AML/CTF Articles

Plain-English guides for
Australian real estate agents

Everything you need to understand your AML/CTF obligations under Tranche 2 — from AUSTRAC enrolment to CDD requirements, written for real estate agents and principals.

1 July 2026: AML/CTF obligations commence for real estate agents. Enrolment is now open.
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01
Tranche 2 · Start here · AUSTRAC
What is Tranche 2 AML for Real Estate Agents in Australia?
Most real estate agents have never had to think about anti-money laundering law. That changes on 1 July 2026. This plain-English guide explains what Tranche 2 is, why real estate is in scope, and exactly what you need to do before the deadline.
6 min read · March 2026 Read guide →
02
AUSTRAC · Enrolment · Step by step
AUSTRAC Enrolment for Real Estate Agents — Step by Step Guide
Enrolment opened 31 March 2026 and the deadline is 29 July 2026. This guide walks you through every step of the online enrolment process so you can get it done in under 20 minutes.
5 min read →
03
CDD · Verification · Buyers & Sellers
AML/CTF CDD Requirements for Real Estate — Who Do You Need to Identify?
Customer due diligence is the most day-to-day part of your AML obligations. Find out who you need to verify, when, what documents to collect, and what the rules are for sellers vs buyers.
7 min read →
04
AML Program · Templates · Free download
Real Estate AML Program Templates Australia — Free Download
Every agent needs a written AML/CTF program before 1 July 2026. We've built free Word templates you can adapt for your agency in under an hour — no lawyers required.
4 min read →
05
Penalties · Enforcement · Risk
What Happens if a Real Estate Agent Doesn't Enrol with AUSTRAC by July 2026?
Civil penalties up to $31.3M. Criminal liability. Licence risk. This guide explains the real consequences of missing the deadline — and why AUSTRAC is taking real estate seriously.
5 min read →
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