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Australia’s AML/CTF regime, explained for real estate

24plain-English guides to AUSTRAC Tranche 2 — written for principals, sales agents, and admins, not lawyers. What changes on 1 July 2026, what your agency must have in place, and how to do it without losing your weekends.

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24 articles · 6 sectionsLast reviewed against AML/CTF Rules 2025 on 30 April 2026
56days to 1 July 2026

Where to start

Pick the door that fits your role

I’m aprincipal

Start with what changes and why

I’m asales agent

Start with what services bring you in scope

I’m aadmin or PA

Start with reliance arrangements and CDD procedures

The full hub

All 24 articles, in the order they matter

From what the regime is, to whether it applies to you, to what you must do, to how the work plays out on a Tuesday morning.

01The Basics
1 article
  1. 01What is AUSTRAC Tranche 2 and why does it apply to me?
02Does It Apply To You?
5 articles
  1. 02What is a "designated service" — and which of mine count?
  2. 03Who's the "reporting entity" — me, my agency, or my franchise?
  3. 18Common myths, debunked
  4. 19Does property management need to comply with AUSTRAC?
  5. 20Buyer's agents and AUSTRAC — what you need to know
03Your Obligations
6 articles
  1. 04AUSTRAC enrolment and registration — what, when, how
  2. 07Customer due diligence (CDD) — what you must collect and verify
  3. 12Threshold transaction reports (TTRs)
  4. 13Record keeping — 7 years of what, exactly
  5. 14Training and the "fit and proper" person test
  6. 15Appointing your AML/CTF Compliance Officer
04Building Your Programme
3 articles
  1. 05The AML/CTF programme under the 2025 Rules
  2. 06ML/TF risk assessment — how to actually do one
  3. 15Independent review
05Day-to-Day Operations
7 articles
  1. 08Beneficial ownership — the trickiest part
  2. 09PEP and sanctions screening
  3. 10Enhanced customer due diligence (ECDD) — when and how
  4. 11Suspicious matter reports (SMRs)
  5. 16Reliance arrangements — can someone else do my CDD?
  6. 17Customer due diligence at auction — compressed timelines and practical solutions
  7. 18CDD on companies, trusts, and SMSFs as buyers
06Audit, Records & Penalties
2 articles
  1. 17Penalties — what's actually at stake
  2. 20What happens if I miss the 1 July 2026 AUSTRAC deadline?

What this hub is, and isn’t

This hub is an educational resource on Australia’s AML/CTF regime as it applies to real estate. We explain the Rules 2025, AUSTRAC’s expectations, and the operational reality of compliance for agencies. We are not a law firm and nothing here is legal advice. We are Korvos — we build software that helps agencies meet these obligations — but the articles below are written to be useful whether or not you ever speak to us. If something here is wrong or unclear, tell us.

This Week in AUSTRAC.

A short note when something changes. No marketing.