Enrol with AUSTRAC
Within 28 days of first providing a designated service. Your Overview checklist tracks it and records the services you selected.
Screen: OverviewAML/CTF compliance · Tranche 2 · Australia
AML compliance software for real estate agents
From 1 July 2026, agencies that broker sales are reporting entities under Australia's AML/CTF Act. RealtyAML gives an agency of one to ten people everything AUSTRAC expects, in one plan, without a consultant.
- AU$99.90 / month inc. GST, one plan
- No card until you decide to keep it
- Records kept 7 years, never deleted
app.realtyaml.com.au/
RealtyAMLOverviewProgramClientsReviewsReportsAudit trailTrainingSubscription
Overview
AML/CTF programv3Reviewed 12 Aug 2026
Clients on file184Active, not archived
High-risk clients6Enhanced due diligence
What AUSTRAC expects from you4 of 7 done
Enrol with AUSTRAC as a reporting entityDone
Adopt a written AML/CTF programv3
Verify identity before every designated service2 pending
Report suspicious matters within 3 business daysDue in 2 days
What changed on 1 July 2026
The AML/CTF Act now covers your practice. These are the numbers that matter.
28days to enrol with AUSTRAC after your first designated service
3business days to lodge a suspicious matter report
$10kcash threshold for a transaction report, due within 10 business days
7years every identification and transaction record must be kept
Seven obligations, seven screens
Everything AUSTRAC expects from a reporting entity, and nothing it does not.
Enterprise AML platforms are built for banks. A firm of four needs one place for each legal duty, with the deadline visible and the record kept. That is the whole product.
Adopt a written program
Answer ten questions about your practice. The program is generated, versioned on every save, and printed for signature.
Screen: ProgramAppoint a compliance officer
Named in the program and in your enrolment. The annual review reminder is addressed to them.
Screen: ProgramVerify every client
Record the document sighted, who verified it and when. Rules rate each client low, medium or high as you type.
Screen: Clients & KYCReview risk on schedule
High every 6 months, medium 12, low 24, plus the yearly program review. One button records the review.
Screen: ReviewsReport to AUSTRAC
Log a suspicion or a cash transaction and the legal clock starts. Mark it lodged. Generate the annual summary.
Screen: ReportsKeep records for 7 years
Nothing is ever deleted. Every action is timestamped in an audit trail you can hand to AUSTRAC as a CSV.
Screen: Audit trailThe product
Three screens carry most of the work.
Program: generated from your answers
Answer ten questions about your agency: services, staff, risk factors, compliance officer. RealtyAML generates your AML/CTF program, versions it each time you save and gives you a document to print and adopt.
- Purpose and scope, designated services, risk assessment
- Customer due diligence, ongoing monitoring, reporting
- Record keeping, training, independent review
- Every save is a new version with its own review date
AML/CTF Program
Harbourside Advisory Pty Ltd · ABN 11 222 333 444 · Real estate agency
Version 3, adopted 12 Aug 2026 · Next review 12 Aug 2027
Version 3, adopted 12 Aug 2026 · Next review 12 Aug 2027
1. Purpose and scope
Harbourside Advisory Pty Ltd (the Firm) is a reporting entity under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth). This program sets out how the Firm identifies, mitigates and manages the risk that its designated services could be used to launder money or finance terrorism…
3. Money laundering risk assessment
Having regard to its client base, services, delivery channels and jurisdictions, the Firm assesses its overall inherent risk as MEDIUM.
4. AML/CTF compliance officer
Priya Nair is appointed AML/CTF compliance officer and is responsible for this program, staff training and lodging reports with AUSTRAC…
ADOPTED · v3 · 12 AUG 2026Clients and KYC, with the risk rating as you type
Record the identity document you sighted for each vendor or buyer, who verified it and when. Built-in rules rate each client low, medium or high risk and set the next review date. Nothing is ever deleted.
- Politically exposed persons, cash, third parties, unclear source of funds
- Beneficial owners for companies and trusts
- Enhanced due diligence prompts for high-risk clients
app.realtyaml.com.au/clients
Client register
ClientRisk
Bluegum Property Holdings Pty Ltd
Company · ASIC extract · reviewed 3 Jun 2026medium
Company · ASIC extract · reviewed 3 Jun 2026medium
The Meng Family Trust
Trust · Trust deed · not met face to facehigh
Trust · Trust deed · not met face to facehigh
Daniel Okafor
Individual · Driver licence · sighted by P. Nairlow
Individual · Driver licence · sighted by P. Nairlow
Kestrel Logistics Pty Ltd
Company · ASIC extract · matter AU$1.9mmedium
Company · ASIC extract · matter AU$1.9mmedium
Reports and audit trail that cannot be edited
Log a suspicious matter or a cash deposit over the threshold and the legal deadline starts counting. Every action in the agency is timestamped in an audit trail you can hand to AUSTRAC as a CSV.
- Suspicious matter reports, threshold transaction reports, annual compliance report summary
- Staff training module with recorded results, repeated yearly
app.realtyaml.com.au/reviews
Reviews due
ItemStatus
Lodge SMR with AUSTRAC — The Meng Family TrustDue in 2 days
Bluegum Property Holdings · Client, medium riskDue in 18 days
AML/CTF program annual review (v3)In 322 days
Daniel Okafor · Client, low riskIn 611 days
One plan. Everything included.
AU$99.90 per firm, per month, inc. GST
14-day free trial. Your card is charged on day 15 unless you cancel. Cancel any time from the Subscription page.
- AML/CTF program, generated and versioned every time you save
- Unlimited clients, identification records and risk ratings
- Review reminders, SMR and TTR deadlines, annual report summary
- Staff training module with recorded results
- Audit trail you can download for AUSTRAC, unlimited staff users
What it replaces
A consultant writing your programTypically several thousand dollars, once. The document then sits in a drawer while the ongoing work stays yours.
A spreadsheet and a folder of ID scansFree, until AUSTRAC asks when a client was last reviewed and who sighted their licence.
Enterprise AML platformsBuilt for banks, priced per seat, full of screens a four-person firm will never open.
Questions people ask
Straight answers, written for a practice, not a bank.
- Do real estate agents need to comply with AML/CTF laws in Australia?
- Yes, if they broker the sale, purchase or transfer of real estate. From 1 July 2026 sales agents, buyers agents and agencies receiving deposits into trust are reporting entities. Residential property management on its own is not a designated service.
- What does RealtyAML actually do?
- It gives an agency one place for each legal obligation: a generated and versioned AML/CTF program, vendor and buyer identification and risk records, review reminders, suspicious matter and threshold transaction logging with deadlines, staff training, and a tamper-evident audit trail.
- Is RealtyAML legal advice?
- No. It is software that helps you record and manage your obligations. The program it generates is a template built from your answers; your agency decides whether it fits and adopts it.
- How much does it cost?
- AU$99.90 per agency per month, including GST, with a 14-day free trial. One plan, everything included.
- We are a two-person agency. Do we need all this?
- Yes. The obligations apply to the reporting entity, not to its size. The program is simply shorter.
Who is behind it
Built by a small business for small businesses that now answer to AUSTRAC.
RealtyAML is built for real estate agents, buyers agents and agencies in Australia that became reporting entities on 1 July 2026 and need a practical way to meet the AML/CTF obligations without hiring a compliance consultant.
The product does one thing per legal obligation and nothing else: a program, client records, reviews, reports, training and an audit trail. One plan, one price, and every screen designed so a sales team can use it without reading a manual.
Set up your program in the first ten minutes.
Fourteen days free. No card details until you decide to keep it.