Suncorp Mortgage Discharge Authority: Form and Steps

To obtain a Suncorp discharge authority, call Suncorp Bank on 13 11 75 or visit a branch to request its Home Loan Servicing Request. The bank prepares the form for your client’s release. Review it, arrange the required signatures and follow the bank’s return instructions.

For brokers arranging a sale or refinance, the signed authority starts the bank’s discharge work. Settlement booking and removal of the mortgage from the title need their own completion evidence. Use the mortgage discharge guides for other lender processes.

Locate Suncorp’s Current Bank Instructions

Start from Suncorp Bank’s home loan closure instructions, which set out its bank-prepared form process as at October 2026. Suncorp Bank is Norfina Limited, now part of Australia and New Zealand Banking Group Limited (ANZ). The bank uses the Suncorp brand under licence and is separate from Suncorp Group.

Use the banking route for the mortgage. A Suncorp insurance cancellation or insurance enquiry goes through a different service and doesn’t authorise release of the bank’s mortgage.

1. Identify the current lender and loan accounts from the client’s latest statement. For older Suncorp Metway paperwork, match the account to the bank’s current servicing record.
2. Tell the bank whether the client is selling, refinancing, paying out from their own funds or requesting release of specified security while retaining debt.
3. Request the Home Loan Servicing Request for that transaction. Suncorp supplies it by email, post or a digital envelope through DocuSign.
4. Review the supplied authority before signing. Suncorp states that it won’t accept discharge forms from other banks.

If you want a Suncorp mortgage discharge form in PDF format, request the bank’s emailed form through this process. Keep the supplied version with the client’s file instead of starting from an old downloaded authority.

The bank’s documents and forms page also lists a Broker Authority for Existing Loans. Keep permission to discuss an existing loan separate from the signed instructions to discharge it.

Build the Authority and Settlement Record

Prepare a record of the client’s intended release, then reconcile it with the Home Loan Servicing Request the bank sends. As at October 2026, Suncorp’s public closure process requires review of the prepared details before signature. Use the supplied form’s fields and signer instructions for this request.

Gather the following information before the bank prepares the authority.

• Borrower names, contact details and loan account numbers from current records.
• Each property’s address and title reference, with the registered owners and any guarantor security identified.
• The purpose of the request and the accounts to repay or retain.
• Proposed settlement date and the solicitor, conveyancer or incoming lender’s contact details.
• The client’s nominated surplus-funds account, checked against an account record.
• The people who must sign, with any company, trust or representative signing arrangements raised with the bank.

Keep a separate instruction for each security. For a full discharge, identify all debt and securities within the request. For a partial release, state which property leaves Suncorp and which debt and security remain.

In a hypothetical two-property file, the client sells one property and keeps the other with Suncorp. Record the sold property’s title separately. Obtain the bank’s agreed repayment and remaining-security conditions before treating that release as ready for settlement.

Suncorp’s fee schedule effective 2 October 2026 lists a $300 renegotiation fee for changes including a partial security release. Package rebates and the client’s contract can affect the charge. Have the bank identify the terms applying to the retained facilities and record any valuation or other outstanding requirement.

Arrange signatures only after the borrower has checked the request. For a digital envelope, each required signer completes their own signing step. Resolve incorrect names, account details or missing signers with the bank before returning the authority.

Follow Submission and Payout Progress

Return the authority using the route supplied for its delivery method and keep evidence of receipt. As at October 2026, Suncorp’s closure guide provides digital signing through DocuSign, or return of a signed paper copy by post or at a branch. Use the return address on the bank’s instructions.

1. Retain the signed authority. Save the completed digital copy or a copy of the paper document and its attachments.
2. Record submission evidence. Keep the digital completion record, postal tracking or branch receipt, then save the bank’s acknowledgement and reference when supplied.
3. Record outstanding actions. Give each missing document or signature an owner and a follow-up date tied to the intended settlement.
4. Confirm the booking through the settlement representative. Follow up with the solicitor for a sale, or the incoming lender for a refinance.
5. Obtain the payout for the actual settlement date. Have the settlement representative reconcile the amount and payment instructions with the bank.

Track transmission, bank acceptance and settlement booking separately. A posted form proves dispatch. It doesn’t establish that the bank has accepted a complete authority or booked settlement.

Check the Payout Components

Suncorp’s fee schedule effective 2 October 2026 lists a $350 loan finalisation fee when the specified Standard Variable, Fixed Rate or Back to Basics loan is paid out in full. This Australian-dollar bank fee covers the stated full-payout event, including a refinance. It isn’t the entire amount needed to discharge the mortgage.

The schedule also provides for an Early Payment Interest Adjustment (EPIA) when a fixed-rate loan is paid out during its fixed period. The credit contract prevails over conflicting schedule information. Other legacy products have separate fee schedules.

Request a payout statement showing the loan principal and interest to the nominated date. Identify bank fees, any EPIA and registration or settlement charges so each amount is counted once. Match every account on the authority to the payout record.

If the date changes, tell Suncorp and the settlement representative using the request reference. Obtain a revised payout and confirm whether the changed transaction needs amended instructions or a replacement authority. An account balance or payout for an earlier date doesn’t establish the amount payable on the new date.

Resolve Exceptions and Close the Request

Use Suncorp Bank on 13 11 75 for authority errors or an unresolved discharge request. As at October 2026, its closure instructions direct sale and refinance customers to their solicitor or incoming bank first when settlement booking is delayed. Establish whether the booking request reached Suncorp before treating the delay as a payout problem.

Symptom	Check	Next action
Missing signature	Compare the completed authority with the bank’s signer instructions	Ask the bank to arrange the missing signing step or corrected authority
Wrong account or property	Compare the authority with statements and title details	Correct the request through Suncorp before relying on it for settlement
No settlement booking	Ask the solicitor or incoming lender whether they contacted Suncorp	Have that participant arrange the booking and confirm its status
Payout hasn’t arrived	Confirm receipt, completeness and the nominated payout date	Contact Suncorp with the reference, authority and settlement deadline
Mortgage still appears on title	Check lodgement evidence and the current title search	Have the party handling registration trace the release

For a service complaint that remains unresolved, Suncorp Bank’s Customer Relations team can assist on 1800 689 762. Give the team the request reference, submission dates and the specific unresolved action. Keep a complaint reference separate from the discharge reference.

For an own-funds payout, Suncorp’s closure guide describes up to 20 days from receipt of the request for loan closure and arranging title removal. The land registry has its own processing time. Use that published timeframe for this route, without treating it as a guaranteed sale or refinance settlement deadline.

Confirm the Intended Release

Have the settlement representative confirm that settlement completed and retain the payment evidence. Obtain Suncorp’s confirmation that the relevant loan accounts closed, or that retained facilities match the agreed partial-release terms. Record any surplus funds separately.

Ask the solicitor, conveyancer or other participant handling registration to confirm lodgement and the resulting title position. For a direct payout without a settlement representative, follow up the release with Suncorp. Keep an updated title search or registration confirmation showing that Suncorp’s mortgage is removed from the intended property.

Close the broker’s request only when the payment and the security outcome match the client’s authority. The discharge of mortgage guide explains the broader distinction between repaying debt and removing a registered mortgage.