⚠ AUSTRAC ENROLMENT DEADLINE: 29 JULY 2026 — —
AML/CTF Compliance · Australian Real Estate · Enrolment Deadline 29 July 2026

AUSTRAC enrolment
closes 29 July 2026.
Are you ready?

From 1 July 2026, every real estate agent in Australia must comply with new AML/CTF laws. The AUSTRAC enrolment deadline is 29 July 2026. Lumière guides you through all 8 AUSTRAC obligations — programme, CDD, SMR, training, record keeping and more — so nothing critical is missed.

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AUSTRAC Starter Kit Aligned
AI-Powered CDD & SMR
Works Offline
No Setup Required
Days to AUSTRAC Enrolment Deadline
—
Days Remaining
AML/CTF obligations commenced 1 July 2026
AUSTRAC enrolment deadline 29 July 2026
Maximum Civil Penalty
$33M
per contravention · 100,000 penalty units
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70,000+
Tranche 2 businesses now in scope
$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 written AML/CTF Programme covering the mandatory elements, tailored to your agency. Ready to review, finalise and sign.
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

Compliance-ready
in under an hour.

01
Sign Up & Log In
Create your account at lumiereaustrac.com.au and log in. Your work saves automatically to your secure account — accessible from any device, any time.
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

A platform
purpose-built
for real estate AML/CTF.

Feature PDF guide Generic compliance tool 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✗✗✓
Saves automatically — access anywhere✗✗✓
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
Not Just for the Deadline

Lumière is your
ongoing compliance platform
— year after year.

AML/CTF compliance isn't a one-time task. Once you're enrolled, you have ongoing obligations that continue every year — and Lumière is built to support your agency for the long term.

Every Transaction
CDD on Every Client
Every buyer and seller you act for requires customer due diligence. Lumière makes this fast, consistent and documented — every single time.
Every Year
Annual Compliance Reporting
Your annual compliance report is due to AUSTRAC by 30 September each year. Lumière generates your report draft automatically from your year's records.
7 Years
Audit-Ready Records
AUSTRAC requires you to keep all compliance records for 7 years. Lumière stores, organises and exports your complete audit trail — ready at any time.
Free Resource

Not ready to subscribe?
Get your free AUSTRAC checklist.

Download our free 8-point AUSTRAC compliance checklist — the exact obligations every real estate agent must meet. We'll also send you a reminder before the 29 July deadline.

No spam. Unsubscribe anytime.
Pricing

Start free.
7 days on us.

7-day free trial. Full access from day one. Your card is charged only when the trial ends — cancel anytime before then. Every plan includes all 8 compliance modules.

Agency Solo
$149
per month + GST
Single agent or boutique agency
✓ 7-day free trial — cancel anytime
  • 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
  • Saves automatically — access from any device
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Agency Team
$299
per month + GST
Up to 15 agents
✓ 7-day free trial — cancel anytime
  • Everything in Solo
  • Up to 15 agents / staff users
  • Compliance Officer dashboard
  • Bulk training register
  • Multi-user access
  • Priority support
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See Lumiere AUSTRAC in action

Book a private demo and we'll walk you through the full platform — programme generation, CDD, sanctions screening, SMR, training and audit — using your agency's details.

Book a Demo →
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.
What's included in a subscription? +
Every subscription includes the complete platform — all 12 compliance tools covering the 8 mandatory AUSTRAC obligations: enrolment tracking, AML/CTF programme generation, risk register, CDD and identity verification, live sanctions and PEP screening, SMR and TTR reporting, ongoing monitoring, audit trail, annual reporting, staff training with certification, and the quick CDD field tool. The AI-powered features work out of the box — no API key, no setup. Book a demo to see it all in action.
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 securely in your account database — they belong to you, not us. Before cancelling, export your log as CSV from the Record Keeping tab. Your records remain accessible as long as your account is active.
Can I use Lumiere across multiple offices? +
Yes. Each office can run on its own plan, and larger groups can be set up with multiple Team plans. If you're managing several offices and want to discuss the best arrangement, email admin@lumiereaustrac.com.au and we'll help you set it up.
Act Now

AUSTRAC enrolment closes
29 July 2026.

Every real estate agent in Australia must meet their AML/CTF obligations. Lumière is purpose-built for real estate — get started today with a free 7-day trial. Cancel anytime before it ends.

Start Free 7-Day Trial → Book a Demo →