CMP HealthCheck

Ensure your annual Client Money Protection (CMP) renewal meets your scheme's requirements through our Accountant's Report or industry-approved HealthCheck

Eligibility Checker

Choose your CMP scheme to continue

Client Money Protect

Client Money Protect is an approved CMP scheme powered by Total Property.

Our HealthCheck provides independent assurance to support agents in meeting client money compliance requirements.
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Money Shield

Money Shield provides CMP insurance for letting agents and is owned jointly by Propertymark and TDS.

Our HealthCheck or Accountant's Report provides independent assurance of client money compliance in line with scheme requirements.
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Propertymark

Propertymark is a membership body for property agents.

Our approved HealthCheck or Accountant's Report supports Propertymark members by independently evidencing their client money compliance.
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safeagent

safeagent is a UK accreditation scheme for letting and management agents.

Our Accountant's Report provides independent assurance that client money requirements are met in line with safeagent Client Accounting Standards.
Coming Soon

Tenancy Deposit Scheme

The Tenancy Deposit Scheme (TDS) is a government-approved tenancy deposit protection scheme.

Our risk assessment supports insured members in completing their annual review.
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UK Association of Letting Agents

UKALA is a professional membership body for letting agents, with CMP included in its membership package.

Our Accountant's Report provides independent assurance in line with UKALA Accounting Standards.
Coming Soon

What is a CMP Review?

A CMP review is an annual requirement set by most Client Money Protection schemes to ensure your agency handles client funds safely, accurately and in line with scheme and regulatory standards. Depending on your CMP scheme, this may take the form of an Accountant's Report or a TLP Client Money HealthCheck. The format required is determined by your scheme. If you're unsure, use our eligibility checker above or contact our team using the form below and we'll be happy to guide you.
CMP Audit - Whats Included
CMP Audit - What is a CMP Audit opt1 (1)

What's Included

  • Review of client account setup
  • Verification of client money controls
  • Review of compliance documentation
  • Deposit handling checks
  • Scheme-aligned compliance assessment
  • Clear findings with practical next steps
  • TLP Assured certificate and window sticker
  • Dedicated support from TLP's compliance team

Typical Timeline

STEP 1

Questionnaire:

45 minutes
Complete our simple online form and upload the documents we need based on your scheme's criteria.
Step 1
STEP 2

Processing:

Up to 10 working days
We run the analysis. Our compliance specialists complete your review and compile your report.
Step 2
STEP 3

Receive Your

Report

You and your CMP scheme provider will receive a completed Accountant's Report or HealthCheck.
Step 3

Frequently Asked Questions

  • What do I need to do?
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    To begin your CMP Review, create an account and complete the online questionnaire. Based on your scheme eligibility and CMP provider requirements, you will complete either a Client Money HealthCheck or an Accountant’s Report.

    • The HealthCheck questionnaire typically takes around 45 minutes and does not usually require a follow-up call unless there are unresolved questions.

    • The Accountant’s Report questionnaire typically takes around 15 minutes and includes a one-hour call, depending on the complexity of your client accounts.

  • What information will I need to provide?
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    You will be asked to provide information relating to:

    • Portfolio details

    • CMP and compliance information

    • Deposit arrangements

    • Client account structure and activity

  • Which documents do I need to submit?
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    Before submitting your questionnaire, you will be prompted to upload supporting documents, which may include:

    • A deposit summary confirming the total number and value of protected deposits

    • Bank statements for the required review period

    • A bank letter dated within the last 12 months confirming:

      • the accounts are correctly designated as client accounts, and

      • there is no right of set-off

    The exact documents required may vary depending on whether you are completing a HealthCheck or an Accountant’s Report.

  • What format should I upload my files in?
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    Bank statements and supporting documents must be uploaded as PDFs, screenshots, or scanned copies.

    CSV files are not accepted.

  • How much does the CMP Review cost?
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    The cost of your CMP Review depends on your CMP provider and the route required.

    HealthCheck pricing:

    • Propertymark: £300 + VAT

    • Money Shield: £330 + VAT

    • Client Money Protect: £330 + VAT

    Accountant’s Report pricing:

    Where an Accountant’s Report is required, pricing will be confirmed before you proceed and may vary depending on the structure and complexity of your client accounts.

  • How and when do I make payment?
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    Once you have completed the questionnaire and uploaded your documents, click Submit. You will then be directed to our secure payment page.

    Payment arrangements for Accountant’s Reports will be confirmed during the onboarding process.

  • How long does it take?
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    Once all required information has been received and payment has cleared, we aim to issue your final report within 10 working days, provided there are no unresolved queries or issues.

    This timeframe applies to both HealthChecks and Accountant’s Reports.

  • What happens after I’ve submitted everything?
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    You will receive an email confirming receipt of your submission. Our team will begin as soon as payment has been confirmed and all required information has been received.

  • What happens once my report is complete?
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    Once your report has been finalised and signed off:

    • You will receive a copy

    • A copy will be sent directly to your CMP provider

  • Will you contact me during the process?
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    If we require clarification on any documents or transactions, we will contact you by email or phone.

    Prompt responses help avoid delays.

  • What if I make a mistake or upload the wrong document?
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    If you notice an error on your questionnaire or upload an incorrect file, please contact us as soon as possible.

    We can amend your submission provided the review process has not yet started.

  • What is the purpose of a CMP Review?
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    The CMP Review supports agents applying for or renewing Client Money Protection, which is required on an annual basis.

    Depending on your scheme eligibility, this is completed via either a Client Money HealthCheck or an Accountant’s Report.

  • What counts as “client money” in lettings?
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    Client money includes any funds held or processed through a client account, including:

    • Rent

    • Tenancy deposits

    • Landlord floats

    • Contractor payments

  • What does it mean if I receive a “Refer” outcome on my HealthCheck?
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    A “Refer” outcome does not indicate failure. It means that, based on the information provided, we were unable to pass the HealthCheck and have referred the findings to your CMP provider.

    Your CMP provider will review the report and contact you to discuss next steps.

    This outcome applies to HealthChecks only.

  • Why do I need to provide an updated bank letter each year?
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    We require a bank letter dated within the last 12 months to confirm that your account is correctly set up as a client account.

    This helps ensure accuracy, as agents may believe their accounts are designated as client accounts when the bank’s confirmation indicates otherwise.

  • How do I receive my Client Money Protection certificate?
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    Once your CMP HealthCheck or Accountant's Report is complete, your CMP provider will receive a copy of your report.

    After reviewing the outcome, they will issue your Client Money Protection certificate directly to you.

  • My account reconciles, but the report shows a discrepancy. Why?
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    For HealthChecks, we use estimates and averages based on the information provided in your questionnaire and bank statements.

    A margin of error tolerance is applied, which determines any discrepancy shown in the report. It is uncommon for this figure to be exactly 0%.