CBA Mortgage Discharge Authority: Form and Steps

Start a Commonwealth Bank of Australia (CBA) discharge authority through the bank’s official Discharge/Refinance Authority page. As at October 2026, property sales start in NetBank, while refinancing starts with a call to CBA on 1300 219 166.

For other home loan releases, CBA’s online form produces a PDF to print and sign. Choose the route that matches your client’s loan and instructions before collecting signatures. A request to release one property while keeping other debt needs different instructions from a full payout.

For other lender routes, use the mortgage discharge guides.

Find the Current CBA Authority Route

Open CBA’s official Discharge/Refinance Authority page each time you start a request. As at October 2026, that page separates home loan sales, refinancing and other releases. Use its current links and instructions instead of a saved discharge form from a broker’s document library.

1. Confirm the loan belongs on the home loan route. Business loans and commercial property use the separate business process, including business loans secured by residential property.
2. Identify what the client wants released. Record every loan to close and every property that must remain as security.
3. Start the applicable bank route. For a sale, the borrower submits through NetBank. For a refinance, CBA asks to speak with a borrower, their Relationship Manager or Private Banker on 1300 219 166.
4. For other home loan reasons, select “Let’s get started” on the official page. Complete the online details, then download the PDF that the process produces.

The home loan form asks whether all loans for the property will be repaid and closed. Answer that question from the client’s actual instructions. It determines whether the request is a full or partial release.

Client’s instructions	What to identify before proceeding	Result to obtain
Sell the property and close all secured loans	Sale property, contract and every account to close	Full discharge and payout instructions
Refinance the property to another lender	Incoming lender, settlement representative and accounts to repay	CBA’s refinance discharge instructions following the initial call
Release one property while keeping a CBA loan	Property to release, remaining securities and accounts to retain	Partial release terms accepted by CBA
Loan already repaid	Property title and whether the client wants the mortgage removed	Release-without-settlement instructions

A refinance can also involve a partial release. Selling a property doesn’t automatically mean every CBA facility closes. In a hypothetical two-property sale, identify the sold property separately from the property that remains with CBA.

Commercial Discharge Requests

Use CBA’s business loan discharge page for a business loan or commercial property. As at October 2026, its instructions provide an online signing route and a downloadable paper form. A business refinance starts with the Relationship Manager or 1300 219 166.

For other business releases, the online process emails the form for review and then sends it to the required signers. Paper forms need all borrowers and guarantors to sign with a pen. Return the paper form to the Relationship Manager, email CBABusinessDischarges@cba.com.au or deliver it to a branch.

Keep the home loan and business submission addresses distinct. A residential security address alone doesn’t determine which loan process applies.

Prepare the CBA Request

Gather the names and account details before completing the CBA form, then match them against current statements and the loan contract. As at October 2026, CBA’s home loan form asks for the details below, with questions changing according to the release selected.

• All borrower names and any guarantor names, with the relevant contact details.
• Home loan and line of credit account numbers, plus any Everyday Offset accounts.
• Every existing security, including guarantor properties, with addresses and title references where requested.
• The action for each property, such as sold, remaining with CBA or release without settlement.
• Proposed settlement date and sale price where applicable, plus the contract of sale for a sold property.
• The person acting at settlement and the broker, solicitor, conveyancer or incoming lender’s contact details. If you’re completing it as a broker, provide your broker identification number and state where requested.
• Whether each account closes or remains open, including any requested new loan balance or line of credit limit.
• A nominated account for excess funds and debit details for registration fees when releasing a mortgage without settlement.

An offset account holds money separately from the loan. Record the client’s instructions for it separately from the instruction to close the home loan. Check the account name, bank-state-branch (BSB) number and account number against the statement before entering an excess-funds destination.

For a repaid loan, the form asks whether to release the mortgage from the property title. It also requests a funded debit account for the land registry registration fee. A missing or incorrect debit account can prevent that discharge.

CBA states that requested changes to a credit limit or home loan balance can require credit approval. For a partial release, obtain CBA’s terms before treating the remaining debt arrangement as agreed.

Keep missing information in your file notes, with the person responsible and the date you requested it. Leave an unanswered declaration for the borrower to review. Don’t guess an account number or complete a signature on the borrower’s behalf.

Review the generated authority against the instructions before anyone signs. For the printed home loan route, all borrowers and guarantors must sign. For NetBank sales, CBA requires consent from all borrowers.

If a borrower doesn’t want their personal information shared with co-borrowers, CBA’s entry page allows a separate authority. It gives 1300 219 166 as the assistance number. Resolve that preference before circulating a joint form.

Submit and Track the Authority

Submit the signed home loan authority through CBA’s stated channel and keep evidence of what was sent. As at October 2026, CBA directs printed forms to cbadischarges@cba.com.au or a branch. For NetBank sale requests, processing follows receipt of all borrowers’ consent.

1. Submit the completed authority. Keep the PDF and attachments, or retain the NetBank confirmation available to the borrower.
2. Record receipt. Save the sent email with its date and attachments, any bank acknowledgement and any reference CBA provides. For branch delivery, request evidence of receipt.
3. Confirm outstanding items. If CBA asks for a missing signature or document, record the exact requirement and return the corrected item through its instructed channel.
4. Confirm settlement readiness. Have the settlement representative obtain CBA’s agreement to the proposed date and the conditions that must be satisfied.

Mark receipt, completeness and settlement-date acceptance separately in your tracking record. A sent email proves transmission. It doesn’t prove that CBA has a complete authority or has accepted the settlement booking.

When the Date or Authority Changes

If the settlement date changes, give CBA the request reference, property, affected loan accounts and revised date. Notify the solicitor, conveyancer or incoming lender too. Ask CBA whether it needs a replacement authority and have the settlement representative obtain a payout figure for the revised date.

For an incomplete home loan authority or a stalled request, contact CBA through 1300 219 166 with the submitted version and missing-item history. The official page lists 8am to 6pm, Monday to Friday, Sydney time. Overseas callers use +61 2 4749 0774.

If a refinance form link expires, CBA instructs the customer to call 1300 219 166 for a new link. A broker can help organise the call and correct the file details. The borrower completes any identity verification and gives their own consent.

For a business request with a Relationship Manager, refer the change to that manager. Keep the revised instructions with the original request so the parties can distinguish the current version from an earlier one.

Confirm the CBA Release

Close the discharge file only when the payout and the requested security release have both been confirmed. As at October 2026, CBA’s home loan management page lets the borrower view an estimated payout figure in NetBank. That estimate includes fees and interest for the chosen settlement date.

CBA’s consumer mortgage fee schedule effective October 2026 lists a $350 Settlement Fee (Discharge). Its stated trigger covers selling part or all of the security property or refinancing with another credit provider. Treat this Australian-dollar bank fee separately from registration charges and any fixed-rate early repayment costs.

Use the final CBA payout figure for the actual settlement date. Have the settlement representative reconcile it with the funds available and obtain settlement confirmation. An account balance or an earlier estimate doesn’t settle the amount due on a different date.

Checkpoint	Responsible party to follow up	Evidence to retain
Payout amount for the settlement date	CBA, through the authorised settlement representative	Dated payout figure and funds reconciliation
Settlement completed	Solicitor, conveyancer or incoming lender coordinating settlement	Settlement confirmation showing the CBA payment
Accounts closed or retained as instructed	CBA	Closure confirmation or written details of the remaining facilities
Mortgage removed from the released property’s title	CBA or its lodging representative, followed up through the conveyancer where engaged	Registration confirmation and an updated title search

For a partial release, verify the sold or released property’s mortgage is removed while the retained loan and security match CBA’s agreed terms. For a refinance, the new lender’s mortgage can appear on the title after CBA’s mortgage is removed. For a repaid loan without settlement, follow up the registration directly with CBA or the representative managing that release.

Keep a loan with a zero balance open in your tracking record until the requested mortgage release is confirmed. If CBA remains on the title, give the lodging party the property title reference and settlement evidence to trace the registration. The discharge of mortgage guide explains the broader completion checks and fee categories.