Mortgage House Discharge Form: Submit and Track It

To obtain a Mortgage House discharge form, contact Customer Care on 02 8116 1010 with the client’s loan number. Identify who services the account, obtain the correct authority and nominate the incoming lender or conveyancer to arrange the payout and settlement.

Keep the latest statement and the client’s authority to act ready before making the request. If the refinance releases only one property from several securities, describe it as a partial discharge.

Confirm Who Services the Mortgage House Loan

Start with the client’s latest loan statement and welcome letter to identify the account administrator and loan number. The brand through which the loan was arranged doesn’t by itself establish the discharge destination.

As at October 2026, Mortgage House’s account-help page explains that accounts can have different funders. Its online Transaction portal gives customers access to statements and account details. Use those records to identify the specific loan being refinanced.

1. Read the statement’s servicing contact details alongside the original loan documentation.
2. If Mortgage House administers the account, use its official Customer Care contact, 02 8116 1010, listed as at October 2026.
3. If another administrator is named, use that administrator’s official contact route. Ask it to identify the team handling this loan’s discharge.
4. Record the responsible team, contact details and account reference in your file note before requesting the authority.

Where the documents show different organisations, give Customer Care the loan number and have it identify the correct discharge team. Keep the confirmed destination with the form so a colleague can follow up the same request.

Request and Complete the Discharge Form

Request the authority for the client’s loan and discharge type through the servicing contact identified above. Ask for its submission instructions at the same time.

The Mortgage House authority hosted by MSA National, available as at October 2026, has full and partial discharge options. It requires all borrowers to sign. Full discharge uses sections 1, 2, 3, 4 and 6, while partial discharge uses every section.

Use the form supplied for this account. Gather borrower names, contact details, loan numbers, property addresses, discharge reason and the incoming lender’s name. Add the nominated solicitor or financial institution’s contact details.

For joint individual borrowers, collect each borrower’s signature and date. For a company borrower, identify the officers signing for that company and state their capacity. Avoid sending a company authority signed as though a director were the individual borrower.

The Australian Government Solicitor’s execution guide explains section 127 of the Corporations Act 2001. A company can sign through two directors or a director and secretary. A proprietary company’s sole director can sign where that person is also secretary or the company has no secretary.

For a trust borrower, match the trustee’s legal name and capacity to the loan documents. Individual trustees sign in their trustee capacity. A corporate trustee uses company execution, with the trust capacity identified.

Have the client’s legal representative resolve any changed trustee, officer or signing authority before execution. Obtain the servicer’s required signature block for that borrower structure before circulating the form. This also resolves whether an electronic signature or separate guarantor authority is accepted for the account.

Lodge the Form and Get a Payout Figure

Send the signed authority to the discharge destination given for the account, then obtain acknowledgement that the request is complete.

As at October 2026, the Mortgage House authority hosted by MSA National lists discharges@mortgagehouse.com.au for email lodgement and 02 8116 1099 for fax. Use that email when Mortgage House confirms it handles the loan. Follow a named administrator’s instructions when it handles the account instead.

Keep the signed attachment, sent message, lodgement date and acknowledgement. Record any missing item separately, with the person responsible for supplying it. A sent email alone doesn’t establish that the discharge team has accepted a complete request.

1. Provide the nominated incoming lender or conveyancer with the acknowledgement and discharge reference.
2. Have that representative request the payout for the proposed settlement date from the responsible discharge team.
3. Record the payout’s effective date and any further conditions before settlement can be booked.
4. Obtain confirmation that both sides are ready for the agreed settlement date.

The authority permits Mortgage House to provide account and security information to the nominated representative, as at October 2026. Nominate the person actually arranging settlement so the discharge team can deal with them.

If acknowledgement is missing, follow up with the loan number and sent copy. If a signature is rejected, correct the capacity or missing signatory identified by the servicer. If settlement moves, have the representative obtain an updated payout for the new date.

Finish the Discharge

Reconcile the final payout with the servicer’s statement before the incoming lender releases settlement funds. Separate the loan balance from accrued interest and each discharge-related charge.

Mortgage House’s refinancing guidance, as at October 2026, identifies discharge fees, legal or settlement costs and government charges as potential switching costs. Fixed-rate break costs can also apply. Use the client’s contract, applicable fee schedule and dated payout statement to identify the actual charges.

Compare the payout’s account numbers with the accounts being closed. Resolve any unexpected charge or missing account with the discharge team before settlement. Include any client contribution needed when the new loan doesn’t cover the full payout and costs.

After settlement, retain the confirmation of payment and the servicer’s confirmation that the intended accounts are closed. Obtain the conveyancer’s or settlement representative’s evidence that the outgoing mortgage has been released from the intended title. A partial discharge leaves the remaining security and loan arrangements to be recorded separately.

Ask the client to move recurring payments and salary credits from any account being closed. Reconcile any surplus and linked-account balance with the final statement.

For the process shared across lenders, use the discharge of mortgage guide. The lender discharge directory covers other lenders when the client has another loan to release. Close the Mortgage House file note when it contains the accepted authority, final payout, settlement confirmation and evidence of the intended security release.