AML compliance real estate agents Australia
AML Compliance for Real Estate Agents: AUSTRAC Tranche 2 Explained
Property transactions are a major AML focus, which means agencies need a practical program well before enrolment opens.
Are you affected?
If your agency brokers property sales or related designated services, AUSTRAC Tranche 2 is likely to bring your business into scope and require compliance by 1 July 2026.
In scope
- Residential and commercial property sale services
- Buyer-side transaction assistance tied to property deals
- Handling transaction-related customer due diligence
- Agency processes involving designated real property services
- High-risk client onboarding for property transactions
- Staff workflows tied to settlement-stage customer checks
Out of scope
- Pure rental management
- General property marketing only
- Standalone advertising services
- Administrative support with no designated service
- Property photography and listing production
- Unrelated business consulting
Your obligations
- Enrol with AUSTRAC when enrolment opens on 31 March 2026
- Build an AML/CTF program tailored to your services
- Implement customer due diligence procedures
- Train staff on red flags, risk, and process
- Prepare for reporting and annual compliance obligations
The risk of non-compliance
AUSTRAC can publish enforcement action. That creates operational, reputational, and referral damage beyond the financial penalty headline.
How we help
We package the work into a fixed-scope build so your team is not trying to assemble obligations from scattered guidance, starter kits, and half-finished notes.
Do real estate agents need AML compliance?
That is the expected outcome of Tranche 2. Agencies should prepare now instead of waiting for the final rush.
What property transactions are in scope?
Sale-side and transaction-related services are the area to review, not general marketing support work.
Why act before July 2026?
Because enrolment opens 31 March 2026 and agencies still need a program, procedures, training, and rollout time.
Start your program
Get a done-for-you AML/CTF build tailored to real estate agents.
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