23/09/2026
🏡 “Why do I have to complete another AML check?”
I was chatting to a buyer about this the other day, and it’s definitely not the first time someone has asked. So, I thought it was worth doing a quick post!
🔐 What does AML mean?
AML stands for Anti-Money Laundering.
It’s basically a check to confirm:
✅ Who you are
✅ Where you live
✅ Where the money for the purchase is coming from
👥 Who needs to complete one?
As estate agents, we have to complete AML checks for both buyers and sellers.
It’s not something we can skip—it’s a legal requirement and a normal part of every property sale.
🔄 Why might you have to do it again?
Your solicitor, mortgage broker or lender may also ask you to complete their own AML checks.
I know it can be a bit of a pain when you’ve already done one, but unfortunately, they’re not usually transferable. Each company has its own legal responsibilities and must complete its own checks.
👍🏻 Nothing to worry about
Being asked to complete an AML check doesn’t mean there’s a problem. It’s completely normal and helps protect everyone involved from fraud and financial crime.
Hopefully, that clears it up a little! If you’re ever unsure about any part of buying or selling a home, just drop me a message. I’m always happy to help.