HOW IT WORKS!
HAVING THE RIGHT INFRASTRUCTURE
Property360 Agency- Overview
Property360 Agency is an end-to-end compliance and transaction-support model designed for Australian real-estate agencies, with a strong focus on AML/CTF readiness, operational risk reduction, and improved transaction outcomes.
What it does
Property360 embeds a licensed finance professional into the real-estate workflow to manage:
- AML/CTF data capture and verification (ID, source of funds, transaction profiling)
- Client onboarding and risk categorization
- Secure document handling and audit trails
- Imbeds your very own finance arm, pre-qualification and deal structuring alongside the property transaction, adds a new
income stream and many other benefits to create a cashflow positive extension to the business.
Why it matters
- AUSTRAC penalties for AML breaches can exceed $22.2 million per contravention
- Real estate has been formally identified as a high-risk sector for money laundering in Australia
- Most agencies lack in-house AML expertise and systems designed for property transactions.
Key structural advantage
Unlike software-only AML tools, Property360:
- Uses an accredited broker operating under an Australian Credit Licence (ACL)
- Leverages brokers already trained in AML/CTF under the AML/CTF Act 2006
- Places compliance accountability at licence level, not with untrained admin staff
Commercial benefit
- Typical contract conversion uplift when finance is embedded: 15–30%
- Reduces transaction fallout due to late finance failure
- Monthly Finance Commissions and an additional saleable asset (see example on home page)
- Fixed, predictable cost (≈ $495 per month), materially lower than: standalone AML platforms compliance consultants post-
breach remediation
Training & IP
- Full Training provided to Principal and agents
- Finance Manager undertakes appropriate training to deliver bespoke AML framework.
- Systems and forms implemented, AUSTRAC ready and compliant.
Bottom line
Property360 is not just a compliance software/system.
It is a risk-managed operating model that:
- protects agencies from AML exposure,
- strengthens regulator defensibility,
- and monetizes transactions through embedded finance—without increasing operational burden.
How do we get started?
Choose the right package.
Speak with our representative to confirm the most suitable package for your business and execute the agreement.
Appoint your Finance & Compliance Manager.
You can nominate an existing mortgage broker (who we will train and accredit), or Property360 can appoint and train a suitably qualified broker with strong AML capability for your office.
Embed the role into your business.
Once selected, your Finance & Compliance Manager is embedded directly into your office and day-to-day workflow.
Implement AML and AUSTRAC compliance.
Your Finance & Compliance Manager provides all required documentation and delivers AUSTRAC-compliant AML training for you and your staff.
Activate the program.
The full Property360 framework is rolled out, ensuring AML compliance while simultaneously launching and growing your in-house finance capability.
No payroll, full integration.
Your Finance & Compliance Manager is contracted to your office—no payroll costs—yet operates as a trusted, fully integrated member of your team, aligned to your brand and long-term growth.
