AUSTRAC Tranche 2 deadline:113 days remaining
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 $22.2M. Build your AML/CTF programme in 15 minutes — free until 1 July 2026.
15 minutes. No account needed.
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 programme 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 $22.2 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.
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 programme
Answer guided questions about your agency. We generate a compliant AML/CTF programme covering risk assessment, policies, and procedures — consistent with AUSTRAC's Starter Kit.
Verify your clients
Send clients a digital verification link. They upload their ID, you review and approve. No paper, no scanning, no filing cabinets.
Stay compliant
Automated sanctions screening, ongoing monitoring, and record keeping. When AUSTRAC comes knocking, you're ready.
Features
Everything you need to comply
Purpose-built for Australian real estate agencies. Not a generic KYC tool bolted onto banking software.
AML/CTF Programme Generator
Answer a few questions about your agency. Get a compliant programme document covering risk assessment, policies, procedures, and controls — consistent with AUSTRAC's own Starter Kit.
Client Verification (CDD)
Verify your clients digitally — no paper forms. Send a link, collect documents, risk-rate. Done.
Sanctions & PEP Screening
Automated screening against DFAT's consolidated list and international PEP databases. Daily updates, instant results.
Compliance Dashboard
One dashboard. Green means you're compliant. Red means you're not. Track CDD progress, screening results, and obligations at a glance.
7-Year Record Keeping
Every compliance action logged automatically. Full audit trail stored for the legally required 7 years. Set and forget.
Free until 1 July 2026
Get set up now, pay later. All plans free until the AUSTRAC deadline. No credit card required to start.
Advisory panel
Built with compliance professionals
We're assembling an advisory panel of experienced AML/CTF professionals to help shape the tool and provide expert advice sessions.
Advisor
Experienced AML/CTF compliance professional
Available for Expert Advice sessions
Advisor
Experienced AML/CTF compliance professional
Available for Expert Advice sessions
Advisor
Experienced AML/CTF compliance professional
Available for Expert Advice sessions
Comparison
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
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 programme 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.
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
Is this legally sufficient for AUSTRAC compliance?
AML Simple is a compliance workflow tool — it helps you build your programme, verify clients, screen sanctions lists, and keep records as AUSTRAC requires. Our programme generator is consistent with AUSTRAC's own Programme Starter Kit structure. The tool handles the process; you make the compliance decisions for your agency.
Who's behind AML Simple?
We're a specialist compliance technology company focused entirely on helping Australian real estate agents meet their Tranche 2 obligations. All customer data is stored in Sydney, Australia.
What if the deadline gets extended?
AUSTRAC has been clear: the 1 July 2026 deadline will not be extended. But even if it were, you'll need to comply eventually. Getting set up now means you're ready — not scrambling.
Can I export my data if I leave?
Yes. All paid plans include CSV export. Professional adds PDF export. Agency adds API access on top. Your data is yours.
Do I need a lawyer or consultant as well?
Most small agencies won't. AML Simple guides you through everything AUSTRAC requires. If you want professional advice on top of the tool, we offer expert consultations from $199/session — but it's entirely optional.
I'm part of a franchise. Does head office handle this?
It depends on your franchise. Some provide group programmes, many don't. Either way, each agency is individually responsible for compliance. Take our free readiness quiz to see where you stand.
Don't wait until June
113 days to go. All plans free until 1 July 2026 — get set up now.
15 minutes. No account needed.