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For UK letting agents (2026)
Since 14 May 2025, every UK letting agent must report to OFSI any tenant or landlord it knows or suspects is sanctioned, on every let and at any rent. Screening both against the UK sanctions list is how you would know. Lets of £10,000 a month or more also bring the full money-laundering rules: identity, beneficial owners, PEP checks and records, supervised by HMRC.
Certaby handles the whole let in one place. Open a Letting transaction and run the checks it needs: tenant and landlord sanctions screening, PEP and adverse media where you need them, the company and its owners when the landlord is a company, the Right to Rent record in England, and the property risk pack (EPC and MEES, crime, flood). Keep one signed certificate for the client file with a 7-year verify link, watch the parties after the let with a monitoring plan, and add the Compliance plan when you need the written AML records an HMRC inspection asks for. No contract and no setup fee.
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Frequently asked questions
What is the minimum AML requirement for a UK letting agent in 2026?
Two regimes apply. Sanctions, on every let at any rent: since 14 May 2025 you must report to OFSI a tenant or landlord you know or suspect is sanctioned, so screen both against the UK sanctions list. The Money Laundering Regulations 2017, only for lets of £10,000 a month or more (10,000 euros before 30 June 2026): register with HMRC, carry out customer due diligence on landlord and tenant, check for politically exposed persons, keep a written firm risk assessment, and keep records for 5 years after the relationship ends. A signed certificate covers the checks; your risk assessment and policies cover the firm.
What happens when the landlord is a company?
Add the company to the let and run the company and owners check (£2.99). It looks the company up at Companies House, follows its owners (the PSC register) through each layer of companies, and screens every current director and owner against the same sanctions lists, up to 30 people. The certificate lists who was screened. This is the beneficial-ownership step MLR-2017 expects (reg 5 and reg 28).
How does the certificate prove the check happened, if anyone asks later?
Each certificate carries a SHA-256 hash bound to the results and the sanctions list versions. A public verifier at certaby.com/verify/<hash> confirms it (no personal data shown) for 7 years. An HMRC inspector or your MLRO can check it without contacting you.
What does a let cost?
A typical let (a tenant and a landlord, sanctions on both and the property risk pack) is £3.27, or £4.07 with PEP and adverse media on both. A company landlord adds £2.99 for the company and owners check. The Right to Rent and ID records are kept at no charge. You pay from credit (the smallest top-up is £5 and credit never expires), with no subscription. Every price is on certaby.com/pricing.
Do I need to be ARLA-registered to use Certaby?
No. ARLA Propertymark membership is a separate trade-association credential. Certaby is open to any UK letting agent, regardless of professional-body affiliation. The compliance obligation is on you under MLR-2017 whether you are ARLA, NAEA, RICS, or independent.
Do you cover Scotland, Wales and Northern Ireland?
Yes. Sanctions screening applies UK-wide and runs the same way in all four nations. Right to Rent is a duty in England only, so for a Scottish, Welsh or Northern Irish let the transaction skips it (we never ask you to run a check that does not apply where you operate). MEES is an England and Wales standard, so for a property in Scotland or Northern Ireland we show the EPC band for information and do not apply an England and Wales penalty verdict. Landlord registration differs by nation (Rent Smart Wales, the Scottish Landlord Register, the NI Landlord Registration Scheme); we surface the sanctions and AML duties common across them.
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