Kotini is the FCA-regulated compliance and onboarding platform built specifically for ambitious, growing UK estate agencies. From the moment a seller or buyer enters your pipeline, Kotini handles privacy consent, ID verification, AML checks, contract signing, and upfront material property information - all in one seamless, branded digital experience your clients will actually want to use. No more chasing paperwork. No more compliance gaps. No more onboarding friction costing you instructions.
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Estate agency onboarding is one of the last high-friction client experiences in professional services. The moment a seller instructs you, they immediately have to produce ID, sign documents, complete AML paperwork, and supply material information - often through a combination of email attachments, wet signatures, and follow-up calls. That friction is a liability: compliance risk, slow instruction-to-listed timelines, and a first impression that does not match your agency's brand promise.
Manual AML processes - requesting ID by email, verifying by eye, logging results in spreadsheets - are both slow and inconsistently applied. When HMRC audits your agency, manually collected AML records are hard to evidence comprehensively. A gap in one transaction can create disproportionate regulatory exposure for the whole agency.
Every day a property sits uninstructed after a valuation is a day a competitor could be invited back. If your onboarding is slow - waiting for ID documents, chasing unsigned agency agreements, collecting material information manually - you are building unnecessary delay into the transaction from the very first step. Kotini collapses that timeline from weeks to hours.
The Trading Standards material information requirements have expanded significantly, covering Part A, B, and C disclosures. Agencies collecting this information manually are exposed to both compliance risk and consumer challenge. Kotini captures material information as part of the onboarding flow - correctly structured, complete, and evidenced from day one of the instruction.
Sellers who use Kotini-powered agencies sign their agency agreement, complete ID verification, and submit material information in a single branded digital flow from their phone. That experience reflects well on the agency and sets the tone for a professional relationship. A folder of PDFs sent by email says something different about how your agency operates.
Kotini is not a bolt-on compliance tool. It is the onboarding infrastructure for your entire client journey - from the moment someone indicates they want to sell, through every compliance and contract step, to a fully onboarded instruction that is compliant, evidenced, and ready to list.
Every step of the onboarding journey is delivered under your agency brand - your logo, your colours, your contact details. Clients are not sent to a third-party platform; they experience a Kotini-powered flow that feels like your agency's own digital system. That consistency builds confidence at the most critical moment of the client relationship - right after they have decided to instruct you.
Sellers and buyers verify their identity digitally using Kotini's built-in ID verification - no photocopies, no in-branch appointments required, no email attachments. The verification is fast, secure, and completed on a smartphone. Results are stored with a full audit trail that evidences the check was completed correctly, to the required standard, at the right point in the transaction.
Anti-money laundering checks are built into the Kotini flow and conducted to FCA-regulated standards. The check is triggered automatically at the right point in the onboarding sequence - no manual initiation required from your team. Results and evidence are stored against the client record and available for compliance audit at any point. No more manually assembled AML files.
Agency agreements, privacy policy consents, and any other contracts required at instruction are presented and signed digitally within the Kotini flow. Digital signatures are legally valid, timestamped, and stored against the client record. Your agency gets a signed agreement faster, with better evidence of consent, and without a single piece of paper changing hands.
Kotini collects the material property information required under Trading Standards Part A, B, and C disclosures as part of the seller onboarding flow. The information is collected in a structured format, with the seller completing and confirming each category on their device. The output is a compliant material information record, evidenced and stored, ready for the property listing.
Kotini integrates with leading estate agency CRMs including Rex Software and Apex27, with further integrations in active development. When onboarding is complete, the instruction data flows into your CRM automatically - client details, ID status, AML result, signed agreements, and material information all in the right place, without your team re-entering anything manually.
Kotini is designed to fit around how your agency already operates. Your team does not change their instruction workflow - Kotini wraps the compliance and documentation steps in a client-facing digital flow they control.
Kotini's onboarding team works with your agency to understand your current instruction process, your CRM, and the compliance steps you need to cover. The platform is configured to match your branding, your agency agreement template, and the specific onboarding sequence that suits your sales and lettings workflow.
Your agency branding is applied across the client-facing portal - logo, colours, contact information, and any bespoke consent or information language your compliance team requires. Agency agreement templates are loaded and tested. The client-facing experience is reviewed and approved by your team before going live.
Where Kotini integrates with your CRM, the data flows are tested - client records, ID status, AML results, and material information all routing to the right place in your existing system. If you are not on a currently integrated CRM, Kotini's team will discuss the available connection options during setup.
Your team is trained on how to initiate the Kotini onboarding flow for new instructions - typically a single link or trigger within your existing process. Clients receive a branded invitation to complete their onboarding digitally. Your team monitors progress in the Kotini dashboard and is notified when each step is complete.
Every completed onboarding creates a full, timestamped compliance record - ID verification result, AML check outcome, signed agreements, and material information - stored in Kotini and accessible for audit at any point. As regulations evolve, Kotini's team updates the platform to keep your onboarding compliant without you needing to rebuild your processes.
Kotini is a Kerfuffle partner. Members access the platform through a dedicated route - your Kerfuffle account manager in the commercial conversation from the start, so the pricing is right for your agency size and instruction volume before you commit.
Standard route
Standard per-instruction pricing
Your terms, reviewed before you commit
Pricing is structured per instruction completed through Kotini and agreed per agency based on your typical monthly volume. Book a call and the Kotini team will scope it live with your Kerfuffle AM in the room.
Kotini's full Kerfuffle profile has 64 verified agent reviews, integration details, and the full compliance and onboarding feature breakdown. Open in a new tab - your spot here is saved.
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A live walkthrough of the client onboarding flow, the compliance modules, the agency dashboard, and the CRM integration - with a Q&A for compliance leads and agency directors who want to understand the AML and material information approach in detail.
Kotini was built from the ground up to solve a specific problem: the UK estate agency onboarding process is broken. It is manual, slow, inconsistent, and out of step with what modern sellers and buyers expect. Kotini brings together ID verification, AML compliance, digital contract signing, and material information collection into a single branded experience - making the first weeks of a client relationship the exception to the rule in professional services: fast, digital, and impressive. Today, hundreds of estate agencies across the UK from independents to national brands use Kotini to reduce friction and improve compliance at every instruction.
Kerfuffle's PropTech That Pays Back initiative rewards estate agents with kredits when they actively use the tools they invest in. See Kotini's pay-back terms and start earning back on your compliance investment.
Replace the paper and the chasing with a flow that takes your clients fifteen minutes and your team zero manual effort.
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