Before you start
Current as at 16 October 2026. Banks change the way they discharge mortgages, and the steps and forms they require, from time to time. It's always best to talk to your broker before you start, to make sure you complete the correct steps for your lender.
If you're refinancing through a broker, your broker and the new lender usually coordinate the discharge with your current lender, and they'll tell you when to send the form. If you're selling, your conveyancer or solicitor needs the discharge underway in time for settlement. For how discharges work in general, see discharging your mortgage, explained.
The big four banks
CommBank
- How to start: Start a discharge request online from CommBank's website. You don't need NetBank to do it. NetBank shows your estimated payout figure, including fees and interest to your chosen settlement date.
- Good to know: CommBank won't complete the request until you've submitted all your details.
- Official page: CommBank discharge information
Westpac
- How to start: Complete Westpac's online home loan release form (its discharge authority), which you start from Westpac's How to discharge your mortgage page.
- Timing: Westpac suggests getting it to your conveyancer or solicitor a few weeks before settlement.
- Contact: 1800 807 693 for changes to your home loan security, or 132 558 for home loans.
- Official page: Westpac discharge information
NAB
- How to start: Complete NAB's online mortgage discharge form. It takes about 10 minutes and can't be saved part way. Have your loan account numbers and the BSB and account details for any refund ready.
- Who signs: All borrowers, digitally or on a printed copy.
- Where to send: Email the signed form to discharge.authority@nab.com.au.
- Timing: At least 10 business days before settlement. NAB may cancel redraw on the loan from 6am on the business day before settlement.
- Contact: 1300 880 142 for help with the form. Ubank loans use Ubank's own process.
- Official page: NAB discharge information
ANZ
- How to start: Enter your details and the reason for the discharge on ANZ's online Home loan discharge and variation request page. ANZ then emails you a Discharge and Variation Authority form with instructions.
- Who can request it: A borrower named on the home loan.
- Timing: ANZ aims to process a discharge in about 10 business days once it has everything it needs.
- Contact: 13 25 99.
- Official page: ANZ discharge information
Westpac group: St.George, Bank of Melbourne and BankSA
St.George
- How to start: Request a callback online or call 1300 302 302 and select option 2. St.George sends you a Property and Security request form.
- Who signs: All account holders, plus any guarantors.
- Where to send: Email the signed form to mortgagesecurityvariations@stgeorge.com.au.
- Timing: Expect a confirmation letter about 10 days after St.George has everything it needs.
- Official page: St.George discharge information
Bank of Melbourne
- How to start: Request a callback online or call 1300 999 266 and select option 2. You'll be sent a Property and Security request form.
- Who signs: All account holders, plus any guarantors.
- Where to send: Email the signed form to mortgagesecurityvariations@bankofmelbourne.com.au.
- Timing: Expect a confirmation letter about 10 days after the bank has everything it needs.
- Official page: Bank of Melbourne discharge information
BankSA
- How to start: Request a callback online or call 1300 308 584 and select option 2. You'll be sent a Property and Security request form.
- Who signs: All account holders, plus any guarantors.
- Where to send: Email the signed form to mortgagesecurityvariations@banksa.com.au.
- Timing: Expect a confirmation letter about 10 days after the bank has everything it needs.
- Official page: BankSA discharge information
Other banks and lenders
Suncorp Bank
- How to start: Contact Suncorp, which handles discharges through its own home loan servicing request process. It won't accept discharge forms from other banks.
- Timing: Suncorp says it can take up to 20 days from when it receives the request.
- Good to know: Suncorp home loans are moving to ANZ in the first half of 2027, so this process is likely to change. Check before you start.
- Official page: Suncorp Bank discharge information
Bankwest
- How to start: Send a message in the Bankwest App or online banking, and Bankwest will issue you a Discharge Authority form.
- Fees: Once you've submitted it, Bankwest sends a letter with a breakdown of fees and charges.
- Official page: Bankwest discharge information
ING
- How to start: Complete ING's online Request to discharge your loan form. It takes 10 to 15 minutes and can't be saved part way.
- Who signs: Give consent digitally, or print and sign the form in ink.
- Where to send: Email the completed form to mortgage.discharges.au@ing.com.
- Timing: At least 15 business days before settlement.
- Official page: ING discharge information
Macquarie Bank
- How to start: Download Macquarie's Discharge Authority form. One form can cover several accounts in the same facility.
- Who signs: All parties to the loan, by hand. Electronic signatures aren't accepted.
- Where to send: Email the completed form to clientservices@mortgageinfo.com.au.
- Timing: Macquarie appoints its solicitor, LegalStream, within 3 business days, and a discharge typically takes up to 21 days.
- Contact: LegalStream on 02 9223 7919 for payout discharge status.
- Official page: Macquarie Bank discharge information
Bank of Queensland (BOQ)
- How to start: Call BOQ. For a sale, call 1300 557 272. For a refinance, call the Home Loan Specialists on 1300 764 439, who provide the discharge form.
- Good to know: BOQ recommends engaging a BOQ representative early, as discharges can be complicated depending on how your lending is structured.
- Official page: Bank of Queensland (BOQ) discharge information
ME Bank
- How to start: For a refinance, call 07 3016 5552. For a sale or closure, download the Home Loan Discharge Authority Form or call 13 15 63. Only the people named on the title can request it, not a broker or other third party.
- Where to send: Email the form and any required documents to DigitalServicing@mebank.com.au.
- Timing: Up to 21 business days from receiving a correctly completed form.
- Fees: ME lists a $350 discharge processing fee, plus government and title fees and any fixed rate break cost.
- Official page: ME Bank discharge information
Bendigo Bank
- How to start: Use the online Request to discharge your home loan form, download the PDF, call 1300 236 344 or visit a branch.
- Who signs: All borrowers, including any guarantors.
- Timing: Bendigo asks for up to 15 business days' notice for discharge settlements.
- Fees: You'll receive an itemised payout figure, including Titles Office fees, after you return the signed form.
- Official page: Bendigo Bank discharge information
Heritage Bank
- How to start: Call the Specialised Home Loans team on 13 14 22. There's a Discharge Authority Property Sold Form for sales, and a Refinance Authority or Loan Repaid Document Request Form for refinances and payouts.
- Who signs: All parties to the loan, including guarantors.
- Timing: For a sale, return the form at least 20 working days before settlement.
- Official page: Heritage Bank discharge information
HSBC
- How to start: Contact HSBC for its discharge authority form.
- Who signs: All borrowers and mortgagors.
- Timing: HSBC says it can take at least 21 business days after it receives your signed request.
- Official page: HSBC discharge information
Ubank
- How to start: Call Ubank on 13 30 80. If you still want to go ahead after the call, Ubank sends you a Discharge Authority form.
- Good to know: Ubank's form needs to be printed and signed by hand, and redraw is blocked once it's submitted.
- Official page: Ubank discharge information
Great Southern Bank
- How to start: Great Southern Bank doesn't publish a discharge form online. Call 133 282 or visit a branch to request one.
- Official page: Great Southern Bank discharge information
Newcastle Permanent
- How to start: For a refinance, call 1300 292 957 and select option 3. Newcastle Permanent may need to speak with you directly before it discharges a mortgage for a refinance. For anything else, call 13 19 87.
- Official page: Newcastle Permanent discharge information
Questions people ask
Where do I get my bank's discharge authority form?
From your current lender. Some, like NAB, ING and ANZ, start the request online. Others, like the Westpac group brands, BOQ and Heritage, send you the form after a call.
How much notice does my bank need to discharge a mortgage?
It varies by lender, from around 10 business days to more than 20. Lodge the form as early as you can.
Do all borrowers have to sign the discharge form?
Usually, yes, and many lenders also need any guarantors to sign. Some lenders don't accept electronic signatures.
Can my broker request the discharge form for me?
Some lenders only accept requests from the borrowers named on the loan. Your broker can still tell you which form you need and when to send it.
