Answer three questions to see which client money regime your agency is in and what it requires.
Used only to size the professional indemnity conversation. It does not change which regime you are in. There is no minimum.
Illustrative figures on 2026/27 rates and simplified assumptions. This is general information, not advice. Ask us to work it out on your agency's figures, free.
Yes: the Estate Agents Act applies, with a client account and an annual audit by a qualified auditor.
Yes: the CMP Regulations apply if you hold client money.
No: a letting agency needs no CMP scheme. MHCLG accepts rent, deposits and maintenance paid direct to the landlord as evidence.
The tool takes your answers as given. A maintenance float or a security deposit waiting to be protected is client money, even if nothing else in the business is.
Holding client money outside a scheme carries a penalty of up to £30,000, proved to the criminal standard. If you are unsure whether a balance is client money, that is the first thing to check.
A free review gets you the accurate figure for your agency.