Debt consolidation leads for UK mortgage brokers
Pay-per-show debt consolidation appointments. Homeowners with a mortgage looking to consolidate debt, with the balance, raise and monthly repayments on the card before you claim. £120 per show. Credits refund on no-show.
You buy a booked appointment, in a live calendar, with a diary entry on both sides.
- You buy a contact detail
- You cold-call to introduce yourself
- You chase for a date and time
- You pay whether they answer or not
- A lot of them never reply back
- You buy a booked calendar slot
- They picked the time themselves
- You turn up to the live meeting
- If they no-show, your credit refunds
- You only pay when they show up
- Arrives through our homeowner-loan and remortgage ads on Facebook or Google, asking about raising money against their home.
- Starts the qualifier. Homeowner status and an active mortgage are checked first, so renters and unmortgaged owners drop out.
- Shares the amount they want to borrow, the term, and their property value.
- Confirms the outstanding mortgage balance and picks the purpose of paying off debt.
- Shares income, employment, and roughly what they pay each month towards loans and credit cards.
- Passes our affordability and property-value checks (income ≥ £30k, property ≥ £100k, room on debt-to-income).
- Clears the credit screen with no recent CCJs, defaults, missed mortgage payments or payday loans.
- Confirms email and UK phone. Both validated.
- Books a slot in a live calendar and lands in your portal as a claimable appointment.
What is a debt consolidation lead?
A debt consolidation lead is a UK homeowner with an active mortgage who wants to fold unsecured debt (credit cards, personal loans, car finance) into their secured borrowing, so it runs off at one lower monthly payment instead of several. On MortgagesBooked, a debt consolidation lead is someone who's picked "paying off debt" as their reason for borrowing, owns a home with a mortgage on it, and cleared our affordability and property-value bar in the qualifier.
Every debt consolidation appointment here is exclusive to one broker. Claim it once and it's gone from the marketplace. It arrives screened on homeownership, an active first mortgage, property value, income and affordability, and it's delivered as a booked appointment in your calendar rather than a contact row pushed to your CRM. You pay the £120 only when the applicant shows up.
Consolidating unsecured debt into a mortgage means securing it against the home and often paying interest over a longer term. That's exactly the suitability conversation these applicants need a qualified broker for, which is why they've booked a call rather than clicked "apply".
What's captured on every debt consolidation enquiry
Every debt consolidation lead arrives with the data you need before the call:
- Homeowner with an active mortgage. Renters and unmortgaged owners are filtered out
- Property value and postcode
- Outstanding mortgage balance
- Amount they want to raise and the term they're after
- Purpose. Paying off debt, selected in the qualifier
- Monthly unsecured repayments. Roughly what they pay towards loans and cards
- Income and employment status
- Credit profile. Clean, or a recent-issues flag
- Verified email and UK mobile. Both validated before release
- Appointment time booked in a live calendar
All of this is on the card before you claim. If the raise doesn't fit against the equity, or affordability is tight for the lenders on your panel, skip it. You only spend a credit on debt consolidation cases you'd actually write. This is exactly how a debt consolidation appointment looks in your marketplace:
Illustrative card, built from the real answer options the qualifier stores. Homeownership and an active mortgage are confirmed, and the raise and monthly unsecured repayments are captured before the lead is released. Name, email and phone stay hidden until you claim.
Remortgage or a second charge, and how the card tells you
A debt consolidation goal lands as one of two products, and which one is your judgement on the call. The numbers you need to make it are on the card before you claim:
- Capital-raising remortgage. When the applicant is on or near the end of their deal, or their current rate is high, folding the debt into a new main mortgage is often cleanest. Balance, property value and the raise are all there to sense-check the loan-to-value.
- Second charge. When they're locked into a low fixed rate with early repayment charges, a second charge behind the existing mortgage keeps the cheap money in place. The existing balance and rate context tell you when this is the better route.
Either way, the applicant has told us they own a home with a mortgage and want to raise money against it to clear debt. You spend a credit already knowing the shape of the case.
Why debt consolidation appointments convert
These are motivated applicants. Someone juggling several monthly payments who's booked a call about rolling them into one isn't browsing. They want the problem solved.
- Clear, urgent motivation. The pain is monthly and concrete, and that shows up in show rates and conversion.
- A genuine advice need. Securing unsecured debt against a home is exactly the decision people want a broker to walk them through, so the call has substance from the first minute.
- Protection attaches naturally. A borrower restructuring their finances is the right moment for a life and income protection conversation, which lifts the value of every case you write.
The honest caveat: some cases won't fit. The equity can be too thin for the raise, or affordability gets tight once you add the new borrowing. That's why the balance, property value and monthly repayments are on the card. You skip the ones that don't work and claim the ones that do.
Cost-per-lead providers vs pay-per-show
Most UK debt and remortgage lead providers sell on a cost-per-lead basis: a fee buys a contact record, delivered by email, CSV or API, and the phoning is on you. This is how that model compares with buying the appointment itself:
| Typical cost-per-lead provider | MortgagesBooked | |
|---|---|---|
| You pay for | A form fill or call-back request | An appointment that showed up |
| Typical price | £70–£110 per lead | £120 per shown appointment |
| If they never answer | Your loss; the lead is spent | No show, no charge: credit refunds automatically |
| Delivery | Email, CSV or API into your CRM | Booked slot in your live calendar |
| Exclusivity | Varies; some resell | Exclusive; one broker per appointment |
| Contracts & setup fees | Often minimum spends or campaigns | None. Credits, used when you claim |
One caveat worth stating plainly: cost-per-lead works if you have a dialling operation that can hit a lead inside five minutes, all day. If you're an adviser who wants conversations with people who've already booked in, pay-per-show removes the part of the job you didn't want. The wider market is on the lead generation companies comparison.
Conversion rates and what a debt consolidation deal actually costs
Because you're buying appointments that showed up rather than raw leads, the maths is easy to run. Across our flow we generally see about one in three claimed appointments go through to an agreement in principle. At £120 per show, that works out to roughly £360 in lead cost per AIP. From there, brokers close on average around half of those AIPs, so figure another 2x, about £720 in lead cost per completed case, or one closed deal for every six appointments you claim.
That's the average, and the clear motivation behind a debt consolidation enquiry tends to hold show rates up. With a raw lead list you'd pay for names and chase contact rates before you ever get a conversation. Here you only spend a credit once someone has already picked a slot and shown up, so the £120 sits against a call that's actually happening.
Pricing and no-show policy
Sign up and your portal starts showing live debt consolidation appointments that day, with the balance, raise and monthly repayments on each card. Looking is free. Once a few days of flow has gone past and the mix matches the cases you actually write, load up a five-credit pack. Top up whenever you run through it. Credits are valid for six months from purchase.
The qualification layer behind every lead
What makes a debt consolidation lead distinct is the borrowing layer on top: the amount to raise, the outstanding mortgage balance, and the monthly unsecured repayments, captured so you can sense-check the case before you claim. Underneath that layer, the same filtering runs as on every other lead type we sell. Our own ads. A qualifier that gates on homeownership, an active mortgage, property value and affordability. Email and phone validation before release. The deeper mechanics live on the lead quality page, and credit arithmetic on pricing. Many of these cases sit alongside remortgage and adverse credit flow, and the same booking flow applies to all of them.