list broker told you these were “exclusive.” They are. Exclusive to you and four other buyers. The lead was fresh once. Now it's been recycled so many times the prospect won't answer unknown numbers at all.
Here's the math nobody talks about. That $30 lead just cost you $30 plus two hours of your LO's time plus the hourly rate you pay her plus the overhead. Plus the LO who walks out the door because she's sick of feeling like a telemarketer. That “cheap” lead just cost you closer to $300. For one conversation with a prospect who's already spoken to four other brokers.
If you've been burned by lead vendors before, you're not alone. Every brokerage principal has a story about the list that cost them five figures and delivered five conversations. We built SPEAR because those stories are preventable. The infrastructure exists. Most brokerages just don't have access to it.
That model worked in 2015. It does not work now.
This Is What Lands in Your Inbox. Not a Name and Number.
A complete briefing on a prospect who already told you what they want, when they want it, and how they prefer to be contacted. Your LO walks into a warm conversation, not a cold call.
Lead #SL-2026-1047
Received 2 min ago · Purchase · VIC
Contact
Intent Profile
Qualification Data
- • First home purchase
- • 20% deposit saved, pre-approval in progress
- • No existing mortgage or defaults
- • Full-time employment, 3+ years
- • Seeking package loan with offset account
Broker Notes
Motivated by recent rate movement. Deposit ready, pre-approval in progress. First-time buyer unfamiliar with lender comparison. Strong candidate for package loan with offset. Comfortable with phone contact. Best window: weekday mornings.
This is a sanitised version of an actual delivered lead. Details changed for privacy.
Golden Path Financial · SPEAR LEADS
Your LO doesn't have to guess whether the lead is worth calling. The prospect already told you their loan amount, timeline, employment status, and what they're looking for. You know the quality before you pay.
80–90%
Recorded Pickup Rate
across active partners
$0K+
Avg Purchase Loan
purchase leads
< 0%
Dispute Rate
all lead types
Every lead is warm. The prospect chose to fill out the quiz, told you what they want, and is expecting your call. This is not a cold call. It's a conversation they already started.
Based on recorded data across active brokerage partners. Individual results vary by market, follow-up cadence, and sales process.
This Is What Your LOs Could Be Calling Instead.
Monthly terms. 48-hour dispute window. No lock-in.
The System That Pre-Qualifies Every Lead Before It Hits Your Inbox. Under 5 Minutes.
Tire kickers out. Decision-makers in. This is live. Not a mockup. Try it yourself and see what your prospects experience before your LO ever picks up the phone.
Targeted Meta Ad
Your ads only show to people actually looking for a mortgage. Interest, intent, and life-event signals. Nationwide targeting. Every dollar is tracked.
Quiz Landing Page
The prospect lands on a Golden Path Financial branded quiz page. They choose their own goal , whether that is a first home, next home, or investment property. Not a generic form. Not a squeeze page.
Smart Qualification
Unqualified prospects filter themselves out. Qualified leads tell you their loan amount, timeline, employment status, and contact details. Before you ever call them. 68% finish the quiz.
Lead Delivered
Your LO gets the lead while the prospect is still interested. Full qualification data. Broker notes. Suggested opening script. Under 5 seconds from submit to inbox.
Want to learn more about how it works?
Book a call. We'll walk you through the full system.
From Ad to Inbox in Under 5 Minutes. Here's Exactly What Happens.
Every stage is measurable. Every lead opts in voluntarily. Nothing goes near a data broker.
Meta Ad Targeting
0sWe target people showing genuine mortgage intent. Not just demographics. Life events. Lookalikes of the best customers. Nationwide targeting.
Ad Click
1–3sProspect sees a contextual ad and clicks through. "See if you qualify" framing. Not "Lowest Rate In The Country" or "Download Free Tool"
Quiz Completion
2–4 minThe prospect answers 20+ questions because they WANT to know if they qualify. Not because they're being sold to. 68% finish. Traditional forms? 12%.
Validation
< 1sWe verify the phone number works before your LO ever dials it. Duplicates get caught. Intent gets scored.
Your Inbox
InstantFull context. Broker notes. Suggested opening script. Delivered in real time by webhook to Salesforce, HubSpot, Podium, ActivePipe, Slack, or your inbox.
Average time from ad to inbox
Based on hundreds of completed submissions
The Ads That Start the Conversation
Every ad speaks to a specific intent. Refinance savings. First-home guidance. Equity access. Underperformers get killed within hours of detected underperformance. You get a pipeline of predictable quantity you can rely on.
Calculate My Savings
Still Paying Your Bank's Standard Rate?
Thousands of homeowners are switching lenders and saving $300+/month. Take the 60-second quiz to see what you could save.
Get the Guide
First Home? Here's What the Banks Won't Tell You.
Government grants, hidden fees, and the real deposit you need. Get the facts without the sales pitch. Just clarity.
Check My Equity
Unlock Your Home Equity . No appraisal needed.
See how much equity you can access in under 2 minutes. Use it for renovations, investments, or debt consolidation.
We don't run one ad and hope. No 'Lowest Rate In The Country' headlines. No 'Download Free Tool' bait. We run & test multiple angles against live traffic, kill the losers within hours of detected underperformance, and double down on what works. You get a pipeline of predictable quantity that you can rely on.
Figures represent historical campaign averages. Results vary by market and creative rotation.
All Australian campaigns include required comparison rate disclaimers and comply with ASIC RG234 advertising guidelines.
Here's What You Get. And What You Don't. With Every Alternative
This is a direct comparison of what you get and what you do not.
| Feature | SPEAR LEADS | Generic Agencies | DIY Meta | $30–50 Shared Leads |
|---|---|---|---|---|
| Lead Exclusivity | ||||
| Recorded Pickup Rate | 80–90% | 30–50% | Varies | 15–25% |
| Pre-Qualified Intent Data | ||||
| Real-Time Delivery | ||||
| Broker Notes per Lead | ||||
| Private Infrastructure | ||||
| No Data Broker Involvement | ||||
| 48-Hour Dispute Window | n/a | |||
| A/B Tested Creatives | your job | n/a | ||
| Setup Time | < 1 week | 2-4 weeks | 4-8 weeks | immediate |
| Minimum Contract | Monthly | 3-12 months | n/a | n/a |
| Minimum Monthly Spend | A$15,000 (100 leads) | $3k–$8k retainer + your ad spend + 15–20% markup | Variable ad spend | Varies |
| Australian-Based Support | rare | n/a | rare | |
| Predictable Monthly Volume | your job | unpredictable | ||
| Price Transparency | Fixed per lead | Opaque / bundled | Variable ad spend | Per lead |
Pickup rates reflect recorded data from SPEAR LEADS partners. Competitor ranges reflect published industry benchmarks and may vary by provider.
By now you're probably thinking: this sounds different from what I've been sold before. It is.
Your Leads Never Leave SPEAR
Every lead, quiz response, and phone number lives on private servers under Australian jurisdiction. No AWS. No Google Cloud. No third-party vendor with a backdoor.
Private Servers
Dedicated hardware in our private environment. No shared hosting. No multi-tenant platforms. Full root control.
Zero Cloud Dependency
Your prospects' information never touches a third-party cloud provider. Not AWS. Not Azure. Not Google. Not anyone.
Exclusive. Guaranteed.
Your leads go to one brokerage: yours. No resale. No syndication. No marketplace. This is enforced at the infrastructure level, not by policy.
Australian Jurisdiction
Data stays in Australia under Australian privacy law. Not subject to the CLOUD Act, FISA, or foreign data access orders.
What most brokerages don't realise:
Platforms like GoHighLevel, Zapier, and HubSpot include terms of service that grant them legal access to review, process, or retain your customer data. In a regulated industry where lead data includes financial position, employment status, and contact details. That's a compliance exposure most brokers never chose.
SPEAR uses none of these platforms. No intermediary. No vendor with a backdoor.
Want to see the server environment? We can arrange a screenshare. We have nothing to hide because we don't outsource the sensitive parts.
A$150 +GST Per Lead. Here's Exactly What You Get.
No setup fees. No platform fees. No ad-spend markups. You pay for leads delivered. If we don't hit the agreed volume in a given month, you only pay for what you received.
A$150 + GST
per qualified lead
- 100 leads/month minimum
- Volume discounts available at 250+
- No setup fees
- No platform fees
- No ad-spend markups
- Monthly terms: 30 days' notice to pause or cancel
- 48-hour dispute window on every lead
- You only pay for leads delivered
- Delivery: Real-time email, Slack, or CRM webhook
That is 2–3 warm conversations per LO per week in a 10 LO team.
THE ROI MATH
Click any number to model your scenario
Conservative scenario: 5% close rate of conversations = 4 settled loans = A$14,000 revenue. Break-even at 4.3 loans. At 7.5% close = 6 loans = A$21,000. Everything after loan 5 is pure margin.
Mortgage leads mature over 3–6 months. At 90 days most partners see 4–6% close. At full maturity, 8–12%.
Most of our partners have follow-up systems held together with spreadsheets and hope. The leads are strong enough that even a mediocre process converts. With a real sales cadence? The numbers compound fast.
That's a 1.87× return. Before trail commissions, referrals, or repeat business.
Pricing is on this page so you can decide if the math works before you ever talk to us. The call is about checking allocation availability and seeing the system live, not a discovery call designed to sell you. If you want to walk through the numbers with your team, that's what the call is for. Published rates are the standard. Volume partnerships are structured separately. If the numbers don't work for your brokerage, or allocations are depleted, there's nothing to discuss, and we'll say that upfront.
ROI estimates are illustrative. Close rates vary by brokerage, market, and sales process.
Founding Partner Rate
A$150 per lead is the founding partner rate.
Once founding partner allocations are committed, standard pricing of A$190 per lead applies to new partners. No grandfathering. No exceptions.
One brokerage per allocation. Current capacity: limited slots available.
US Brokerage Partnerships
For US mortgage brokerages and lending operations.
Pricing shown in Australian dollars (AUD). US partnerships are structured separately through our US operations.
US brokerage pricing depends on volume requirements, compliance structure, and integration depth.
Pricing shown in AUD. US partnerships available. Enquire on the call.
Your First Week. Not Your First Month.
No IT tickets. No brand review committees. No all-hands meetings. Here is exactly what happens once your partnership is confirmed.
Partnership Assessment Call
We assess your team structure, service standards, and lead capacity. If the partnership is a fit, we outline terms and confirm your allocation.
Agreement & Onboarding Kickoff
Your MSA and first invoice are sent. Once signed, you provide your logo and delivery preferences, and we begin your build.
Quiz Build & Configuration
We configure your qualification quiz and set up lead routing to your preferred delivery channel.
Integration & Testing
We connect your CRM webhook or preferred delivery channel, verify data formatting, and confirm lead flow.
Campaign Scheduled for Launch
A small batch of test leads may appear to confirm your routing and data format are working. Your campaign is scheduled to go live once validation is complete.
Campaign Goes Live
Your campaign goes live. Leads begin arriving in real time. Volume starts small as the algorithm learns your audience, then scales toward your agreed target over the following weeks.
From first call to live campaign: under 7 days. From there, volume builds gradually as the algorithm finds its rhythm. Lead quality stays consistent whether you are just starting out or already at scale.
The Compliance Standard We Actually Hold Ourselves To.
Mortgage Research Center, LLC operates Veterans United Home Loans, the #1 VA lender in the US by volume. They partner with SPEAR LEADS to generate pre-qualified mortgage leads through Golden Path Financial.
Mortgage Research Center, LLC
All funnels are reviewed for compliance with Australian credit regulations and U.S. consumer protection standards before they go live. Our partnership with Mortgage Research Centre ensures every quiz, ad, and data collection point meets the standard your brokerage demands. US operations meet federal and state-level compliance requirements, including TCPA and state mortgage advertising standards.
Randy Beno
Founder, SPEAR LEADS
The homeowner filling out that quiz is making the biggest financial decision of their life. If we get the experience wrong, if the funnel is sloppy, the data gets shared, or six brokers call them in a day, we've failed before you even pick up the phone.
That's why I built everything from scratch. Private infrastructure. Custom-coded funnels. No data brokers. No 12-month contracts. No retainers. No ad-spend markups. We pay for the ads. You pay for the leads.
Veterans United Home Loans - the #1 VA lender in the US - chose SPEAR over every alternative they evaluated. If the numbers work for your brokerage, I'll tell you. If they don't, I'll tell you that too.
- •Selected by the #1 VA lender in the US to build their lead acquisition infrastructure
- •Private network of performance marketers managing seven-figure monthly ad budgets
- •Serving mortgage brokerages across AU and US
Founding partner rates don't last. Every month you wait could be $40/lead more.
Monthly terms. If the leads aren't good, you leave. That's the whole contract.
Your Toughest Questions. No Evasion.
No corporate speak. Direct answers to what sceptical brokers actually ask.
They are not shared. Your leads are exclusive to your brokerage. We do not operate a lead marketplace, syndicate the same lead to multiple buyers, or resell.
When a prospect completes a Golden Path Financial quiz, that lead goes to one partner: you. This is enforced at the infrastructure level.
You did not try SPEAR LEADS. You tried a three-field Facebook form that collected name, email, and a fake phone number. That is not what we build.
Our prospects complete a 20-plus question qualification quiz before they ever reach you. They confirm income range, loan timeline, property type, employment status, and communication preference. By the time the lead hits your inbox, the prospect has already invested six minutes telling you exactly what they want.
The difference is not the ad platform. It is the qualification depth.
You have a 48-hour review window from the moment a lead hits your inbox. If the contact details are invalid, the prospect explicitly states they are not looking for a mortgage, or the intent data is demonstrably false, flag it.
Disputed leads are credited toward your next batch. They are not refunded in cash; they are replaced. We do not guarantee conversions. It is illegal to promise financial gain under Australian credit advertising law, and any agency that claims otherwise is either lying or breaking the law. We guarantee that the lead you receive matches the qualification criteria they self-reported.
Dispute rate across active brokerages: < 4%.
You get them in real time. The moment a prospect hits submit on the quiz, our system triggers a webhook that formats and delivers the lead to your inbox. Typical delivery time: under 5 seconds.
There is no daily batch file, no CSV export at 5pm, and no waiting until tomorrow. You get the lead while the prospect is still engaged, which is exactly when you need to call.
This is why we include broker notes. Every lead comes with a suggested contact window, communication preference, and contextual opening script. If the prospect prefers SMS or email first, we tell you.
The 80–90% pickup rate addresses this for most leads. For the remaining 10–20%, the data we provide (including timeline, urgency, and preferred contact method) is designed to maximise your connect rate. Actual results depend on your internal sales process and follow-up cadence.
Lead lists are dead data. They come from aggregators, sit around for years, get shared with 5-10 other brokers, and are stone cold by the time you call. You are the 6th person to call that number this week.
SPEAR LEADS are live, permission-based, and self-qualified. The prospect filled out a quiz 2 minutes ago. They are expecting contact. They told you their loan amount, timeline, and situation. The prospect opened a dialogue 2 minutes ago. You are stepping into it, not starting from zero.
If you prefer buying lists, we are not the right partner. We only build funnels.
No, you do not need a long-term contract. We operate on a Master Services Agreement (MSA) with monthly invoicing. You can pause or terminate with 30 days' notice.
We do not lock you into 6 or 12-month terms because we don't need to. If the leads are good, you stay. If they're not, you leave. That keeps our incentives aligned.
Referrals are the best leads you can get. They also disappear without warning. One month you get forty. Next month you get four. Your best LO sits there refreshing her inbox.
SPEAR does not replace referrals. It gives your team a predictable baseline so they are not idle when the referral pipeline goes quiet. Most partners find the leads actually improve referral follow-up. When your LOs are in conversation mode every day, they call their referral sources more consistently too.
Active partners who run both channels report more consistent monthly settlement volume.
With ten loan officers, 100 leads is ten per LO per month. That is two or three warm conversations per week. Most brokerages discover their teams have more capacity than they think. Especially when the pickup rate is 80-90% instead of 15-25%.
The objection is usually not volume. It is risk. That is why we run monthly terms with 30 days' notice. You are not locking in for a year. If the leads are not good, you leave. We do not need a contract to keep you.
Founding partners lock in their per-lead rate and allocation priority for 12 months. As we scale lead volume, new partners enter at standard rates. Your terms do not change unless you choose to switch.
Most founding partners stay on their original agreement because the math is better. If you want to explore a different allocation tier later, you can. The point is: you choose, not us.
Yes. We partner with US mortgage operations, including Mortgage Research Centre, a licensed mortgage enterprise operating in all 50 states.
US pricing and volume structure are assessed individually. If you are a US brokerage principal, book an assessment call and we will review your market, volume requirements, and compliance setup.
Don't let another top broker quit because of your lead vendors.
Get 100 Pre-Qualified Leads in Your Pipeline This Month
We show you the live system and the actual numbers. No pitch deck. No script. If we're not a fit, we'll tell you.
Monthly terms. 48-hour dispute window. If we're not earning your business every month, you walk.
Each partner gets a dedicated lead allocation. No sharing. Check availability on the call.
Pricing shown in AUD. US partnerships available. Enquire on the call.