Unloan Mortgage Discharge Form: Authority and Steps

Request the Unloan discharge form through Unloan’s support team, then return each borrower’s authority using the instructions they send. For a refinance away from Unloan, the request must lead to a settlement payout and removal of the existing mortgage from the title. Keep the request receipt until you have evidence of both loan closure and title release.

Where Unloan Discharge Requests Start

Start with Unloan’s support team after checking that your client’s latest loan statement carries the Unloan brand. As at October 2026, Unloan’s contact page provides live chat, email at hello@unloan.com.au and a callback request on 1300 630 000. A borrower who can log in can also contact the team through live chat from their account.

1. Check the loan brand and account number on the statement. If it shows CommBank, use the CommBank discharge guide. For another brand, find its guide in the mortgage discharge directory.
2. Have the borrower contact Unloan and say they are refinancing away. Request the current discharge authority and the return instructions for that loan.
3. Give the proposed settlement date and incoming lender’s details. Ask the team to identify any further information or borrower authority needed before the request is ready for settlement.
4. Retain the response and follow the supplied return channel. Obtain acknowledgement that Unloan has received the completed request, with a reference for follow-up.

Unloan’s home loan terms, updated 22 May 2026, identify Commonwealth Bank of Australia as the issuer and Unloan as its division. That relationship doesn’t turn an Unloan-branded account into a CommBank-branded discharge request. Route the request through the team that handles the client’s loan brand.

Unloan’s learning article has a separate procedure for refinancing to Unloan. Its incoming settlement details and document-upload steps belong to that direction of travel. Your client’s new lender supplies the incoming details when the client leaves Unloan.

Authorise the Request With Every Borrower

Arrange each borrower’s authority through the channel Unloan supplies for the discharge request. Prepare the information below before contacting the team, then complete the current request they provide.

• Full names of all borrowers, their current contact details and any guarantor details relevant to the security.
• The loan account number and a recent statement.
• The property address and title details available in the conveyancing file.
• The reason for discharge and whether the request releases all security or only a particular property.
• The incoming lender’s name, settlement contact and proposed settlement date.
• The conveyancer or solicitor’s details where one is acting, plus a sale contract if the discharge follows a sale.
• Instructions for any surplus funds, where the request calls for them.

This is a preparation list. Complete the fields on Unloan’s issued request and use its instructions for signatures or digital authority. Before treating the request as complete, obtain confirmation that every required borrower’s authority has been accepted.

For joint borrowers with separate access, each person must give their own authority through the process the support team arranges. Tell the team at the outset if one borrower cannot log in. Have that borrower contact Unloan directly so the team can identify them and provide their authority instructions without sharing the other borrower’s login.

Unloan’s 16 August 2026 account-permissions guide describes approval settings for AutoPay and withdrawals. Those payment settings do not establish authority to discharge a mortgage. Keep any instruction to a broker separate from the authority Unloan requires from the borrowers themselves.

If a borrower has not completed their authority, follow up that missing step against the request reference. A completed instruction from one borrower is not evidence that the team has accepted everyone else’s authority.

Discharge Fees and Payout Timing

Unloan publishes $0 discharge account closure fees and $0 discharge settlement fees on its fees page, as at October 2026. Government land registry charges still apply where required. Include those charges in the refinance funding calculation, separately from the lender’s own fees.

The Unloan home loan terms dated 22 May 2026 require payment of applicable government fees to register the discharge. They also allow other fees set out in the client’s loan schedule. Read the schedule alongside the payout statement so a general fees page doesn’t replace the account’s settlement figures.

1. Obtain a payout figure calculated for the intended settlement date. Pass it to the incoming lender or conveyancer and retain its date with the file.
2. Reconcile the payout with the available refinance funds. Include registry and settlement costs, and arrange funding for any shortfall before settlement proceeds.
3. If settlement moves, request an updated payout for the new date. Tell the settlement participants about repayments or other account activity that changes the balance.

Under clauses A.5.2 and A.5.4 of the Unloan terms, interest accrues daily on the unpaid balance. When the loan is paid out or closed, interest calculated to the end of the preceding day is debited and payable. A statement balance alone therefore isn’t the dated payout needed to settle.

Keep scheduled repayments funded until Unloan gives instructions about closing the account and stopping AutoPay. Submitting the discharge request doesn’t itself pay out the loan.

Confirm the Title Release

Confirm settlement with the incoming lender or conveyancer, then obtain evidence that the old loan is closed and the mortgage has been removed from the title. Unloan’s 22 May 2026 terms permit discharge after full repayment provided the security doesn’t secure other obligations. Identify any remaining secured loan before expecting a property release.

Keep the settlement confirmation and final loan statement or closure confirmation. Ask the conveyancer or incoming lender for the registered discharge confirmation or an updated title search. The expected result is that the outgoing mortgage is removed and, on a refinance, the incoming lender’s mortgage is registered.

If the loan shows a remaining balance, reconcile the final payout with Unloan using the settlement date and payment reference. If the mortgage still appears on the title, ask the conveyancer whether the discharge is awaiting registration or needs correction. Follow that issue through to registration before marking the title release complete.

Use the shared mortgage discharge process for the wider settlement sequence. Close this client’s discharge task when the file holds the settlement evidence, loan closure confirmation and proof of registered title release.