# Selling mortgage broker data to AI companies in Australia

> Can a mortgage broker in Australia sell its data to AI companies? Which buyers accept you, published payouts in AUD, and the rules that apply.

Canonical: https://origindatapartners.com/sell-company-data/australia/mortgage-lenders
By: Origin Data Partners
Published: 2026-10-26
Sources checked: 2026-10-26

## Quick answer

Yes. AI companies buy records from mortgage brokers, and micro1, Mercor and Handshake AI accept companies in Australia. Published payouts for this kind of company run A$140K to A$710K ($100K to $500K), from micro1's qualified-partnership tier. ASIC regulates credit under the National Consumer Credit Protection Act, including brokers' best interests duty, and credit reporting is restricted under Part IIIA of the Privacy Act.

## Key facts

- Published payout: A$140K to A$710K ($100K to $500K)
- Buyers that accept you: 4 (micro1, Mercor, Handshake AI and Turing)
- Privacy law: Privacy Act 1988 (Plus the industry rules below)
- US tax withheld: 5% (With a W-8BEN-E)

## What mortgage broker records AI buyers want

Best-interests duty documentation is a uniquely Australian record of why a broker chose one loan over another.

Mercor and Handshake AI both name finance and insurance as target industries; micro1 lists financial services.

| Record | Why buyers want it |
| --- | --- |
| Loan pipeline and CRM history | Shows how a file moves from application to closing. |
| Underwriting conditions and decisions | Expert judgment that is hard to replicate. |
| Processing and closing checklists | Repeatable workflows buyers turn into agent tasks. |
| QC and compliance reviews | Show how errors are caught. |


## Which AI data buyers accept Australian mortgage brokers

Buyers disagree on Australia: some estimators price it with Europe, others with the rest of the world.

| Buyer | Fit for Australia | What to know |
| --- | --- | --- |
| [micro1](https://origindatapartners.com/guides/micro1-company-data-partnerships) | Partial fit | Closed companies with 50+ peak staff; operating companies considered case by case; lists financial services |
| [Mercor](https://origindatapartners.com/guides/mercor-data-monetization-program) | Good fit | Names finance and insurance; pays by wire on delivery |
| [Handshake AI](https://origindatapartners.com/guides/handshake-ai-data-partnerships) | Possible | Names finance and insurance; 20+ staff and 3+ years; accepts companies outside the US |
| [Turing](https://origindatapartners.com/guides/turing-project-lazarus) | Possible | Full operating records up to $1M; strongest demand in the US, UK, Canada and EU |


## Published payouts in AUD

Micro1's qualified-partnership tier is the closest published figure for mortgage brokers, converted to AUD. Larger programs pay more for long, linked histories.

| Published figure | USD | AUD |
| --- | --- | --- |
| micro1, qualified partnership | $100K to $500K | A$140K to A$710K |
| micro1, large-scale datasets | $500K to $2M | A$710K to A$2.8M |
| Handshake AI, advertised range | $100K to $4M+ | A$140K to A$5.7M+ |


## Australian rules for mortgage brokers

ASIC regulates credit under the National Consumer Credit Protection Act, including brokers' best interests duty, and credit reporting is restricted under Part IIIA of the Privacy Act.

Any personal data left in the records falls under Privacy Act 1988 and the Australian Privacy Principles; the [Australian privacy steps](https://origindatapartners.com/sell-company-data/australia#rules) apply to every industry. Before anything leaves, exclude:

- Borrower income, credit, account and ID details.
- Credit reports and appraisals licensed from third parties.
- Anything your privacy notice promised not to share.

Source: [OAIC: Australian Privacy Principles](https://www.oaic.gov.au/privacy/australian-privacy-principles)

## Can a lender sell borrower files to AI companies?

No. Borrower income, credit and identity documents are restricted almost everywhere. What buyers want is the process around them: condition lists, underwriting rationale with identities removed, and the checklists that move a file to closing.

Our guide covers this in depth: [How to de-identify company data before licensing it](https://origindatapartners.com/guides/de-identify-company-data-before-licensing).


## US tax on the license fee

For Australia: 5% with a treaty form (W-8BEN-E).

Source: [IRS: Tax treaty tables](https://www.irs.gov/individuals/international-taxpayers/tax-treaty-tables)

## Questions and answers

### Do AI companies buy mortgage broker data in Australia?

Yes. micro1, Mercor, Handshake AI and Turing accept companies in Australia. Best-interests duty documentation is a uniquely Australian record of why a broker chose one loan over another.

### How much do AI companies pay for mortgage broker data?

Published payouts for this kind of company run A$140K to A$710K ($100K to $500K), from micro1's qualified-partnership tier, with larger tiers for big or unique datasets. Actual offers depend on your records and rights.

### Is it legal for a mortgage broker in Australia to sell company data?

ASIC regulates credit under the National Consumer Credit Protection Act, including brokers' best interests duty, and credit reporting is restricted under Part IIIA of the Privacy Act.

### Can a lender sell borrower files to AI companies?

No. Borrower income, credit and identity documents are restricted almost everywhere. What buyers want is the process around them: condition lists, underwriting rationale with identities removed, and the checklists that move a file to closing.

## Sources

- [micro1: Data partnerships](https://www.micro1.ai/data-partnerships)
- [Mercor: Monetize your data](https://www.mercor.com/data/)
- [Handshake AI: Data partnerships](https://joinhandshake.com/ai/data-partnerships/)
- [OAIC: Australian Privacy Principles](https://www.oaic.gov.au/privacy/australian-privacy-principles)
- [IRS: Tax treaty tables](https://www.irs.gov/individuals/international-taxpayers/tax-treaty-tables)
- [European Central Bank: euro reference rates](https://www.ecb.europa.eu/stats/policy_and_exchange_rates/euro_reference_exchange_rates/html/index.en.html)