The leads are internet sourced and come from a number of our web sites. All web sites have the same form to ensure an excellent level of quality.

The form used to generate our leads has a lot of validation. We require at least 2 telephone numbers, a full verified postal address, valid email address and a date of birth. They also have to agree that they are actively seeking a mortgage and wish to speak to a mortgage specialist by telephone. You receive the leads within seconds of them being submitted so the client doesn't have time to go elsewhere before you contact them. With our system you only receive the exact type of leads you require, you’re not forced to take ‘the rough with the smooth’. Don’t want £50k First-time buyers? Don’t bid for them. This unique model means our conversion rate is much better than an average internet lead.

None, you only pay the price that you bid.

None. Going on holiday for a week? Turn the whole account off and on again with one click. (Some bright spark just pointed out it’s actually 2 clicks)

The lead is exclusively yours, no time limit. We never send our leads to more than one broker and have software in place to ensure the same person can’t submit a lead twice within a day.

It’s instantaneous upon the mortgage seeker’s completion of the form if you win the bid. Leads are delivered to your myLeads section of Leadbay and directly into your email inbox. We don’t control the internet so we can’t guarantee a time to your email box but it is normally a few seconds and no more.

Given the freshness of the leads and their dynamic nature (they are not delayed or buffered), it is impossible to predict the postcode or value that the next lead will contain so we also cannot determine the exact timescales by when you will receive your lead for given criteria. . The quantity of leads passing through the system will grow rapidly over the first few months following launch. Increasing your bid price for a particular range of leads increases your chance of receiving it sooner.

We currently categorise leads into 8 different types:

• Remortgage
• First-Time Buyer
• Buy To Let
• Purchase
• Adverse - Remortgage
• Adverse – Other
• Self cert – Remortgage
• Self cert – Other

You can bid on between 1 and 124 different postcode regions in the UK.

You can vary your price for each of 14 different loan value bands from 25k to 400k+

Very similar to that shown on the Lead Detail page. You can also see it at any time in your myLeads section.

You should contact by telephone initially as soon as possible as the client has expressly been informed that he will be rung by you, and will be expecting your phone call, but you can of course follow up by e-mail. We recommend that the first telephone contact should be within a few hours and not later than 24 hours after you receive the lead. The sooner you contact them the better the chance of converting this lead.

Yes, you are in complete control. You may place a limit on the number of leads you receive per day or a cap on how much you spend each day.

You must notify us within five calendar days that you have received an invalid lead, and upon confirmation of this by us, you will be refunded. We may take up to 3 working days to confirm and refund you.

Please bear in mind that you are purchasing leads and not a done deal. We find our brokers enjoy an excellent conversion rate however we do realise that it is not fair to make you pay for some leads. We can’t control who uses our forms so some leads will be classified as invalid. If both the phone numbers are invalid, or the client is not based in this country or the lead is a duplicate of a lead already sent to you or a test lead then you will not have to pay for it.

Whenever you want 24 hours a day, 7 days a week. We may bring the database offline for planned essential maintenance but this will only be at off-peak times.

We have been working with an established and well-known FSA compliance consultancy during the development of the web site and its processes. We have been informed that the web site and the use of the forms to collect leads are compliant with the current regulations and we are happy to discuss the details of this with you. We will continue to work hard to ensure that we keep up with any changes in compliance so that we meet the requirements fully. This is a subject we take very seriously.

Leadbay is a brand setup by Add Momentum Ltd. to bring together the expertise that the company has gained since, and before, its formation. This expertise combines lead generation (including mortgage leads), market and compliance knowledge, internet knowledge and web site capabilities and technological innovation together with business and service provision experience. Add Momentum and the Leadbay team contain dynamic, knowledgeable individuals who are focused on adding value to you, our customers, in order to ensure the company’s own growth and success. Leadbay is one of the business areas and products offered by the company.