AML for real estate in Queensland
A Queensland agency’s licence to sell property is not an AML/CTF program. If the agency provides a real-estate designated service, it enrols with AUSTRAC and approves a program, the same Commonwealth test as any other state.
Quick answer
Use industry toolkits as a prompt, not as enrolment. REIQ material can help a principal start. It does not lodge the form and it is not the approved program. The national real-estate page is the sector note; this page is the Queensland office: the state licence, the salespeople who are not compliance staff, and the customer on a listing; who does the check is the other page; the client pays.
People search “AML for real estate Queensland” when a Brisbane agency holds a Queensland property licence and has downloaded an industry toolkit instead of enrolling. Checked against AUSTRAC’s real-estate designated services page on 4 October 2026. This is general information, not legal advice. This page does not reproduce that guidance. The national sector note is real estate AML compliance. Who inside the agency does the check is who does CDD for real estate agents. The sector map is /tranche-2.
Licence, toolkit, program
Queensland licenses people to do real-estate agency work. That is a state permission. Customer due diligence, enrolment, and the program are Commonwealth, and they apply because of the designated service, not because the office is in Brisbane or on the Gold Coast.
A toolkit from an industry body is a useful prompt for a principal who has not started. It becomes a problem when it is filed as if it were the program the senior manager approved. Sales staff who are not compliance specialists still need to know the one step that is theirs, which is a different page.
- State licence. It lets the agency do agency work in Queensland. It does not name an AML/CTF compliance officer.
- Toolkit. Use it to start. Then customise the AUSTRAC starter kit and approve that document.
- Enrolment. The agency lodges it. A downloaded PDF is not a receipt.
- The listing. The customer on that designated service is still identified under the program.
A Queensland office, not a second regime
What a Queensland agency already has, against AML. This table does not reproduce a state toolkit.
| Thing in the office | What it is | What it is not |
|---|---|---|
| Property-agent licence | State permission to do the work | AUSTRAC enrolment |
| Industry toolkit | A prompt and commentary | The approved program |
| Sales team | People who meet the customer | The compliance officer by default |
| Starter kit you customised | The base of your program | A national brochure left unread |
Where the Queensland agency page stops
This page is the Queensland agency’s setting. It is not the national real-estate note, and it is not who on the sales team runs the check. Those are real estate AML compliance and who does CDD for real estate agents.
What the client pays
On FreeAML the firm suite is A$0. The firm emails the client a link. Verification is client-pays. On the public list a personal KYC check is A$20 and a company or trust KYB check is A$40. Use KYB when the customer is a company or a trust. A state licence and an industry toolkit are not included in the firm suite, and neither enrols the agency. Confirm the live amounts on FreeAML pricing. FreeAML does not enrol a Queensland agency or replace an industry toolkit.
📚 Related Resources
Real Estate AML Toolkit →
Complete compliance toolkit for property agents.
Real Estate AML Guide →
Everything agents need to know about Tranche 2.
Free KYC Check →
Verify customer identity in 60 seconds. Government ID + AML screening.
Free AML Program →
Board-ready AML/CTF Program template. All 10 AUSTRAC sections included.
Risk Assessment Generator →
AI-powered ML/TF risk assessment. 20-page compliant report in 5 minutes.
Free AML Training →
Online courses for staff. CPD-certified certificates included.
Frequently Asked Questions
The listing still needs the customer’s check.
The firm suite is A$0. The client pays. The firm emails a link. Personal KYC is A$20. Company or trust KYB is A$40.
Open an AML checkQuestions: team@freeaml.com.au