AML/CTF Compliance · Australian Real Estate · Mandatory 1 July 2026

The compliance platform
every Australian
agent needs
right now.

From 1 July 2026, every real estate agent in Australia must comply with new AML/CTF laws for the first time. Lumiere covers all 8 mandatory AUSTRAC obligations — programme, CDD, SMR, training, record keeping and more. Built. Live. Ready today.

Start Compliance — from $149/mo Try Free Now →
AUSTRAC Starter Kit Aligned
AI-Powered CDD & SMR
Works Offline
No Setup Required
Days to Mandatory Deadline
—
Days Remaining
AML/CTF obligations commence 1 July 2026
AUSTRAC enrolment deadline 29 July 2026
Maximum Civil Penalty
$33M
per contravention · 100,000 penalty units
Get Compliant Today
70,000
Agencies legally required to comply
$33M
Maximum penalty per contravention
$28,650
Estimated manual compliance cost
$149
Per month with Lumiere
The Problem

Most agencies have
no system, no programme,
no training.

AML/CTF has applied to banks since 2006. For real estate agents, it starts 1 July 2026. You have weeks. Not months.

$33M
Maximum civil penalty
Up to 100,000 penalty units per contravention via Federal Court. At the current rate of $330 per unit. Non-compliance is published by AUSTRAC. The reputational damage is permanent.
2 yrs
Criminal imprisonment — tipping off
Telling anyone — including the client — that you have filed or are considering filing a Suspicious Matter Report is a criminal offence. Up to 2 years imprisonment or 120 penalty units, or both.
$28,650
Manual compliance setup cost
The Government's own Regulatory Impact Statement estimates this as the upfront cost for a small agency to achieve AML/CTF compliance manually. Plus $23,250 in annual ongoing costs.
29 Jul
AUSTRAC enrolment hard deadline
You must enrol with AUSTRAC by 29 July 2026. Enrolment is free but mandatory. Operating after this date without enrolment is a breach of federal law from day one.
The Platform

8 modules. Every
AUSTRAC obligation
covered.

Built to the AUSTRAC Real Estate Program Starter Kit. Aligned to the AML/CTF Amendment Act 2024 and AML/CTF Rules 2025.

01 / ENROLMENT
Readiness Tracker
8-item compliance checklist, live score, AI gap report, countdown to 1 July, key dates and penalty reference.
02 / PROGRAMME
Programme Generator
Fill in your agency details. AI generates a complete written AML/CTF Programme across all 8 mandatory AUSTRAC sections. Ready to print and sign today.
03 / CDD
Customer Due Diligence
Client details, 8 red flag checkboxes. AI generates risk rating (Low/Medium/High/Very High), exact document checklist, Enhanced CDD requirements.
04 / SMR
SMR Builder
Suspicious Matter Report formatted for direct submission to AUSTRAC Online. Tipping-off warning prominently displayed. Saves to records automatically.
05 / TTR
TTR Reporting
Threshold Transaction Reports for cash payments $10,000+. Explains triggers vs non-triggers. Structuring red flag warning included.
06 / RECORDS
Record Keeping
Log every compliance action. 7-year retention schedule. Exports complete compliance log as CSV. Suitable for AUSTRAC audit production.
07 / ANNUAL
Annual Report
Generates your first annual compliance report draft. First reporting period ends 30 June 2027. Report due to AUSTRAC by 30 September 2027.
08 / TRAINING
Staff Training
5 detailed modules. Knowledge quiz after each. AUSTRAC-compliant certificate issued with trainee name and date. Saves to training register for 7-year records.
How It Works

Compliant in
under an hour.

01
Open Lumiere
Access the platform at app.lumiereaustrac.com.au — or download the file and double-click to open offline. No signup required to start.
02
Generate Your Programme
Fill in your agency name, services and risk profile. Lumiere generates a complete AML/CTF Programme document aligned to the AUSTRAC Starter Kit. Print and sign.
03
Train Your Team
Run every staff member through the 5 training modules. Each receives a certificate. All records saved to your compliance log — ready for AUSTRAC audit.
Why Lumiere

The only platform
purpose-built
for real estate AML/CTF.

Feature Syntrico Instant Compliance LUMIERE
AI-powered CDD assessment✗✗✓
SMR builder for AUSTRAC Online✗✗✓
AML/CTF Programme generator✗✗✓
Staff training + AUSTRAC certificate✗Partial✓
7-year compliance record keeping✗✗✓
Annual report generator✗✗✓
Works offline (no setup)✗✗✓
AUSTRAC Starter Kit aligned✗✗✓
Price$97 PDF guide$199/mo genericFrom $149/mo

The deadline is not optional.

The Anti-Money Laundering and Counter-Terrorism Financing Amendment Act 2024 is law. Obligations commence 1 July 2026. Every real estate agent, buyer's agent and property developer in Australia is in scope.

Get Compliant Now
Pricing

Start today.
Cancel anytime.

No contracts. No lock-in. Cancel anytime. Every plan includes full access to all 8 compliance modules.

Agency Solo
$149
per month + GST
Single agent or boutique agency
  • All 8 AUSTRAC compliance modules
  • Unlimited AI CDD assessments
  • SMR & TTR builders
  • Staff training — up to 5 staff
  • AUSTRAC-compliant certificates
  • 7-year compliance log + CSV export
  • AML/CTF Programme generator
  • Annual report generator
  • Works offline — no setup
Get Started →
Agency Team
$299
per month + GST
Up to 15 agents
  • Everything in Solo
  • Up to 15 agents / staff users
  • Compliance Officer dashboard
  • Bulk training register
  • Multi-user access
  • Priority support
Get Started →
Franchise Network
$499
per office / per month + GST
20+ offices · Minimum 20 offices
  • Everything in Team, per office
  • Network compliance dashboard
  • Group training register
  • White-label option available
  • Dedicated account manager
  • Custom onboarding session
  • Bulk billing — one invoice
Contact Us →
One-time setup fee: $499 — Compliance Officer walkthrough, programme customisation, first CDD assessment. Any plan.

Try the free offline version — right now

Download the compliance tool. Double-click to open. No signup, no setup, no internet required. Forms, training and record keeping work immediately.

Open Free Version →
FAQ

Common questions.

Does Lumiere replace a lawyer or AML/CTF specialist? +
Lumiere is a compliance workflow platform, not legal advice. We strongly recommend having a qualified AML/CTF specialist review your written programme before implementation. Lumiere generates the framework — a specialist should sign off on it. This is also advisable for liability purposes.
Is Lumiere aligned to the AUSTRAC Starter Kit? +
Yes. Lumiere is built directly to the AUSTRAC Real Estate Program Starter Kit published February 2026, and the Anti-Money Laundering and Counter-Terrorism Financing Amendment Act 2024 and AML/CTF Rules 2025. The 8 modules correspond to the 8 mandatory obligation areas AUSTRAC identifies for real estate designated service providers.
Does the free version actually work for compliance? +
The free offline version handles the forms, training modules, certificate issuance and record keeping without any internet connection. The AI-powered features — CDD assessment, SMR generation, Programme generation — require an Anthropic API key. You can get a free key at console.anthropic.com/api-keys. The paid SaaS version includes API access without you needing your own key.
Do I need to enrol with AUSTRAC separately? +
Yes. Lumiere's Enrolment tab guides you through the AUSTRAC enrolment process and tracks your readiness, but the actual enrolment is done directly at austrac.gov.au — it's free, takes 15 minutes, and must be completed by 29 July 2026. Lumiere cannot enrol you on your behalf.
What happens to my records if I cancel? +
All your compliance records are stored in your browser's local storage — they belong to you, not us. Before cancelling, export your log as CSV from the Record Keeping tab. You also retain the HTML file itself, which can be opened offline at any time with your records intact on that device.
Can I use Lumiere for an entire franchise network? +
Yes — the Franchise Network tier is specifically designed for this. We offer a 90-day pilot at $499/office with no contract. Each office operates independently on the platform. A network-level dashboard gives you group training completion visibility. White-label option is available. Contact us to discuss a pilot for your network.
Act Now

The mandatory market
is here.

Every real estate agent in Australia must comply by 1 July 2026. Lumiere is the only purpose-built AI compliance platform for Australian real estate. Built. Tested. Live today.

Start Compliance — from $149/mo Try Free Now →