Athena Mortgage Discharge Form: Authority and Steps

To request the Athena discharge form, have the borrower contact Athena on 13 35 35 or email hello@athena.com.au for the discharge authority and return instructions. Arrange authorisation from every borrower, then track the payout and removal of the mortgage from the property title.

A full refinance pays out the existing loan and releases its security. If your client wants to release only one property or replace a security property, request that change separately before arranging settlement.

How Athena Issues the Authority

Start the Athena discharge request through its support team, with the borrower identifying the loan and explaining the proposed refinance. As at October 2026, Athena’s Credit Guide publishes 13 35 35 and hello@athena.com.au as its contact channels. It identifies Athena Mortgage Pty Ltd as the credit provider.

Use this sequence to get the authority ready for signing.

1. Have the borrower contact Athena with their loan account number and intended settlement date. Ask for the discharge authority for a full refinance.
2. Have the borrower authorise Athena to deal with you and the solicitor or conveyancer handling settlement. Keep that authorisation with the file.
3. Obtain the authority and its completion instructions from Athena. Record the signing method and return destination supplied for this loan.
4. Return the completed authority through that destination. Retain the submitted copy and get acknowledgement that Athena has received an actionable discharge request.

Athena’s loan-management FAQ explains how the borrower can view account information through Home Hub or the app. Use those account details to identify the loan when requesting the authority. A balance displayed in the app isn’t a settlement payout quote.

Keep requests to leave Athena separate from documents for an incoming Athena application. For the next application, use the Athena broker-access guide.

Borrower Signing and Security Details

Prepare the borrower, loan and property details before completing the authority, and arrange each borrower’s authorisation using Athena’s supplied signing instructions. Match names to the loan records and check that the proposed release covers the correct property.

Gather these details for the request and settlement team.

• The loan account number and any loan splits being paid out.
• Each borrower’s full name and current contact details.
• The address of every property being released, with title details available from the conveyancer.
• The reason for discharge and proposed settlement date.
• The incoming lender’s details for a refinance, or sale details when a property is being sold.
• The solicitor or conveyancer’s name and contact details.
• Instructions for remaining funds and any offset account balance.

Use the authority issued for the client’s loan. Where Athena supplies a signing link, each borrower follows their own signing instructions. Where it supplies a document, each borrower completes the signature fields required by that document.

Return the complete authority, including any required attachments.

If a borrower can’t sign in the requested way, raise that obstacle with Athena before submitting the authority. Sending a partly completed authority can leave the request waiting for further authorisation.

Partial Release or Security Substitution

A partial release removes one security property while the loan continues against the remaining security. A security substitution replaces a property securing the loan. Neither action necessarily closes the loan.

As at October 2026, Athena’s Straight Up page describes both changes for loans secured by multiple properties. Athena requires a credit assessment when a change increases the loan-to-value ratio (LVR), the loan balance divided by the security value.

For a partial release, identify the property leaving the loan and those staying. For a substitution, identify the outgoing and replacement properties. Obtain Athena’s agreement to the proposed security arrangement before treating the release as ready for settlement.

If the client later applies for another Athena loan, the Athena lending-policy guide covers the new assessment.

Exit Costs Before Settlement

Athena’s discharge costs depend on the loan product, while government registration charges and fixed-rate break costs are separate items.

As at October 2026, Athena’s home-loan FAQ states that Straight Up and Power Up have no Athena discharge fees. Its Tailored loans can carry Athena fees, so use the client’s loan contract and itemised payout for that product.

Athena’s no-fees page identifies government costs for discharging a mortgage, registering a title transaction and obtaining a title search. Have the conveyancer include the applicable state or territory registration charges in the settlement statement. Keep them separate from any charge levied by Athena.

Athena’s fixed-rate guidance states that repaying the loan in full during a fixed period can trigger break costs. Obtain an estimate for the client’s intended repayment date before deciding when to refinance.

Obtain the Settlement Payout

Ask Athena for a written payout figure dated for the proposed settlement day. The quote must account for the amount needed to close the loan, including accrued interest and any applicable costs.

Have the settlement team confirm the following in the payout instructions.

• The date through which the quoted interest is included.
• Any daily interest amount payable if settlement moves.
• The treatment of each loan split and any offset funds.
• The payment destination and reference.
• Whether a changed settlement date requires a replacement quote or updated break-cost calculation.

If settlement is postponed, update the payout before funds are sent. Continue the scheduled repayments until Athena confirms the loan is closed and advises how to end the repayment arrangement.

For fee types and the wider settlement sequence, use the mortgage-discharge process guide.

Track Release and Close the File

Close the refinance file after reconciling the settlement payment, Athena loan closure and registered mortgage release. Athena’s conveyancing guide, as at October 2026, explains that the outgoing lender supplies a payout figure and the title is checked for mortgage discharge at settlement.

Keep a separate record for each outcome, with the confirming person’s name, date and supporting document.

Outcome	Confirmation to retain	Person to follow up
Settlement completed	Settlement statement and payment confirmation	Solicitor or conveyancer
Athena loan closed	Written closure confirmation and final account position	Athena support or discharge contact
Mortgage released from title	Registration confirmation or an updated title search	Solicitor or conveyancer
Remaining funds resolved	Account or payment record showing where the balance went	Athena and the borrower

If the authority hasn’t been acknowledged, follow up with its submission date and copy. If settlement readiness is delayed, ask the discharge contact to identify the outstanding item and give the conveyancer that answer.

If the loan closes but the title still shows the mortgage, have the conveyancer trace the discharge lodgement and registration status. Keep that item open until the title evidence shows the release.

For a client leaving several lenders, use the lender discharge guides to prepare a separate authority for each loan. Send the client the final settlement statement, Athena closure confirmation and title-release evidence once all three outcomes are complete.