St.George Mortgage Discharge Authority: Form and Steps

To get the St.George discharge form, start with the bank’s mortgage discharge page and choose selling, a repaid loan or refinancing. Complete and sign the authority for that route, return it as instructed and track both the bank’s response and the mortgage release.

A payout figure tells you what must be paid. A completed discharge removes the mortgage from the property title, the legal record of ownership. Keep those outcomes separate when updating your client.

Confirm the St.George Process

Use St.George’s mortgage discharge instructions to choose the request that matches the client’s transaction. As at October 2026, the bank has separate directions for selling, paying off a loan and refinancing.

First, match the lender name, loan account and security property to the client’s statement and loan documents. Ask the client’s solicitor or conveyancer to resolve a different name on the title. St.George is a division of Westpac Banking Corporation, but that relationship alone doesn’t select another group’s discharge process.

If the file says STG, establish that it means this St.George loan. If the documents instead identify Bank of Melbourne, use the Bank of Melbourne discharge guide.

1. For a sale, open the bank’s selling-property page. Its discharge link opens the online Property and Security Request form at psr.stgeorge.com.au. This is the PSR form, short for Property and Security Request.
2. For a repaid loan, follow the paid-off loan instructions. Allow 20 minutes for the online form because it cannot be saved and resumed. Return it through the email, branch or postal route on that page.
3. For refinancing, follow the switching-lender instructions. Call 1300 302 302 or request a callback. The bank sends a form to complete and sign, then directs its return to mortgagesecurityvariations@stgeorge.com.au.

The St.George home loan forms centre also links a PDF called Request to Amend an Existing Security. The linked copy carries version code WBC9624/12016 0125. It remains linked by the bank, so an online route doesn’t make every PDF obsolete.

Keep each form with its own instructions. The linked PDF directs a full discharge to nswdischarges@stgeorge.com.au and a partial discharge or substitution to mortgagesecurityvariations@stgeorge.com.au. The refinancing page directs its supplied form to the latter address.

If the bank supplies conflicting directions for your request, call the relevant support route before sending personal documents.

Complete the St.George Authority

Prepare the account, property and representative details before the client signs the St.George authority. As at October 2026, the bank-linked PDF sets out the following completion order.

1. Select full discharge, partial discharge or substitution, then the reason for release. For debt repaid, it directs completion of a Repaid Loans Advice Form.
2. Enter customer names, loan account, contact details and correspondence address in section 1.
3. Enter the solicitor, conveyancer or other financial institution and appointed contact’s details in section 2.
4. List released properties, title reference if known, sale price, anticipated settlement date and location in section 3.
5. Give payout, loan closure or limit-reduction instructions and surplus-funds details in section 4. Complete section 5 for substitute security, then section 6 for additional information.
6. Obtain signatures, full names and dates in section 7 from all loan parties, including guarantors. Executors or power-of-attorney signers must supply supporting documents.

Ask the solicitor or conveyancer to confirm title references and the properties being released. Ask the incoming lender who will act for the refinance, then enter that current contact. An old conveyancer from the original purchase isn’t automatically the representative for today’s transaction.

Resolve uncertainty about an executor or attorney with the legal representative and St.George before signing. A broker’s engagement authority doesn’t establish that the broker can sign for a borrower.

Read the customer authority with the client. It authorises applicable fees under the loan agreement. It also permits cancellation of linked facilities such as an offset facility.

Plan where continuing payments and surplus funds will go before authorising closure.

Move to submission only when the client’s instructions, the representative’s details and the security list agree. For a partial release, record which property remains as security so the request cannot be mistaken for release of every property.

Track the St.George Discharge

Track the signed authority from submission to settlement and title confirmation, with a separate status for each stage. As at October 2026, St.George’s refinancing page expects a confirmation letter about 10 days after receiving everything it needs. That is a response expectation, not a promise that settlement or registration finishes within 10 days.

The paid-off loan page directs return to mortgagesecurityvariations@stgeorge.com.au, a St.George branch or St.George Home Ownership Services, Locked Bag 1, Kogarah NSW 2217. It expects a confirmation letter about 10 days after receiving the form. It gives 1300 304 660 for help with a payout shortfall or surplus.

The linked PDF instead asks for lodgement at least 10 business days before settlement, excluding public holidays. Build that lead time into a PDF request. Keep the bank’s actual settlement readiness advice separate from both published timeframes.

Use a record like this for each request. These are suggested file controls, not names of bank portal statuses.

Stage	Evidence to retain	What the broker records next
Submitted	Signed authority, attachments, destination and sent date	Request reference and follow-up date
Acknowledged	Bank response identifying the request	Missing items and who must supply them
Correction requested	Exact bank question and corrected document	Version sent and bank confirmation of receipt
Payout prepared	Payout figure and the date it applies to	Whether the settlement representative has it
Settlement ready	Written bank advice or representative’s confirmation	Outstanding conditions and agreed settlement date
Settled	Settlement confirmation and final loan position	Any remaining title-registration evidence
Registered	Representative’s confirmation or updated title evidence	Mortgage released from each intended property

When St.George asks for a correction, reply through the channel in the request and quote its reference. Preserve the previous version and identify what changed. Ask for confirmation that the correction is attached to the existing request before submitting a duplicate authority.

If no acknowledgement arrives, use the sent record to establish where the signed form went. A callback confirmation records a call request only. Have the client or authorised representative contact the bank about receipt of the discharge authority, with the account and submission date available.

For costs, St.George’s paid-off loan page lists a $350 discharge fee per loan account, as at October 2026. Government title fees, fixed-rate break costs and other applicable charges are additional. Use the bank’s payout figure for the amount due on the planned settlement date.

Resolve an Old Form Result

Compare an old St.George discharge authority with the form reached through the bank’s current forms centre before using it. As at October 2026, that centre links the January 2025-coded Request to Amend an Existing Security PDF and directs online requests to the mortgage discharge page.

Check the form name and version code, then compare its submission destination and signature instructions. Save the current bank link in the file. A recent upload date on a directory doesn’t establish that the document itself is current.

For example, an older PDF might name a different discharge unit or postal address. Carry across the client’s verified facts into the current request, but use the current request’s own return directions. Keep the old file only as background evidence.

When an old link fails or an online form won’t open, return to the official discharge page for the route-specific phone or callback service. Ask the bank to supply the authority for the named loan and transaction. Use that supplied form and its return instructions instead of a cached directory copy.

Retain Completion Evidence

Retain separate evidence that the St.George loan has been dealt with, settlement has completed and the intended mortgage has been removed from the title. A zero balance or payout receipt alone leaves the title question unanswered.

As at October 2026, St.George’s paid-off loan page says the loan account doesn’t close automatically when repaid. Its discharge process includes settling the payout figure, closing the account and removing the mortgage. Follow through each stage instead of closing the broker file when the balance reaches zero.

Keep the following records with the client’s instruction.

• The lender’s confirmation of the final loan position and any account closure.
• The settlement representative’s confirmation of settlement, including any remaining action.
• Registration confirmation or updated title evidence for every property the request was meant to release.
• For a partial discharge, confirmation of the released property and the security retained by the bank.

The solicitor or conveyancer handles the legal settlement and registration work within their appointment. The broker follows up and keeps the evidence, without representing that a bank acknowledgement proves legal lodgement.

Use the mortgage discharge guides for lender-specific requests. For the wider distinctions between repayment, discharge and registration, use the discharge of mortgage guide. Before telling the client the release is complete, match the completion evidence to the exact loan accounts and properties in the signed authority.