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Mortgage Discharge Guides by Bank

Find the mortgage discharge guide for a client's current bank and prepare the bank-specific form, authority and follow-up steps.

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Use these mortgage discharge guides to find the steps for the lender your client is leaving. Each bank guide covers its discharge form, borrower authority and follow-up route. For the broader sequence, read the general discharge of mortgage guide.

Choose a Bank Discharge Guide

Choose the guide for the lender holding the existing mortgage. When refinancing, this is the outgoing lender, even if you’ve already arranged the replacement loan elsewhere. Match the name on the client’s current loan statement to the bank list below.

For a big-four loan, use the matching guide for Commonwealth Bank, National Australia Bank, Australia and New Zealand Banking Group or Westpac. Keep the loan’s brand in view: a St.George loan has its own guide, even though St.George is part of Westpac.

Follow the same approach for Bankwest and ME Bank. Use the brand shown on the loan documents instead of substituting a banking group’s name. If the statement names ING, HSBC Bank Australia or Macquarie, open that lender’s guide.

For loans with Brighten, RESIMAC or Suncorp, start with the matching guide and follow its instructions for the loan concerned. If your client has mortgages with different lenders, use a separate guide for each outgoing lender.

Before opening a form, gather the details you’ll use:

  • Loan account numbers and the names of all borrowers, plus any guarantors.
  • Current contact details and the client’s address after settlement.
  • The property address and title reference, if available. Identify each property to be released.
  • The intended settlement date and reason for the request. Specify whether the client is selling, refinancing or repaying the loan.
  • The solicitor or conveyancer’s contact details, or the incoming lender’s settlement contact for a refinance.

Also identify any loans or properties that must remain in place. Take those details into the bank guide so you can choose the relevant full or partial release instructions.

Explore this topic

Choose the guide you need

  1. CBA Mortgage Discharge Authority: Form and Steps

    Find CBA's current mortgage discharge authority route, prepare the request, track lender acknowledgement and confirm the release is complete.

  2. NAB Mortgage Discharge Authority: Form and Steps

    Use NAB's current mortgage discharge instructions, complete the required authority, follow up the request and verify settlement completion.

  3. ANZ Mortgage Discharge Authority: Form and Steps

    Locate ANZ's current mortgage discharge process, prepare the authority, coordinate outstanding checks and verify the requested release.

  4. Westpac Discharge Authority: Form and Steps

    Find the Westpac discharge authority, prepare the form and release instructions, track the payout request and confirm mortgage discharge completion.

  5. St.George Mortgage Discharge Authority: Form and Steps

    Verify St.George's current mortgage discharge form or route, prepare the authority, track the request and check the security release.

  6. ING Mortgage Discharge Authority: Form and Steps

    Find ING's verified mortgage discharge route, prepare the supporting details, submit the request and confirm the release is complete.

  7. Bankwest Mortgage Discharge Form: Authority and Steps

    Find the current Bankwest discharge form, check borrower details and payout figures, then confirm the mortgage is released after settlement.

  8. Brighten Home Loans Discharge Authority: Form and Steps

    Find the Brighten Home Loans discharge form, check borrower and security details, confirm the receiving channel and track the release to settlement.

  9. HSBC Mortgage Discharge Authority: Form and Steps

    Prepare the HSBC home loan discharge form using current Australian instructions, verify the authority and follow payout and security-release completion.

  10. Macquarie Mortgage Discharge Authority: Form and Steps

    Complete a Macquarie home loan discharge with current authority and payout instructions, check the discharge fee and confirm the security release.

  11. RESIMAC Mortgage Discharge Authority: Form and Steps

    Organise a RESIMAC discharge of mortgage by verifying the loan servicer, authority, payout request and evidence that the security release is complete.

  12. Suncorp Mortgage Discharge Authority: Form and Steps

    Request a Suncorp discharge of mortgage with the current bank authority, verified settlement instructions and follow-up for payout and security release.

  13. ME Bank Home Loan Discharge Form and Steps

    Find and complete the current ME Bank home loan discharge form, confirm submission, payout and settlement steps, and track the release.

  14. Bendigo Bank Mortgage Discharge Form and Steps

    Moving a client off a Bendigo Bank loan? Get the current discharge authority, check who must sign it and follow the request through to settlement.

  15. BOQ Mortgage Discharge Form: Authority and Steps

    Get the current BOQ discharge form, complete the authority with your client and track lodgement, payout and the mortgage security release at settlement.

  16. BankSA Mortgage Discharge Form and Release Steps

    When a client leaves BankSA, you need its current discharge authority. Check the signatures, lodge it and track payout and release to settlement.

  17. Mortgage House Discharge Form: Submit and Track It

    Refinancing away from Mortgage House? Request its discharge form, confirm who services the loan, then track the payout figure through to settlement.

  18. RAMS Mortgage Discharge Authority: Form and Steps

    Need a RAMS discharge form? Confirm who services the loan, request the current authority, lodge it with the right channel and track payout to release.

  19. AMP Mortgage Discharge Authority: Form and Steps

    Leaving AMP Bank? Find the right discharge form for a full or partial release, confirm the signatures and lodge it before tracking payout and settlement.

  20. Great Southern Bank Discharge Authority: Steps

    Find the Great Southern Bank discharge form, confirm signatures and lodgement, then coordinate the mortgage payout and release through settlement.

  21. Liberty Mortgage Discharge Authority: Form and Steps

    Find the current Liberty Financial discharge form, check who must sign it and follow the mortgage release through lodgement, payout and settlement.

  22. Bank of Melbourne Discharge Form and Steps

    Find the Bank of Melbourne discharge form and confirm the BOM discharge authority route, required signatures, payout figure and mortgage release.

  23. Virgin Money Mortgage Discharge Authority: Form and Steps

    Selling or refinancing with a Virgin Money loan? Find the correct discharge form, check the broker or customer route and prepare for payout.

  24. AFG Edge Mortgage Discharge Authority: Form and Steps

    Discharging an AFG Edge loan? Check the current form, who must send it to Advantedge and how to follow the request through payout and settlement.

  25. Heritage Bank Discharge Authority: Form and Steps

    Selling or refinancing a Heritage Bank loan? Get the right Heritage discharge authority, collect every signature and lodge it well before settlement.

  26. AFG Mortgage Discharge Form: Authority and Steps

    When a client's loan carries the AFG Home Loans name, work out which product and servicer hold it, then request the matching AFG discharge form.

  27. Gadens Mortgage Discharge Forms: Authority and Steps

    Check whether the outgoing lender has appointed Gadens for its discharges, then find that lender's authority in the Gadens forms list and track settlement.

  28. AFG Retro Mortgage Discharge Form: Authority and Steps

    AFG Retro loans have their own discharge route. Request the current form, gather every borrower's signature and send it to the team servicing Retro.

  29. Unloan Mortgage Discharge Form: Authority and Steps

    Moving a client off Unloan? See how to request the Unloan discharge form, who must authorise it and how to confirm payout and title release at settlement.

  30. loans.com.au Mortgage Discharge Form: Authority and Steps

    Before you book settlement on a loans.com.au refinance, request its current discharge form, check signatures and follow the payout to the title release.

  31. Athena Mortgage Discharge Form: Authority and Steps

    Request the Athena discharge form through its current channel, make sure all borrowers sign and track the payout until the mortgage is released.

  32. IMB Bank Mortgage Discharge Authority: Form and Steps

    IMB Bank discharge requests start online, by phone or in a branch. See what the authority covers, who signs and how to follow the payout to release.

  33. Pepper Money Mortgage Discharge Form: Authority and Steps

    Paying out a Pepper Money home loan? Get the full discharge authority, send it to Pepper's discharges team and allow for its processing time.

  34. Bank Australia Discharge Form: Authority and Steps

    When a client refinances away from Bank Australia, request its discharge authority form, get every signature and track the payout to release.

  35. People's Choice Credit Union Discharge Authority: Steps

    Get the current People's Choice discharge authority, have every borrower sign it and lodge it in time for the bank to prepare the mortgage release.

  36. ubank Mortgage Discharge Authority: Form and Steps

    ubank issues its discharge authority form on request. Find out how to get it, who must sign by hand and where to send it before settlement.

  37. MyState Bank Mortgage Discharge Authority: Form and Steps

    Refinancing a MyState Bank borrower? Find MyState's current discharge authority, complete it with every borrower and track the payout through settlement.

  38. Bluestone Mortgage Discharge Authority: Form and Steps

    Before you book settlement on a Bluestone refinance, allow for its processing time, get a hand-signed authority and email it to the discharges team.

  39. Greater Bank Mortgage Discharge Authority: Form and Steps

    Find Greater Bank's current discharge authority, confirm who must sign and where it goes, then follow the payout until the mortgage is released.

  40. Bank First Mortgage Discharge Authority: Form and Steps

    Your Bank First borrower's refinance waits on a signed discharge authority. Request the current form, check signatures and track the payout to release.

  41. Auswide Bank Mortgage Discharge Authority: Form and Steps

    Moving a loan away from Auswide Bank? Request its discharge authority, have all borrowers sign and lodge it with enough notice for the release.

  42. Firstmac Mortgage Discharge Form: Authority and Steps

    When you refinance a Firstmac borrower, request the discharge form from Firstmac, check the discharge fee and lodge the signed authority before settlement.

  43. Citibank Mortgage Discharge Authority: Form and Steps

    Discharging a Citibank home loan starts with the current release request. See who must sign it, what notice to allow and when the payout figure arrives.

  44. Rate Money Mortgage Discharge Form: Authority and Steps

    Ask Rate Money for its discharge form early, have every borrower sign it and confirm the payout figure so your client's refinance settles on schedule.

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