Yes. AI companies buy records from home loan advisers, and micro1, Mercor and Handshake AI accept companies in Singapore. Published payouts for this kind of company run S$130K to S$640K ($100K to $500K), from micro1's qualified-partnership tier. Home loans are made mainly by MAS-regulated banks, and credit bureau data is licensed for credit assessment only.
What home loan adviser records AI buyers want
Advisory workflows comparing bank packages are the useful records; borrower files stay with the banks.
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 Singapore home loan advisers
With no tax treaty, the full 30% US withholding applies unless the deal is structured as a service performed abroad.
| Buyer | Fit for Singapore | What to know |
|---|---|---|
| micro1 | Partial fit | Closed companies with 50+ peak staff; operating companies considered case by case; lists financial services |
| Mercor | Good fit | Names finance and insurance; pays by wire on delivery |
| Handshake AI | Possible | Names finance and insurance; 20+ staff and 3+ years; accepts companies outside the US |
| Turing | Possible | Full operating records up to $1M; strongest demand in the US, UK, Canada and EU |
Published payouts in SGD
Micro1's qualified-partnership tier is the closest published figure for home loan advisers, converted to SGD. Larger programs pay more for long, linked histories.
| Published figure | USD | SGD |
|---|---|---|
| micro1, qualified partnership | $100K to $500K | S$130K to S$640K |
| micro1, large-scale datasets | $500K to $2M | S$640K to S$2.6M |
| Handshake AI, advertised range | $100K to $4M+ | S$130K to S$5.1M+ |
Singapore rules for home loan advisers
Home loans are made mainly by MAS-regulated banks, and credit bureau data is licensed for credit assessment only.
Any personal data left in the records falls under Personal Data Protection Act 2012 (PDPA); the Singapore privacy steps 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.
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.
US tax on the license fee
For Singapore: 30%: there is no US-Singapore income tax treaty.
Source: IRS: Tax treaty tables
Common questions
Do AI companies buy home loan adviser data in Singapore?
Yes. micro1, Mercor, Handshake AI and Turing accept companies in Singapore. Advisory workflows comparing bank packages are the useful records; borrower files stay with the banks.
How much do AI companies pay for home loan adviser data?
Published payouts for this kind of company run S$130K to S$640K ($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 home loan adviser in Singapore to sell company data?
Home loans are made mainly by MAS-regulated banks, and credit bureau data is licensed for credit assessment only.
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 and further reading
Origin Data Partners is independent and not affiliated with any buyer named on this page.