AUSTRAC compliance deadline: 1 July 2026

AML/CTF Compliance Templates
for Real Estate Agencies

18 editable documents covering the AUSTRAC obligations that apply to real estate agencies. Built for agencies that want to handle compliance in-house.

Looking for done-for-you installation? See our premium service →

18 Professional Compliance Documents

Organised by category. Every document is editable and yours to keep.

Core Program

AML/CTF Program Document

The core compliance program addressing AUSTRAC's key obligations for real estate agencies.

DOCX

ML/TF Risk Assessment

Enterprise-wide money laundering and terrorism financing risk assessment covering all applicable risk categories.

DOCX

Risk Scoring Matrix

Automated customer risk scoring tool with individual and company/trust scoring worksheets.

XLSX

Compliance Mapping Table

Maps each AUSTRAC obligation to the corresponding section and evidence artifact in your compliance system.

XLSX

Customer Due Diligence (CDD) Forms

CDD Form: Individual

Customer identification and verification form for individual clients.

DOCX

CDD Form: Company / Trust

Identification form for companies, trusts, and other entity types with beneficial ownership identification.

DOCX

Enhanced CDD Form

Enhanced due diligence for high-risk customers, PEPs, and elevated risk transactions.

DOCX

PEP / Sanctions Screening Checklist

Structured screening process for Politically Exposed Persons, sanctions lists, and DFAT consolidated list checks.

DOCX

Ongoing CDD Review Form

Periodic review form for existing customer relationships with KYC verification, re-screening, and updated risk assessment.

DOCX

Screening & Reporting

Suspicious Matter Report (SMR) Guide

Step-by-step process for identifying, documenting, and reporting suspicious matters to AUSTRAC.

DOCX

Suspicious Indicators Guide

Real estate-specific red flags and indicators of money laundering and terrorism financing.

DOCX

Threshold Transaction Report (TTR) Log

Compliance Officer log for tracking all cash transactions of $10,000 or more reported to AUSTRAC.

DOCX

Operational & Training

Staff Training Presentation

Ready-to-deliver training deck covering AML/CTF obligations, CDD procedures, and suspicious matter reporting.

PPTX

Training Completion Log

Staff training records with sign-off tracking and summary by staff member.

XLSX

Independent Evaluation Checklist

AML/CTF program independent review template for assessing your compliance against AUSTRAC requirements.

DOCX

AUSTRAC Enrolment Guide

Step-by-step guide for enrolling your agency with AUSTRAC as a reporting entity.

DOCX

Privacy Collection Notice

Customer-facing notice explaining why personal information is collected for AML/CTF compliance under the Privacy Act 1988.

DOCX

Annual Compliance Report Checklist

Preparation checklist for your yearly AUSTRAC compliance report submission, covering all required reporting areas.

DOCX

AUSTRAC Starter Kit vs GateCrown DIY Kit

AUSTRAC provides a free starter kit designed for smaller businesses with straightforward compliance needs. If your agency has a larger team, multiple designated services, or a more complex risk profile, you may need more detailed documentation.

Feature
AUSTRAC Starter Kit
GateCrown DIY Kit
AML/CTF Program document
Enterprise-wide risk assessment
CDD forms (individual, company/trust, enhanced)
PEP & sanctions screening checklist
Suspicious matter reporting guide
Staff training deck + assessment
Compliance mapping table
Risk scoring matrix & training log
Ongoing CDD review form
Independent evaluation checklist
Suitable for larger teams / complex agencies

Based on AUSTRAC's published starter kit scope as at March 2026. AUSTRAC's starter kit is described as being for smaller businesses with straightforward compliance needs.

Built for agencies handling compliance in-house.

Small Agencies

Agencies with 1–5 staff who want thorough compliance templates without the cost of a full installation.

Experienced Teams

Agencies with in-house compliance knowledge who just need structured, well-drafted templates to work from.

Agencies Watching Costs

Agencies that need to comply before 1 July 2026 but want to manage costs by implementing the program themselves.

One kit. One price.

The core documents and templates to build your compliance program internally.

GateCrown DIY Kit

$1,495
AUD
  • 18 editable compliance documents
  • Instant download after purchase
  • Yours to keep and edit, no subscription
  • Word, Excel, and PowerPoint formats
  • Covers the key AUSTRAC obligations for real estate agencies
Get the Kit - $1,495 →

Need help implementing? Our done-for-you service handles everything. Your full $1,495 DIY Kit purchase is credited toward Guided Setup or Complete Install if you upgrade within 90 days.

Frequently asked.

All documents are delivered in editable Microsoft formats: Word (.docx), Excel (.xlsx), and PowerPoint (.pptx). You can open, edit, and customise them using Microsoft Office, Google Workspace, or any compatible application.
Yes. The documents are professional templates that need to be tailored to your agency's specific circumstances: your agency name, ABN, designated services, staff structure, and risk profile. Placeholder fields are clearly marked throughout so you know exactly what to fill in.
The kit covers AUSTRAC's published obligations for real estate agencies. But compliance depends on how you fill these in, run them, and keep them up to date. We recommend getting independent legal advice for your specific circumstances. These documents give you the structure, not a guarantee of compliance.
The DIY Kit gives you the same 18 templates, but you do the customisation and implementation yourself. Our done-for-you service includes customisation to your agency, a walkthrough call, and bounded implementation support. If you start with the DIY Kit and decide you'd like help, your full $1,495 purchase is credited toward Guided Setup or Complete Install if you upgrade within 90 days.
Yes. If you purchase the DIY Kit and later decide you'd prefer professional installation, your full $1,495 purchase price is credited toward Guided Setup ($2,950) or Complete Install ($4,950). This credit applies if you upgrade within 90 days of your original purchase.
No. The kit is licensed for use by a single agency (one ABN). You cannot redistribute, resell, or share the templates with other agencies or businesses. See our Terms & Conditions for full licensing details.

Important Notice

GateCrown is not a law firm, accounting firm, or licensed compliance advisor. The DIY Kit contains informational templates based on publicly available AUSTRAC guidance, the AML/CTF Act 2006 (Cth), and the AML/CTF Rules 2025. These documents do not constitute legal, financial, or professional advice.

You are responsible for customising these templates to your agency's specific circumstances and ensuring your compliance program meets AUSTRAC's requirements. We strongly recommend engaging a qualified legal professional to review your completed compliance documentation before relying on it for regulatory purposes.

The AML/CTF rules for real estate are brand new and AUSTRAC is still updating its guidance. You are responsible for monitoring regulatory developments and keeping your compliance program current.