Estate agents brace for higher AML costs as compliance demands intensify
Estate agents brace for higher AML costs as compliance demands intensify

Estate agents and property firms are preparing to spend more on anti-money laundering (AML) compliance as growing workloads put increasing pressure on staff. New research from Thirdfort reveals that 61% of senior compliance professionals expect their firm’s AML budget to increase over the next 12 months. Just 6% anticipate cuts, compared with 31% last year.

Compliance teams set to expand

More than half (51%) also expect their compliance teams to expand, almost double the 26% recorded in 2025. The findings come as firms grapple with growing regulatory demands and increasingly complex compliance procedures.

Thirdfort’s survey of 200 senior compliance professionals found that 85% had experienced an increase in compliance demands over the past year. Almost two-thirds (63%) reported working overtime at least once a week to deal with AML-related issues, up sharply from 42% in 2025.

Firms struggle with fragmented systems

Despite the additional resources being allocated to compliance, confidence in existing procedures remains mixed. Just 52% of respondents believe their current compliance processes are very or extremely effective.

Larger firms expressed greater concern. Among businesses employing more than 150 people, only 46% rated their compliance processes as effective. That compares with 59% at firms with 25 employees or fewer.

Fragmented systems also remain a significant problem, with 81% of respondents identifying them as an ongoing challenge. The findings suggest that increasing compliance budgets alone may not resolve the administrative burden facing estate agencies.

Investment needed for complex decision-making

Olly Thornton-Berry, co-founder and CEO of Thirdfort, said: “Compliance teams in estate agencies and property firms face growing pressure, with a clear trend toward stricter regulation and higher compliance standards. As a result, senior compliance professionals expect to expand both their budgets and teams.

“Investment can bolster the expertise needed for complex decision-making and address the fragmented systems that create administrative burdens and potentially hide risks. This is crucial for embedding client due diligence processes and, ultimately, putting compliance professionals in control.”