Content sourced from and aligned with AUSTRAC guidance and regulatory requirements.
Real Estate • ARCaml • AUSTRAC Tranche 2
ARCaml for Real Estate: Compliance Without the Headache
If you're in real estate, Tranche 2 probably keeps you up at night. We get it. You didn't get into property to become a compliance officer. Starting July 2026, you'll need to:
Verify every client's identity Check if they're politically exposed persons Assess their money laundering risk Keep records for seven years
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
Real Estate Starter Kit
Download your sector-specific starter kit to help you meet your AML/CTF obligations under AUSTRAC.
Compliance Roadmap
Your AML/CTF Compliance Journey
Step-by-step guidance for real estate professionals.
Subscribe to ARCaml
Step 1Sign up for ARCaml's CDD as a Service. We'll set up your account and configure it for real estate compliance requirements.
Send buyers & sellers link from ARCaml
Step 2When onboarding vendors or purchasers, send them through our secure portal. We handle the entire KYC/KYB verification process.
Verify identity & ownership
Step 3ARCaml verifies identities, checks beneficial ownership structures, screens against PEP & sanctions lists — all AUSTRAC compliant.
Get compliance pack
Step 4Receive a settlement-ready compliance pack confirming your due diligence is complete. Ready for exchange of contracts.
Complete your transaction
Step 5Proceed with confidence to settlement. ARCaml retains records for 7 years — PEXA and audit ready.
Annual Subscription
Simple, transparent pricing with flexible credit-based usage.