Brighten Home Loans Discharge Authority: Form and Steps

To get the Brighten Home Loans discharge form for your client’s sale or refinance, request it from Brighten Client Services. Call 13 14 88 or email clientservices@brighten.com.au. Obtain the authority and return instructions for the client’s loan before collecting signatures.

A discharge request needs the right loan and property details, followed by lender acknowledgement and a settlement payout figure. If the client is releasing only one property, prepare for an assessment of the loan and security that remain.

For a transaction involving another lender too, use the mortgage discharge forms directory to keep its authority separate.

Verify the Brighten Loan and Form

Match the loan records to the lender and servicer, then obtain the discharge authority through Brighten’s post-settlement team. Brighten’s residential lending guide, effective 17 September 2026, names Brighten Home Loans Pty Ltd as lender and Brighten Financial Pty Ltd as servicer. It lists Client Services at clientservices@brighten.com.au and 13 14 88 for post-settlement variations.

Use the client’s current statement and loan documents to identify the facility. If those records name a different lender or servicing arrangement, give Client Services that information when requesting the authority. The official Brighten contact page also provides an enquiry form and the telephone number.

1. Request the discharge authority for the identified loan. Describe whether the transaction is a sale, refinance or partial security release.
2. Save the form and its accompanying instructions. Record the form’s printed version or revision date, plus the date Brighten supplied it.
3. Establish who can act on the request. Have the borrower start it, or arrange the authority Brighten requires for you or another representative to act.
4. Confirm the required signatories before sending the form to the client. A broker’s authority to discuss the account must not be treated as permission to sign for the borrower.

The result at this stage is an account-matched authority with return instructions and identified signatories. Keep that version with the file so a later correction uses the same document.

Prepare the Release Details

Prepare a loan and property schedule before completing the authority, with a separate entry for each facility and security involved. Use that schedule to fill the fields on the form Brighten supplied. It also gives the conveyancer a record to compare with the proposed settlement.

Collect these details for the file, then supply them where the form or Brighten’s instructions require them:

• Borrower names and current contact details, matched to the loan records.
• Loan account numbers, including any separate splits being repaid or retained.
• Each property address and the title details available from the conveyancer.
• The reason for release and proposed settlement date.
• The solicitor or conveyancer’s name, contact details and transaction reference.
• The required signatures and any evidence of representative authority.

For a full payout, identify every loan being closed and every security intended for release. For a partial release, identify the property leaving and the loans and properties staying. Paying down part of the debt does not itself approve the release of one property.

Brighten’s guide effective 17 September 2026 requires a written partial-discharge request signed by all guarantors and a formal credit submission. That submission includes an updated asset and liability statement and an income and expenses declaration. Brighten must be satisfied that the remaining security supports the outstanding facilities within its product parameters.

The guide also requires revaluation when remaining security valuations are more than six months old. Arrange the partial-release assessment before treating the sale date as an agreed discharge date. Keep any approval conditions beside the proposed amount to be paid at settlement.

Submit and Follow the Acknowledgement

Submit the signed authority through the receiving channel in Brighten’s account-specific return instructions, then retain evidence that the request arrived. Client Services is the post-settlement enquiry contact listed in Brighten’s guide effective 17 September 2026. Obtain the return destination with the form so a general enquiry does not become a misdirected discharge submission.

1. Check the completed authority against the loan and property schedule. Resolve missing details and collect every required signature before sending it.
2. Lodge the authority with the requested supporting documents. Retain the submitted version, attachments and dated transmission receipt.
3. Obtain Brighten’s acknowledgement. Record its reference, the team handling the request and any outstanding action or proposed timing.
4. Send the conveyancer the acknowledged status. Identify anything still required before Brighten can prepare for settlement.

If acknowledgement does not arrive, use the transmission receipt to ask Client Services whether the request reached the right team. Ask for a case reference before resending, so the lender can connect the follow-up to the existing request.

If Brighten returns the authority, make a correction list from its response. Separate missing account or property details from missing signatures, representative authority and any requested supporting documents. Give each item an owner and tell the conveyancer which action still prevents settlement preparation.

For example, if a partial-release assessment needs an updated income declaration, ask the client to supply that declaration. Tell the conveyancer the assessment remains open and record when the document is submitted. Mark the item cleared only after Brighten confirms it has accepted the correction.

Check the Final Settlement Position

Use the lender’s payout figure for the actual settlement date and reconcile it with the conveyancer’s funds calculation. Record the loan accounts covered, the figure’s effective date and the fees included. Ask the party preparing the payout to identify any charge excluded from that figure.

Brighten’s frequently asked questions, as at October 2026, distinguish early repayment of variable-rate loans from fixed-rate break fees. That distinction does not establish the total cost of discharging a particular loan. Use the client’s loan terms and itemised payout to account for discharge costs and any applicable break fee.

If settlement moves, obtain the payout applicable to the revised date before relying on the earlier funds estimate. Interest and account transactions can change the amount required. Send the updated figure to the conveyancer and resolve any funding shortfall before settlement.

After settlement, retain confirmation that the lender received the required payment. For a full payout, reconcile the account closure with the facilities listed on the authority. For a partial release, reconcile the remaining loan and security with Brighten’s approval.

Ask the conveyancer to confirm the status of the mortgage release for each affected title. Keep any outstanding registration or document-return action open separately from the payment record. The discharge of mortgage guide explains the wider responsibilities for repayment and release.

Close the broker’s discharge task when the payment, intended account outcome and security-release status are recorded. If a title action remains outstanding, record who owns it and the next follow-up date before handing the file back.