# Selling home loan adviser data to AI companies in Singapore

> Can a home loan adviser in Singapore sell its data to AI companies? Which buyers accept you, published payouts in SGD, and the rules that apply.

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

## Quick answer

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.

## Key facts

- Published payout: S$130K to S$640K ($100K to $500K)
- Buyers that accept you: 4 (micro1, Mercor, Handshake AI and Turing)
- Privacy law: PDPA 2012 (Plus the industry rules below)
- US tax withheld: 30% (No treaty)

## 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](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 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](https://origindatapartners.com/sell-company-data/singapore#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: [PDPC: Personal Data Protection Act overview](https://www.pdpc.gov.sg/overview-of-pdpa/the-legislation/personal-data-protection-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.

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 Singapore: 30%: there is no US-Singapore income tax treaty.

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

## Questions and answers

### 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

- [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/)
- [PDPC: Personal Data Protection Act overview](https://www.pdpc.gov.sg/overview-of-pdpa/the-legislation/personal-data-protection-act)
- [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)