We handle the AML admin and chasing – you keep control and stay compliant.

SwiftSOF collects ID and source-of-funds docs from your clients and delivers a single, tidy ‘money story’ PDF pack for every buyer and seller.

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  • Negotiators wasting hours chasing passports and bank statements

  • AML files inconsistent across the team

  • HMRC supervision getting stricter

We do the boring bits, so you can sell

“This saved our negotiators hours every week”
— Katie
“Can’t imagine not using SwiftSOF now”
— David
“Makes AML 10x easier for the team”
— Azhar

How It Works

  • When you agree a sale or take on a new instruction, you send SwiftSOF the basics:

    • Client name and contact details

    • Buyer or seller status

    • Property address and agreed price

    • Any known funding information (e.g. cash/mortgage/gift)

    This can be done through a secure online form or directly from your CRM (if integrated).

  • We reach out to your client under your brand or co-branded with SwiftSOF (your choice). In clear, simple language we explain:

    • Why AML checks are required

    • What documents they need to provide

    • How to upload documents securely

    We provide a secure link for uploads and handle all the follow-up and chasing until we have the information required for a complete pack.

  • Using recognised ID verification tools, we:

    • Capture and verify passport or driving licence details

    • Run liveness/selfie checks to match the client to their ID document

    • Compile a simple summary of the ID and address results

    Any issues (expired documents, mismatched details, failed liveness) are clearly flagged for your team to review.

  • We help your clients understand and evidence where their money is coming from. This typically includes:

    • Bank and savings statements

    • Gift letters and ID for giftors

    • Completion statements from previous sales

    • Pension, investment or inheritance documents

    We give clients examples of “what good looks like” so they know what to send, and we follow up as needed to fill in any obvious gaps.

  • We prepare a clear AML & source-of-funds pack.

    Once we have the documents, we organise everything into a single PDF pack for you, including:

    • A plain-English “money story” – how the client is funding the transaction

    • A summary table of each source of funds, with amounts and evidence

    • A short note of any points you may wish to question or review

    • An index of all attached documents (ID, statements, gift letters, AIPs, etc.)

    All documents are presented in a consistent format so your team and your MLRO can scan and understand the case quickly.

  • You apply your AML policy and make the final call.

    Your team remains fully in control of the AML process. With the SwiftSOF pack in front of you, you can:

    • Apply your own AML risk assessment and policies

    • Decide whether the evidence is sufficient

    • Request further information if needed

    • Handle any reporting or escalation obligations

    SwiftSOF does not make AML decisions or provide legal advice – we simply give you a clear, well-organised picture so your decisions are easier and faster.

SwiftSOF doesn’t replace your AML policy or your responsibilities as a regulated firm. We work as your AML admin support team – collecting and organising documents, running digital ID checks and building a clear “money story” for each client, so your team can review and decide quickly.

  • You remain the regulated firm

  • We are your AML admin support, not your compliance substitute.

  • We simply make it as easy as possible for you to make your risk assessment

  • Designed for UK estate agents under HMRC supervision

  • We do not make regulatory decisions on your behalf

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Built specifically for estate agents

SwiftSOF focuses solely on helping UK estate agents with the admin side of AML checks. We speak your language, we understand your workflows, and we know that sales progression, not paperwork, is what keeps your business moving.

  • Your negotiators and valuers should be winning instructions and agreeing sales – not chasing bank statements. Outsourcing the AML admin means less time on paperwork and more time with clients.

  • Every case is saved as a single, consistent pack. When HMRC or head office want to review your AML, you have clear, tidy files ready to go – not a trail of emails and screenshots.

  • Staff change, branches grow, and everyone develops their own way of “doing AML”. SwiftSOF standardises the way documents are collected, presented and stored, so your approach is consistent and easier to oversee.

  • You pay per case, so you can scale up and down with your pipeline. No extra FTE, no payroll risk, no training new staff only to see them leave after six months.

Key Benefits

  • Offices that want to raise their AML standards without slowing deals down

  • Busy periods where your team is stretched

  • Branches without dedicated admins

  • Complex first-time buyers with multiple gifts and savings pots

When to use us

  • Independent high-street agents

  • Small and mid-sized local chains

  • Sales-focused branches that lack a dedicated in-house compliance team

Who we work with