AML without the uncertainty
Coadjute helps estate agents meet AML requirements with confidence.
We take responsibility for setting up governance, managing risk, and maintaining compliance controls, allowing agents to focus on progressing transactions and serving clients.
Buyers and sellers benefit from a simpler experience, with fewer delays and less repetition. Agents benefit from reduced risk, clear audit trails, and confidence that compliance is handled properly.
Audit-ready always
Coadjute is fully aligned with the 34 risks required by HMRC, and records every aspect involved in identifying and mitigating AML risk, all ready for audit.
Guaranteed compliance
We cover and evidence 100+ risk indicators outlined by UK Government – including Source of Funds and Source of Wealth. Everything HMRC expects.
Enterprise-grade technology
The market leading platform, including fully integrated app, secure messaging, document handling and payments, and workspaces for each participant.
Zero admin
You send a link to your client, we handle the rest. No chasing, no paperwork.
No cost
Our fully managed service works on a disbursement model. No set up fees, no hidden costs.
Easy for Buyers & Sellers
Seamless all-in-one digital experience for your buyers and sellers, full backed by our UK-based service team.
The Coadjute difference
Coadjute = Confidence
Hunters passed their HMRC audit with confidence
Could your estate agency pass an unexpected HMRC audit tomorrow? In February 2025, Hunters Shipley, a Coadjute Assured Compliance customer, was chosen by HMRC for an audit of their AML processes.
See how Coadjute helped Hunters pass the audit by building a strong compliance first culture, safeguarding their agency for the future.
How do you manage
your compliance checks?
Three approaches, three different risk profiles.
All done in-house
- You carry 100% of the burden of maintaining compliance
- You need to evidence all 34 risk indicators, including mitigation for EDD
- You need to fully evidence Source of Wealth and Source of Funds, not just Proof of Funds
- Your BWRAs and PCPs need to be complete, up to date and reflective of real branch activity
- You need to evidence how complex cases are handled including giftors, trusts, companies, overseas clients.
The "Hybrid" approach
- Uses an ID app but these just do screening, only a small part of full AML compliance
- You still need to evidence all 34 risk indicators, including mitigation for EDD
- You need to fully evidence Source of Wealth and Source of Funds, not just Proof of Funds
- Your BWRAs and PCPs need to be complete, up to date and reflective of real branch activity
- You need to evidence how complex cases are handled including giftors, trusts, companies, overseas clients.
Fully managed with Coadjute
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Provides a fully-managed service that meets all the regulatory requirements, not just screening
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Ensures professionals are fully compliant, not partially compliant
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Covers governance, risk and compliance oversight, not just part of the process.
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Removes the burden of managing risk and maintaining controls from the property professional, as we do the whole job end-to-end, even embedded payments
Request a check
Client receive our email and SMS.
Client completes
Guided fact-find makes it easy.
Risk assessed
We screen 230 indicators automatically.
Pack ready
Option to share with conveyancers instantly.
