109 days to comply — start freeAUSTRAC Tranche 2 deadline:109 days remaining — start free
Australian real estate agents: get AML compliant
From 1 July 2026, every agency that brokers the purchase, sale, or transfer of property must comply with new anti-money laundering laws. Fines up to $33M. Build your AML/CTF program in 15 minutes. Start free — paid plans free until 1 July 2026.
15 minutes. No account needed. No credit card.
Who this is for
Built for real estate agencies.
Not banks. Not lawyers. You.
If your agency brokers the purchase, sale, or transfer of property in Australia, AUSTRAC's Tranche 2 reforms apply to you. Whether you're a solo buyer's agent or a 50-person agency — you need an AML/CTF compliance program by 1 July 2026.
The problem
The deadline is real.
The fines are steep.
AUSTRAC's Tranche 2 reforms take effect 1 July 2026. Non-compliance carries penalties of up to $33 million per contravention. The government estimates it costs $28,650 per business to set up — using consultants.
What AUSTRAC expects you to have by July:
AML Simple helps you manage every one of these. That's the whole point.
Takes 15 minutes. No account needed. No credit card.
How it works
Three steps to compliance
You sell houses, not compliance consulting. We built this so you can tick the AML box and get back to work.
Build your program
Answer guided questions about your agency. We generate a compliant AML/CTF program covering risk assessment, policies, and procedures — consistent with AUSTRAC's Starter Kit.
Verify your clients
Add your clients to the system, record their identity information, and let the app risk-rate them. CDD requirements are built in — you just follow the steps.
Stay compliant
Automated sanctions screening, ongoing monitoring, and record keeping. When AUSTRAC comes knocking, you're ready.
Features
Built for real estate. Ready for AUSTRAC.
Purpose-built for Australian real estate agencies — not a generic KYC tool bolted onto banking software.
Compliance Dashboard
Know your compliance status at a glance
One dashboard. See exactly where you stand — clients verified, screenings run, obligations met. When something needs attention, you'll know immediately.
- Real-time health score with action items
- Deadline countdown so nothing sneaks up on you
- Track every obligation in one place
How many property transactions does your agency handle per year?
AML/CTF Program Generator
A compliant program in 15 minutes — not 15 weeks
Answer plain-English questions about your agency. Get a program document consistent with AUSTRAC's own Starter Kit — covering risk assessment, policies, and controls.
- Step-by-step wizard, no compliance jargon
- Tailored to your agency size and transaction volume
- Download-ready PDF, updated when regulations change
Client Due Diligence
Verify clients and screen sanctions — in seconds
Send a verification link, collect documents digitally, and screen against DFAT's consolidated list automatically. No paper, no chasing, no guesswork.
- Auto risk-rating based on client profile
- DFAT sanctions + PEP database screening
- Full audit trail kept for 7 years automatically
Sanctions & PEP screening
Automated screening against DFAT's consolidated list and international PEP databases. Daily updates, instant results.
7-year record keeping
Every compliance action logged automatically. Full audit trail stored for the legally required 7 years. Set and forget.
Need compliance advice alongside the tool?
AML Simple handles your workflow. When you need human guidance on complex compliance questions, independent AML/CTF professionals are available through our Expert Advice service.
Learn about Expert Advice sessionsComparison
How agencies are dealing with Tranche 2
You've got three options. We think one is clearly better.
| AML Simple | DIY / figure it out | Hire a consultant | |
|---|---|---|---|
| Setup cost | $0 | Your time (weeks) | $28,000+ |
| Monthly cost | From $79 | Spreadsheets & hope | $2,000+/yr |
| Time to comply | 15 minutes | 4-8 weeks of research | 4-8 weeks |
| Ongoing monitoring | Automated | Manual | Paid separately |
| Audit-ready records | Built in | DIY filing system | Paper-based |
| Built for RE agents | Yes | Generic templates | Generic advice |
Setup cost
Monthly cost
Time to comply
Ongoing monitoring
Audit-ready records
Built for RE agents
* Consultant cost sourced from Government Regulatory Impact Statement. Information current as of March 2026.
The Complete AML/CTF Guide for Australian Real Estate Agents
The only plain-English, step-by-step guide to Tranche 2 compliance for real estate agents. Covers all 19 obligations, CDD checklists, sanctions screening, SMR red flags, and printable templates. 40+ pages — everything you need to understand your obligations.
- All 19 AUSTRAC obligations explained in plain English
- Step-by-step CDD, screening, and reporting guides
- Printable checklists and templates
- Real estate-specific red flags reference card
Instant PDF download. This is an educational resource, not compliance advice.
The Complete
AML/CTF Guide
for Australian
Real Estate Agents
AML Simple
Trust
You're trusting us with your compliance.
Here's why you can.
AUSTRAC Starter Kit consistent
Our program generator is consistent with AUSTRAC's own recommended structure — the same framework they publish for free.
All data stored in Sydney
Your compliance data never leaves Australia. Hosted in Sydney (ap-southeast-2).
7-year record storage
We store your records for the full retention period required by law. You don't have to manage it.
30-day money-back guarantee
Not the right fit? Full refund, no questions asked.
Bank-grade security
Row-level security, encrypted at rest, SOC 2 compliant infrastructure.
No hidden costs
What you see is what you pay. No surprises, no lock-in, cancel any time.
Be among the first agencies ready.
AML Simple launched in early 2026. We're onboarding our first agencies now — paid plans free until 1 July 2026, with direct access to our team. Get compliant before the June rush.
Get set up for free
All plans are free while obligations don't yet apply. Get your program, CDD, and screening set up at no cost — pay only when the deadline hits.
Direct access to our team
Early adopters get direct access to our team. Questions about your obligations? Feedback on how the tool works for your agency? We're listening.
Get compliant before the rush
Expect a June scramble as agencies rush to comply before the deadline. Agencies that get set up now avoid the bottleneck — and have records from day one.
Paid plans free until 1 July 2026. Cancel any time.
Expert advice
Built by compliance professionals.
Supported by them, too.
We're building this tool with input from AML/CTF compliance professionals. When you need human guidance on top of the software, those same professionals will be available for one-on-one sessions. Tool and advice — clearly separated, clearly priced.
Advisors are independent professionals, not employees of AML Simple.
FAQ
Common questions
Don't wait until 1 July 2026
109 days to go. Paid plans free until 1 July 2026 — get set up now.
15 minutes. No account needed. No credit card.