AFG Mortgage Discharge Form: Authority and Steps

To get the right AFG discharge form, identify your client’s product family, then request its authority from the team that services that loan. The AFG Home Loans name covers products with different providers, so the logo alone doesn’t tell you where to lodge.

Australian Finance Group (AFG) is the group behind AFG Home Loans. Keep the client’s loan details beside you when requesting the form, including the account number and the properties to be released.

Match the Loan to Its AFG Product

Match the product name on the latest statement with the lender and servicer named in the credit contract. Record the account number exactly, including any prefix, leading zeros and separate loan splits. The account format is a clue to take to the support team, not a reason to assign a product from memory.

As at October 2026, the AFG Home Loans Help Centre and banking menu distinguish Retro, Bright, Align, Alpha, Bridge and Options. They also retain links for products such as Link, Edge, Icon, Precision and Puma. An older product name can still identify the client’s existing loan.

The product provider can differ from the brand on the statement. As at October 2026, AFG’s Bridge product page names Bridgit Financial Services as its issuer. Its Align page names Think Tank Group as the provider.

AFSH Nominees Pty Ltd on a contract is another identification clue. Advantedge’s August 2026 discharge authority names that company in its credit-provider information and says the contract specifies the lender. Match that contract to the product before using an AFSH Nominees discharge authority found online.

Once you identify Edge, use the AFG Edge discharge guide. For Retro, use the AFG Retro discharge guide. The AFG mortgage aggregator guide explains the separate broker aggregation relationship.

Request the Form From the Right Team

Start in the AFG Home Loans Help Centre, select the client’s product and request the discharge authority from its published support team. As at October 2026, AFG’s contact page gives the following enquiry routes.

Product	Phone	Email
Retro and Link	1800 629 948	clientservices@afghomeloans.com.au
Edge	1300 543 558, option 1 for post-settlement	customercare@advantedge.com.au
Alpha	1300 247 033	afgservice@adelaidebank.com.au
Bright	13 14 88	clientservices@brighten.com.au
Align	1300 163 184	loansupport@thinktank.net.au
Options	1800 629 948	clientservices@afghomeloans.com.au
Icon	1800 467 483	icon@afghomeloans.com.au
Puma	1800 181 878	marelationshipsupport@macquarie.com
Precision	1800 629 948	clientservices@afghomeloans.com.au

For Bridge or an unidentified product, call AFG Home Loans on 1800 629 948 for routing. These are enquiry contacts. Lodge the signed authority at the destination given for that product’s discharge request.

For Options, AFG’s discharge article dated 9 August 2023 gives a specific route. Call 1800 629 948 to request the Full Discharge Authority. Return it to discharges@pepper.com.au or PO Box 244, Parramatta CBD, New South Wales 2124, under the Options discharge instructions.

Ask for a full discharge if all the facility’s securities will be released and the facility closed. When one property will remain as security, describe the proposed partial release to the product team before obtaining its required paperwork.

Compare any form from a conveyancer’s library with the client’s product and contract. If its provider differs, request the matching form from the product team. A familiar AFG logo doesn’t make an Edge authority suitable for Retro or Options.

Complete and Lodge the AFG Form

Complete the authority issued for the identified product, obtain its required signatures and retain proof that the discharge team received it. Prepare the information below, then follow the actual form’s fields and instructions.

1. Enter the loan details. Use the account or loan identifiers from the statement and include each split covered by the request. Keep the borrower names consistent with the contract.
2. Identify the securities. Give each property’s full address and state whether the request is a sale, refinance or payout. Specify which properties will remain if you need a partial release.
3. Provide the settlement details. Record the proposed date, the incoming lender where relevant and the solicitor or conveyancer’s contact details. Include the person authorised to discuss the request.
4. Complete the signature section. Obtain every signature the product’s authority requires and follow its rules for paper or electronic signatures. Ask the team for signing instructions where a company or authorised representative is involved.
5. Lodge the complete document. Send every required page and attachment to the product’s discharge destination. Record the receiving address, date sent and acknowledgment or case reference.

The current Advantedge authority, marked August 2026, illustrates why the product matters. It requests loan identifiers, property addresses, borrower contact details, settlement representation and an account for remaining funds. All borrowers must sign it, and digital signatures aren’t accepted.

That form is for full discharges only. It also states a completed-request deadline of 6 October 2026 and final settlement before 13 October 2026 at 5pm Australian Eastern Daylight Time (AEDT). For an Edge request outside those dates, obtain the applicable instructions from Edge support before sending the authority.

Treat acknowledgment as the next checkpoint. Ask the receiving team to identify any missing pages or signatures so you can supply those items against the same reference. If you sent an authority to the wrong product team, obtain the correct destination and record the new receipt date.

Fees, Priority Handling and Settlement

Quote the client’s discharge costs from the loan’s current fee schedule and applicable notices, then reconcile them with the payout statement for the settlement date. Keep the administration fee separate from any priority charge and third-party costs. A statement balance alone isn’t the amount needed to settle.

For Retro and Link, the AFG Securities terms page links its priority-discharge notice dated 26 July 2024. The notice states a priority fee of $200 per security per property, in Australian dollars. It applies in addition to the standard Discharge Administration Fee for expedited full or partial releases.

The notice describes normal processing as up to 20 business days after receipt of all required discharge documentation, plus third-party timeframes. This is the Retro/Link notice’s timeframe. A priority payment doesn’t establish a guaranteed settlement date for every AFG product.

Read the client’s schedule alongside subsequent fee notices before giving a total. AFG Securities’ January 2024 general terms make the schedule part of the loan agreement and provide for fees specified there. Those terms also describe break costs when a fixed-rate loan is repaid early, so request the client’s estimate before arranging that payout.

Track the discharge through the following checkpoints.

1. Obtain the payout figure. Record its settlement date and the accounts it covers. Have the discharge team update the figure if the date changes.
2. Confirm settlement arrangements. Give the acting solicitor or conveyancer the discharge reference and the receiving team’s details. For Options, AFG’s 9 August 2023 instructions say it confirms when its solicitor is instructed and provides the solicitor’s details for settlement coordination.
3. Clear outstanding requirements. Follow up against the case reference for missing documents, signature corrections or an unconfirmed booking. Keep the client informed when the proposed date cannot yet be relied on.
4. Confirm the completed release. Obtain the servicer’s written confirmation of settlement and the relevant account closure or continuing balance. Have the conveyancer confirm the mortgage release for the intended property.

For a partial discharge, check that the confirmation identifies the property released and the security retained. For the broader settlement sequence, use the discharge of mortgage guide or find another lender in the mortgage discharge directory. Close the follow-up record only when the intended release and the loan’s final status are confirmed.