Screening data providerBuilt for real estate in Spain and Portugal
Stop chasing international clients for KYC documents.
Onboard buyers and sellers in minutes — not weeks of emails and WhatsApp.
PropComply is the KYC & AML platform built for real estate professionals in Spain and Portugal. Send your client one secure onboarding link, collect identity, corporate and source-of-funds documentation digitally, and manage the whole KYC/CDD process in one place.
- 1Send one secure link
- 2Your client uploads everything digitally
- 3You review, assess and manage the KYC file
Free until 31 December 2026 · 20 KYCs included · No credit card · No setup fee
We set you up personally. No integration, no IT project.
Made in Norway with Swedish roots · Built for Spain and Portugal
35+
Real estate firms using or testing PropComply
900+
KYC processes handled
15+ years
Operational AML experience behind the platform
Spain & Portugal
Built for real estate, not adapted from banking
Already used or being tested by firms including
HusmanHagberg (Spain)Skandiamäklarna SpainAlamo Costa del SolMäklarhuset (Costa del Sol)Bjurfors (Spain)Propertissimo (Mäklarringen Costa del Sol)
Three steps. No IT project.
1
Send one secure link
Start a KYC from your phone or desktop and send your buyer, seller or corporate client a secure onboarding link in English, Spanish or Portuguese.
2
Your client completes onboarding digitally
Identity, address, corporate documents, beneficial ownership and source-of-funds evidence — submitted once, in a structured flow, without WhatsApp threads or email attachments.
3
You review, assess and manage
PEP and sanctions screening, risk classification and a complete, structured KYC/CDD record with an audit trail — ready to share with other professionals in the transaction where appropriate.
Built from 15+ years of operational AML experience
PropComply was created by Andréas Hobbelin from practical AML and financial-crime-prevention work with firms handling international clients — and from years of real estate AML work in Spain. It is designed around how property transactions actually run, not around a bank onboarding flow.
- AML & financial crime prevention
- KYC/CDD operating models
- Real estate AML in Spain
- International client onboarding
The PropComply Difference
You don't have to choose between an AML consultant and an AML/KYC solution. You get both.
Behind the system is Andréas Hobbelin — 15+ years of hands-on AML and financial crime experience, working with real estate firms in Spain and Portugal.
Inside the solution
Structured, secure and built for real estate transactions:
- Digital buyer & seller onboarding via secure links — no WhatsApp threads
- Identity verification, sanctions, PEP and adverse-media screening
- Real estate-specific risk scoring and a complete audit trail
- One Client — One KYC: share the file securely with agents and lawyers in the deal
- In-app expert second opinion: when a case flags high-risk drivers, request guidance from Andréas directly inside the client file
Outside the solution
Hands-on AML expertise when software alone is not enough:
- AML policies, internal procedures and annual risk assessments
- Staff AML training with completion certificates
- Practical guidance on complex Source of Funds and Source of Wealth questions
- Support with complex cases, cross-border structures and supervisory queries
Inside the client file
Expert review recommended for this case
Talk to Andréas — get a second opinion on risk drivers, EDD scope, and your next steps.
AML Expert SupportEDD Request
Operational guidance only — not legal advice. Scope and invoicing are confirmed before work begins.
An AML expert integrated into your KYC solution — and a KYC solution backed by an AML expert.
Advisory support does not transfer AML responsibility. Every obliged entity keeps its own independent obligations.
One KYC process instead of repeating the same work
Today the same international buyer is asked for the same passport, the same company documents and the same source-of-funds evidence by the agent, the lawyer, the developer and the mortgage broker. PropComply creates one structured KYC/CDD file that can be securely shared with the appropriate professionals in the transaction — so your client is asked once and the deal moves with less avoidable KYC friction.
Sharing does not transfer responsibility. Every obliged professional keeps their own independent AML obligations and makes their own assessment.
Everything your KYC/CDD process needs, in one place
Collect
Identity and address documents, corporate documentation, beneficial ownership, source of funds. Mobile-friendly for the client.
Assess
PEP and sanctions screening, customer risk assessment, client-type-specific KYC logic for individuals and companies, buyers and sellers.
Manage
Structured KYC/CDD records, ongoing KYC, audit trail, bilingual PDF export.
Share
Send the structured file securely to the appropriate professionals in the same transaction, with a controlled workflow.
Who it's for
Built for every party in a Spanish property deal
Agents, lawyers, property developers, mortgage brokers, notaries and banks all need KYC/CDD on the same client. PropComply is the standardization infrastructure that lets them share one structured file — while each party keeps its independent AML responsibility.
Real Estate Agents & Brokers
You own the client relationship — start KYC/CDD here
As the first point of contact, agents originate the client file in PropComply and share it forward — to lawyers, developers, mortgage brokers and notaries — so the deal moves faster without redoing KYC.
Learn moreProperty Developers
Speed up reservations and deposit payments
Collaborate directly with agents — share KYC/CDD both ways to clear buyers faster, unblock reservation deposits and standardize source-of-funds checks across every project and sales team.
Learn moreMortgage Brokers
Validate buyer credibility early — close mortgages faster
Used early in the deal, PropComply lets you validate the client for both KYC/CDD and mortgage and buyer credibility — so you reach lenders with a pre-qualified, standardized file that matches bank expectations.
Learn moreLawyers & Legal Professionals
Receive a structured file — keep independent AML liability
Receive the agent's KYC/CDD file to skip duplicate work, then run your own independent AML assessment on top. Audit-ready documentation aligned with Ley 10/2010, ready for SEPBLAC inspections.
Learn moreShared Infrastructure — Not Shared Liability
Each user maintains their own independent AML responsibility. PropComply is a tool to help you perform, document and manage your KYC/CDD obligations — not a service that performs AML on your behalf. Banks and financial institutions can receive shared KYC/CDD files as read-only recipients, but perform their own independent assessments.
Free until 31 December 2026 — including 20 KYCs
- 20 KYC credits included
- No credit card required
- No setup fee
- No commitment to continue
Standard pricing after the Free Access period: €100/KYC with no subscription, or €100/month with discounted KYC pricing from €50/KYC depending on volume.
The PropComply subscription includes the full AML Framework.
A PropComply representative will contact you for a short onboarding and company setup before access is activated.
What happens after you request access
- 1You send the request — it goes to Andréas personally.
- 2He contacts you and books a short intro call.
- 3You get a walkthrough of PropComply on your own cases.
- 4We configure your account and onboard your team.
No integration work, no IT department needed. Most firms are running their first KYC the same week.
PropComply vs Generic KYC
Built for Real Estate Spain. Not Retrofitted From Banking.
Most KYC/AML tools were designed for fintech onboarding. PropComply was built around how the Spanish property transaction process actually work.
"Generic KYC" = typical horizontal KYC tools not built for the Spanish real estate sector.
| Capability | PropComply | Generic KYC |
|---|---|---|
| PEP, sanctions & adverse-media screening | ||
| Identity verification & document capture | ||
| Specifically built for the Spanish real estate sector | ||
| One KYC client file shared across the deal chain — GDPR compliant | ||
| Multi-logic KYC workflows by KYC types, client types & client roles | ||
| Aligned with Ley 10/2010, SEPBLAC expectations and Spain's National ML/TF Risk Assessment, and designed with the EU AML Regulation 2024/1624 in mind | ||
| Reservation deposit payment offering to clients during onboarding (coming soon) | ||
| Bilingual EN/ES KYC for both clients and users + PDF downloadable | ||
| Independent AML responsibility preserved | ||
| Mobile-first user KYC initiation and client completion | ||
| Automated risk scoring model based on Spanish NRA MLTF | ||
| Suspicious activity generator & escalation | ||
| Automated SAR/STR population & report generation | ||
| Built by AML expert with 15+ years of real estate experience |
Comparison reflects common capabilities of generic KYC/AML tools and is provided for illustrative purposes.
Software only, advice only — or both?
Generic KYC software
Software only. You are on your own when complex Source of Funds questions or supervisory queries arrive.
Traditional AML consultants
Advice only. You still chase passports and bank statements over WhatsApp and email.
PropComply
The KYC/AML solution and a dedicated AML expert in one.
Trust & Independence
A Neutral Standardization Layer for KYC/CDD
PropComply isn't another KYC/CDD tool bolted onto a single firm. It's the shared infrastructure that lets agents, lawyers, developers, mortgage brokers, notaries and banks work from one standardized client file.
Our independence from law firms, banks and agencies means every party can trust PropComply as neutral infrastructure for KYC/CDD sharing — without conflicts of interest, hidden dependencies or any delegation of AML responsibility.
Neutral Infrastructure
PropComply is independent of law firms, banks and agencies — a neutral standardization layer for KYC/CDD sharing. Owned by AI Risk Intelligence AS (Norway).
One Client — One KYC
A single structured client file replaces duplicated requests across every party in the transaction. The client provides documentation once.
Shared, Securely & GDPR Compliant
Permission-based sharing between involved parties. No WhatsApp documents, no email attachments — full audit trail and European data standards.
Independent AML Liability
Each party — agent, lawyer, developer, mortgage broker, notary or bank — keeps its own independent AML responsibility. Shared infrastructure, not shared liability.
Ley 10/2010 · SEPBLAC · Spanish NRA 2026 · EU AMLR 2027
Built around current Spanish AML requirements and the EU AML framework applying from 10 July 2027.
Try PropComply free with 20 KYCs.
Free until 31 December 2026. No credit card, no setup fee, no commitment.
Partners
Working with trusted partners
PropComply integrates with specialists across the Spanish property transaction to keep one client file moving end-to-end.
Screening data provider
AML advisory & audit
Mortgage broker
FX & payments partnerFrequently asked questions
What is PropComply?
PropComply is a KYC/CDD and AML client onboarding and management platform built for real estate professionals handling international property transactions in Spain and Portugal. You send your client one secure onboarding link, they submit their documentation digitally, and you review, assess and manage the KYC/CDD file in one place.
Do real estate agents in Spain need to perform KYC?
Yes. Real estate agents in Spain are obliged subjects under Ley 10/2010 and must apply customer due diligence (CDD), risk assessment, documentation and recordkeeping. Lawyers, notaries or banks do not automatically replace the agent's own AML obligations.
What does free access include?
PropComply is free until 31 December 2026, including 20 KYC credits. No credit card and no setup fee are required, and there is no commitment to continue. After you request access, Andréas Hobbelin contacts you personally, arranges a short intro call and walkthrough, and we configure your account.
What is KYC/CDD sharing in Spanish real estate?
KYC/CDD sharing means one structured client profile — identity, beneficial ownership, PEP and sanctions screening, source of funds — is collected once and securely shared between the appropriate parties in a transaction, instead of each professional re-asking the client for the same documents. Every obliged professional keeps their own independent AML responsibility.
Is PropComply aligned with Ley 10/2010 and GDPR?
PropComply is built around Ley 10/2010, Real Decreto 304/2014 and GDPR principles: data minimisation, lawful basis, EU data residency, role-based access and a complete audit trail. Users remain responsible for their final AML decisions.
Who is PropComply for?
Primary users are real estate agents, property developers, mortgage brokers and lawyers handling international buyers and sellers in Spain and Portugal. Notaries and banks can receive shared KYC/CDD files as recipients and always perform their own independent assessment.
Is PropComply ready for the EU AML Regulation from 2027?
PropComply is being developed around both Spain's current AML framework under Ley 10/2010 and the EU Anti-Money Laundering Regulation, Regulation (EU) 2024/1624, which becomes applicable from 10 July 2027. The platform is designed to support structured customer due diligence, risk assessment, beneficial ownership, enhanced due diligence, screening, ongoing KYC and record-keeping requirements. PropComply supports compliance but does not replace the obliged entity's own legal responsibilities or compliance decisions.