ARCaml for Real Estate: Compliance Made Simple
For real estate professionals, Tranche 2 introduces substantial new AML/CTF obligations. Your focus is on property - not compliance administration. Starting July 2026, you'll need to:
Real Estate: AUSTRAC Designated Reporting Entity
From 1 July 2026, real estate professionals have AML/CTF obligations. AUSTRAC identifies real estate as an established money laundering channel in Australia.
Designated Services
- • Brokering sale, purchase or transfer of real estate
- • Selling real estate without an agent (developers)
Property management is NOT a designated service
CDD Timing Requirements
- • Seller's agent: CDD at listing/engagement
- • Buyer's agent: CDD at engagement
- • Both parties: CDD when transaction expected to proceed
- • Auctions: CDD immediately after successful bid
Source of Funds Red Flags
- • Large cash deposits or full cash purchases
- • Third parties providing funds
- • Funds don't match buyer's financial standing
- • Deposits from multiple accounts
Transaction Red Flags
- • Rapid buy-sell transactions (flipping)
- • Price above/below market value
- • Purchases sight-unseen
- • Last-minute purchaser changes
Structure Red Flags
- • Complex corporate structures
- • Multiple shell company purchases
- • Reluctant to disclose beneficial owners
- • Foreign buyers, no local presence
Key Dates for Real Estate
- 31 March 2026: AUSTRAC enrolment opens
- 1 July 2026: AML/CTF obligations commence
- 29 July 2026: Enrolment deadline (within 28 days of first designated service)
How ARCaml Solves Your Compliance Challenge
ARCaml is a CDD as a Service platform that handles your customer due diligence obligations so you can focus on selling property.
Identity Verification
Automated KYC for buyers, sellers, and beneficial owners using government ID verification
Beneficial Ownership
Identify who really owns corporate buyers-trusts, companies, and complex structures
Source of Funds
Verify how buyers will fund their purchase-deposits, finance, and cash sources
PEP & Sanctions
Screen all parties against global PEP and sanctions lists-AUSTRAC compliant