Purpose-built AML/CTF compliance for Australian real estate agents. AUSTRAC enrolment, CDD (with auction and exchange delayed CDD built in), DFAT sanctions screening, and SMR workflows — all in one platform mapped to the AUSTRAC Real Estate Program Starter Kit.
Under the amended AML/CTF Act 2006 and the AUSTRAC Tranche 2 reforms, real estate agents who sell, auction, or assist in the transfer of real property provide a designated service. From 1 July 2026 you must enrol with AUSTRAC, maintain a written AML/CTF program, verify every client, screen against the DFAT sanctions list, lodge suspicious matter reports, and keep records for 7 years.
AUSTRAC explicitly names buyer's agents as providers of a designated service: "a person acting as a buyer's agent starts providing a designated service to a buyer or transferee when an agreement to find or identify a property is signed." Selling agents are captured from the moment the sale, purchase or transfer of real estate is on foot.
AMLTranche turns AUSTRAC's real estate guidance into a working workflow: a CDD file that matches how an agent already onboards a client, with auction and exchange delayed CDD timers, reliance pack exports for the conveyancer, and a tamper-proof audit log.
All six obligations are set out in AUSTRAC's public guidance. AMLTranche delivers the systems you need to meet each one — mapped to the AUSTRAC Real Estate Program Starter Kit.
Register as a reporting entity through AUSTRAC Online. Enrolment opens 31 March 2026; deadline 29 July 2026.
A written, risk-based AML/CTF program with your ML/TF risk assessment, policies, procedures and controls. Appoint a fit-and-proper compliance officer.
Conduct CDD on the client on whose behalf you act (per the AUSTRAC Conveyancer Program Starter Kit) before providing the designated service.
Screen every client against the DFAT Consolidated List and PEP databases — and re-screen on list updates.
Lodge an SMR with AUSTRAC when you form a suspicion on reasonable grounds. Tipping off a customer is a criminal offence under section 123 of the Act.
Retain CDD records, screening results and compliance documents for 7 years per AUSTRAC record-keeping guidance.
Not sure if you're in scope? Check the AUSTRAC eligibility tool, or read our step-by-step guide for real estate agents.
Real estate agents work on the move. AMLTranche is a web-based AML platform that runs on any device — iPad at an open home, phone after the fall of the hammer, laptop at the office.
Selfie plus document capture on any device. Matches driver licence, passport or Medicare via secure Australian IDV providers.
Every client is screened against the DFAT Consolidated List and PEP databases. Automatic re-screening when lists update.
Program generator follows the AUSTRAC Real Estate Program Starter Kit structure. Policies, dealing-with-clients examples, and process mapping.
AUSTRAC permits delayed CDD where completing initial CDD before the fall of the hammer would disrupt the ordinary course of business. The platform tracks the timer.
Real estate delayed CDD: complete initial CDD on the buyer/transferee 28 days after the exchange of contracts, or at least 3 days before the initially agreed day for settlement (whichever is earliest).
Verify SMSFs, discretionary trusts, unit trusts and Pty Ltd entities — including beneficial owners at 25% or more ownership or control per AUSTRAC's glossary.
Structured intake and reviewer role-split so tipping off is prevented by design. Aligned to section 123 of the AML/CTF Act.
Every CDD action is signed and time-stamped. Data stored in AWS Sydney. Ready for an AUSTRAC examination years from now.
The program generator mirrors the AUSTRAC-published structure — so your program reads the way AUSTRAC expects.
The platform tracks AUSTRAC's specific real-estate delayed CDD windows so nothing slips past deadline.
All data hosted in AWS Sydney (ap-southeast-2). 256-bit encryption, tamper-proof audit log, 7-year retention built-in.
Solo plan for single-agent operations; Growth and Scale plans for multi-office agencies with reporting groups.
Exportable CDD packs support the reliance framework in the Act — share verified CDD with the conveyancer on the same file.
From $59/mo + GST. No feature gating. Annual plans save 17%.
Every plan includes AUSTRAC enrolment support, AML/CTF program generation mapped to the Real Estate Starter Kit, DFAT sanctions screening, PEP screening, and 7-year audit trails. Annual billing saves 17%.
Single-agent operations. 1 seat, 5 IDV verifications/mo included.
Growing agencies. 5 seats, 20 IDV verifications/mo included.
Large offices & franchise reporting groups. 15 seats, 50 IDV verifications/mo.
Purpose-built AML software for Australian real estate agents. Plans from $59/mo. Up and running in under an hour.
8 steps to AUSTRAC-readiness before 1 July 2026. Enrolment, program, CDD, screening, training.
Read guide →How to do customer due diligence under AUSTRAC Tranche 2 for residential and commercial.
Read guide →Purpose-built for buyer's advocates and buyers agencies.
Read guide →When and how to lodge an SMR with AUSTRAC. Tipping-off rules under section 123.
Read guide →Signs of money laundering in real estate transactions.
Read guide →Step-by-step AUSTRAC Online enrolment walkthrough.
Read guide →