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What Google Ads cost

Google Ads for mortgage brokers: what a click costs

In the United States, the searches people make for a mortgage broker add up to about 376,300 a month, and advertisers bid $8.60 to $29.25 to show at the top of Google for them. Here is what that means for a budget, country by country, and how to spend less of it on searches that never become a client.

From Google Keyword Planner, read by Adducta Collected 5 October 2026

The short version

01What a click costs, country by country

The range advertisers bid to show at the top of Google, Google's 20th to 80th percentile, for the searches below, in each country's own currency. A click usually costs less than the high end.

CountrySearches a monthTop of page, lowTop of page, high
United States376,300$8.60$29.25
Canada30,500CA$5.65CA$21.45
Australia30,100A$10.15A$36.17
New Zealand4,780NZ$8.00NZ$22.36

02What customers type, and what to block

Google measured the three searches a customer of a mortgage broker types when ready to hire:

mortgage broker · mortgage broker near me · mortgage lender

Searches with these words in them cost the same and rarely become a client, so block them from the first day:

jobs · mortgage broker license · mortgage broker course · mortgage agent salary · how to become

03What a budget buys

In the United States, at $8.60 to $29.25 a click, and if 5 in a hundred clicks become an enquiry:

BudgetA monthClicks a monthEnquiries a month
$10 a day$30410 to 351 to 2
$30 a day$91231 to 1062 to 5
$100 a day$3,040104 to 3535 to 18
$300 a day$9,120312 to 1,06016 to 53

Put in your own budget, country and enquiry rate in the Google Ads cost calculator.

04What works for mortgage brokers

A good enquiry: someone in your area buying a home, renewing or refinancing in the next few months, who wants a broker to shop the lenders.

Rules to know: Mortgages count as credit: in the United States and Canada, Google does not let these ads be aimed by age, gender, parental or marital status, or ZIP or postal code. In Australia, Google asks financial services advertisers to show they are authorised by ASIC and to pass its verification before their ads run.

05Questions

How much does Google Ads cost for mortgage brokers?

In the United States, advertisers bid $8.60 to $29.25 for a click at the top of Google on the searches people make for a mortgage broker, in October 2026. Elsewhere: CA$5.65 to CA$21.45 in Canada, A$10.15 to A$36.17 in Australia and NZ$8.00 to NZ$22.36 in New Zealand. A click usually costs less than the high end.

How much should a mortgage broker spend on Google Ads?

It depends on how many new clients a month you can take and what one is worth. As a yardstick, a hundred clicks a month at the top of the range costs about $2,925 in the United States; if 5 in a hundred become enquiries, that is about 5 enquiries. Adducta's free plan works it out for your area and budget, and says if the budget is too thin.

What should a lead cost a mortgage broker?

If 5 in a hundred clicks become an enquiry, about $172 to $585 an enquiry at the top-of-page range in the United States. Blocking the wrong searches, and a landing page that answers the first question, move it toward the low end.

Which searches should mortgage brokers block?

Searches with these words in them cost the same and rarely become a client: jobs, mortgage broker license, mortgage broker course, mortgage agent salary and how to become. Adducta's plan lists the searches to block before anything is spent, and the agent adds to the list every day from the searches that come in.

06Let an agent run it

Adducta's agent writes the plan for a mortgage broker's ads from six questions: the searches to buy and block, what the ads say, and what a lead should cost in your area. Write my plan is free, needs no account and no card, and nothing is spent until you approve it.

Google runs today. Facebook and Instagram open in the coming weeks, and ads inside AI assistants and on TikTok come after that; leave your details to be first in line.

07What Google Ads cost other businesses