[andrewwee]

Forums are a good source of traffic and convert well, provided you post in the right forum.

Also, posting strong content tends to elicit curiosity from the readers and you'd have a higher conversion.

You might also like to use the available ASCII characters on your keyboards to draw more attention like:

---> Best Mortgage Consolidation

OR

>>>>>> Click here for Fantastic Refinancing Quotes NOW! <<<<<<<<

If you're on a forum with a userbase of 20,000 upwards, you should be able to get at least 500 CTRs... and maybe a 5-10% convert if it's an attractive offer.