We have credit repair offer (www.RestoreMyCreditReport.com) that is seeing over 20% conversion from emailers. I have seen some of the web traffic guys with a better than 10% conversion.
If youre interested in this offer contact Danielle from Copeac.
I can purchase mortgage and debt however I will refrain from discussing that for the time being until I have something a bit more formidable to display to these sharks.
My advice to you is that if you are serious about generating a lead in a given niche, try to get hooked up directly with the 'end user' of said product.
A lot of the affiliate programs you find in these networks are pretty much set up and forgotten about and I don't personally trust that sort of thing.