Find your lender
Read our lender guides for the steps to follow, or use the form and contact links below.
130 of 130 options
Scroll sideways to see all columns.
| Lender | How to start | Form or guide |
|---|---|---|
| Major banks | ||
| ANZ | Request online, then sign and return | |
| Bank of Melbourne | Start online | |
| BankSA | Choose your discharge reason | |
| Bankwest | Request through app or online banking | |
| CommBank | Choose your discharge reason | |
| Homeside Lending | Confirm the form suits your loan | |
| NAB | Complete, sign and email | |
| RAMS | Call for instructions | |
| St George | Choose your discharge reason | |
| UBank | Contact Ubank for your form | |
| Westpac | Choose your discharge reason | |
| Other banks | ||
| Adelaide Bank | Contact the lender for instructions | Contact the loan servicer shown on your latest statement. |
| AMP | Contact AMP for a full discharge | |
| Arab Bank | MSA-listed copy: confirm with your lender | |
| Auswide Bank | Contact the lender for instructions | |
| Bank of Queensland | Contact the lender for instructions MSA says to contact your local branch. | Contact the loan servicer shown on your latest statement. |
| Bendigo Bank | Contact the lender for instructions | Contact the loan servicer shown on your latest statement. |
| Citibank | MSA-listed copy: confirm with your lender | |
| HSBC | Request the form from HSBC | |
| ING | Complete, consent and email | |
| Macquarie Bank | Print, sign and email Identify whether you need a full or partial discharge. | |
| ME Bank | Contact the lender for instructions | |
| Rabobank | MSA-listed copy: confirm with your lender | |
| Suncorp | Call 13 11 75 | |
| Virgin Money | Request the current form from Virgin Money | |
| Credit unions | ||
| Austral Credit Union | MSA-listed copy: confirm with your lender | |
| Australian Military Bank / Australian Defence Credit Union | Confirm the current form with the bank | |
| Australian Mutual Bank Limited (Formerly known as Select Credit Union) | MSA-listed copy: confirm with your lender | |
| Australian Unity Bank (Formerly known as Big Sky) | MSA-listed copy: confirm with your lender | |
| Bank Australia | Contact the lender for instructions | |
| BDCU Alliance Bank | MSA-listed copy: confirm with your lender | |
| Berrima District Credit Union Alliance | MSA-listed copy: confirm with your lender | |
| Beyond Bank | Start with the lender | |
| Coastline Credit Union | Contact the lender for instructions | Contact the loan servicer shown on your latest statement. |
| Community First Credit Union | Contact the lender for instructions | |
| Credit Union Home Loans | MSA-listed copy: confirm with your lender | |
| Defence Bank Limited | Contact the lender for instructions | |
| First Australian Building Society | MSA-listed copy: confirm with your lender | |
| G&C Mutual Bank / Quay Mutual Bank | MSA-listed copy: confirm with your lender | |
| Gateway Credit Union | MSA copy: confirm the form with Gateway | |
| Heritage Bank | Contact the lender for instructions | Contact the loan servicer shown on your latest statement. |
| Hunter United - A division of IMB | MSA-listed copy: confirm with your lender | |
| Illawarra Credit Union (Formerly known as Catalyst) | MSA-listed copy: confirm with your lender | |
| Newcastle Permanent Building Society | Contact the lender for instructions | |
| NSW Teachers Credit Union | Request the current Teachers Mutual form | |
| People's Choice Credit Union | Contact the lender for instructions | |
| Qudos Bank | Qudos Bank, formerly Qantas Credit Union | |
| Queensland Country Bank | Contact the lender for instructions | Contact the loan servicer shown on your latest statement. |
| Queenslanders Credit Union | MSA-listed copy: confirm with your lender | |
| Regional Australia Bank (formerly Community Mutual) | Contact the lender for instructions | |
| Regional Australia Bank (formerly Holiday Coast Credit Union) | MSA-listed copy: confirm with your lender | |
| Reliance Bank | Contact the lender for instructions | Contact the loan servicer shown on your latest statement. |
| Southern Cross Credit Union | Contact the lender for instructions | Contact the loan servicer shown on your latest statement. |
| Unity Bank | Contact the lender for instructions | |
| Non-bank lenders | ||
| 101 Mortgage Finance Solutions | Contact the lender for instructions | |
| AFM | Contact the lender for instructions | |
| AIMS | Complete and sign the discharge authority | |
| Ample Capital Australia | MSA-listed copy: confirm with your lender | |
| AMS - Mortgage Services Pty Ltd | Ask Pepper for the current discharge instructions for your AMS loan. | Contact the loan servicer shown on your latest statement. |
| Anchorage Home Loans | Ask Pepper for the current discharge instructions for your Anchorage loan. | Contact the loan servicer shown on your latest statement. |
| API Home Loans | MSA-listed copy: confirm with your lender | |
| Australian Financial (AF) | MSA-listed copy: confirm with your lender | |
| Australian Lending Services | MSA-listed copy: confirm with your lender | |
| Australian Wholesale Lending Mortgages | MSA-listed copy: confirm with your lender | |
| Better Choice Home Loans | Contact the lender for instructions | |
| Better Mortgage Management | Contact the lender for instructions | |
| Bluegum Home Loans | MSA-listed copy: confirm with your lender | |
| Bluestone | Full or partial discharge and security substitution | |
| BMC Mortgage Group | New Advantedge discharge requests have closed. Ask NAB about a new request from 19 October 2026. | |
| Collins Home Loans (Formerly known as Collins Securities) | MSA-listed copy: confirm with your lender | |
| Destiny Mortgage Solutions | Contact the lender for instructions | |
| Direct Mortgage Solutions | MSA-listed copy: confirm with your lender | |
| Director of Housing Victoria | MSA-listed copy: confirm with your lender | |
| FastLend | New Advantedge discharge requests have closed. Ask NAB about a new request from 19 October 2026. | |
| Folio Mortgage and Finance | Call to request the discharge form and confirm where to return it. | |
| Fox Symes Home Loans | Contact the lender for instructions | |
| GE Money | MSA-listed copy: confirm with your lender | |
| GE Personal Finance Pty Ltd | MSA-listed copy: confirm with your lender | |
| Great Southern Loans | MSA-listed copy: confirm with your lender | |
| Home Loan Centre Australia | MSA-listed copy: confirm with your lender | |
| Home Loans Ltd | Contact the lender for instructions | Contact the loan servicer shown on your latest statement. |
| Home Path | MSA-listed copy: confirm with your lender | |
| Homestart Finance | MSA-listed copy: confirm with your lender | |
| Interstar | MSA-listed copy: confirm with your lender | |
| La Trobe Financial | Full or partial discharge request | |
| Liberty Financial | Contact the lender for instructions | |
| Loanave | Contact the lender for instructions | |
| Loanworks (Formerly known as Sintex) | MSA-listed copy: confirm with your lender | |
| MKM Capital | MSA-listed copy: confirm with your lender | |
| Mortgage Ezy | Contact the lender for instructions | |
| Mortgage House | MSA-listed copy: confirm with your lender | |
| Mortgage Port | Contact the lender for instructions | |
| Mortgage Wisdom (Formerly known as Mortgage Plus Service Centre) | Contact the lender for instructions | |
| Napier | MSA-listed copy: confirm with your lender | |
| National Mortgage Market Corporation (NMMC) | Contact the lender for instructions | Contact the loan servicer shown on your latest statement. |
| NCF Financial Services | MSA-listed copy: confirm with your lender | |
| Origin Mortgage Management Services | Contact the lender for instructions | |
| Origin Mortgage Management Services (Formerly known as Columbus Capital) | Contact the lender for instructions | Contact the loan servicer shown on your latest statement. |
| Pepper | Full discharge authority | |
| Perpetual Trustees Australia | Contact the lender for instructions | |
| Pioneer Mortgage Services | MSA-listed copy: confirm with your lender | |
| Power Loan (Formerly known as Power Home Loans) | New Advantedge discharge requests have closed. Ask NAB about a new request from 19 October 2026. | |
| Rescom | Ask your current loan servicer for the discharge authority. | Contact the loan servicer shown on your latest statement. |
| Resi - Puma/ING | MSA-listed copy: confirm with your lender | |
| Resi Mortgage Corporation | MSA-listed copy: confirm with your lender | |
| Resimac | Contact Customer Care for a full discharge or refinance | |
| RHG Mortgage Corporation Limited | MSA-listed copy: confirm with your lender | |
| Sandhurst Trustees | MSA-listed copy: confirm with your lender | |
| Statewide Home Loans | MSA-listed copy: confirm with your lender | |
| Sydney Home Loans | MSA-listed copy: confirm with your lender | |
| Westeast Home Loans | MSA-listed copy: confirm with your lender | |
| Yes Home Loans | MSA-listed copy: confirm with your lender | |
| White label loans | ||
| Advantedge | New Advantedge discharge requests have closed. Ask NAB about a new request from 19 October 2026. | |
| AFG Home Loans Edge (Advantedge) | New Advantedge discharge requests have closed. Ask NAB about a new request from 19 October 2026. | |
| Astute Simplicity Home Loan (Advantedge) | New Advantedge discharge requests have closed. Ask NAB about a new request from 19 October 2026. | |
| Aussie Home Loans | Contact the lender for instructions | Contact the loan servicer shown on your latest statement. |
| ChoiceLend | New Advantedge discharge requests have closed. Ask NAB about a new request from 19 October 2026. | |
| Choicelend (Advantedge) | New Advantedge discharge requests have closed. Ask NAB about a new request from 19 October 2026. | |
| Connective Elevate | MSA-listed copy: confirm with your lender | |
| Connective Home Loans Essentials (Advantedge) | New Advantedge discharge requests have closed. Ask NAB about a new request from 19 October 2026. | |
| Go Edge (Advantedge) | New Advantedge discharge requests have closed. Ask NAB about a new request from 19 October 2026. | |
| LJ Hooker Home Loans Connect (Advantedge) | New Advantedge discharge requests have closed. Ask NAB about a new request from 19 October 2026. | |
| Mortgage Choice Home Loans Amplify | MSA-listed copy: confirm with your lender | |
| Mortgage Choice Home Loans SmartSelect (Advantedge) | New Advantedge discharge requests have closed. Ask NAB about a new request from 19 October 2026. | |
| Perpetual Trustees Victoria Limited (Advantedge) | New Advantedge discharge requests have closed. Ask NAB about a new request from 19 October 2026. | |
| PlanLend (Advantedge) | New Advantedge discharge requests have closed. Ask NAB about a new request from 19 October 2026. | |
| Resi (Advantedge) | New Advantedge discharge requests have closed. Ask NAB about a new request from 19 October 2026. | |
| Wizard Home Loans | Contact Pepper for the discharge instructions for your Wizard loan. | Contact the loan servicer shown on your latest statement. |
| Yellow Brick Road | Contact the lender for instructions | |
| YellowBrickRoad Home Loans (Advantedge) | New Advantedge discharge requests have closed. Ask NAB about a new request from 19 October 2026. | |
Use the lender’s own instructions where available. Some downloads are hosted by MSA National, a settlement services provider; check with your lender that the form suits your loan before signing.
Lender discharge guides
Choose your bank for the right starting point, signing and return instructions, and what to check before settlement.
Selling: start online. Refinancing: call first. Other changes: sign and return the authority. Confirm the time needed with CBA.
Complete online, sign and email it back. NAB asks for at least 10 business days to process the form.
Choose sale, refinance or loan payout. The route depends on your reason; signing and returning the request is still required.
Refinancing starts with a call or callback. Sales and paid-off loans have an online form to complete, sign and return.
Message Bankwest for the authority, then sign and return it. Check the fee breakdown and any money left after settlement.
Download, sign with a pen and email the form. Typically up to 21 days; partial discharges can take up to 28 days.
Complete online, give consent and email it back. Send it at least 15 business days before settlement.
Call 13 11 75 or visit a branch. Suncorp prepares the form and explains how to sign and return it.
Request the form online; ANZ emails it to you. Print, sign and return it. ANZ aims for 10 business days once it has the complete request.
Three ways to get the discharge started
A discharge authority tells your lender to release its mortgage over your property. You may need one when selling, refinancing or paying off the loan. A zero loan balance alone does not necessarily remove the mortgage from the title.
Start by finding which route your lender uses. An online starting point does not always mean the whole discharge is paperless.
Start online
Some lenders start on their website. CommBank’s route depends on why you are discharging. NAB lets you complete the authority online, then sign and return it. Read the return instructions before assuming the request has been lodged.
Download a form
Complete the discharge authority and follow the signing and return instructions. Macquarie requires pen-on-paper signatures. Bankwest also has a broker form, while customers can start in the app or online banking. Arrange signatures early if a borrower is interstate or overseas.
Ask the lender to send it
Some lenders prepare the authority after you contact them. Suncorp starts by phone or at a branch. Other entries, including HSBC and Ubank, direct you to the lender for the current process. If the directory says to contact the lender, start there instead of searching for an old PDF.
Check the form before you sign
A stale form can look like progress until the lender sends it back. Use the lender’s own instructions where available, and check the version before collecting signatures.
The directory also links to forms hosted by MSA National, a settlement services provider. Some files carry older dates. An available download does not confirm that it suits your loan or is still accepted, so ask the lender if you are unsure.
What actually goes wrong
Five common causes of delays
- Someone on the loan cannot sign. A co-borrower overseas, a separation or an estate can make signing harder. Work out who must authorise the request and how they can do it well before settlement.
- The signature is done the wrong way. Check whether your lender accepts a digital signature or needs pen on paper. Arrange the right signatures before sending the form.
- The request goes in incomplete. Missing information can hold up processing. Ask the lender to confirm it has everything, rather than assuming the clock started when you sent the form.
- A subsidiary is treated as the parent. A ubank loan is not a NAB discharge. A Bankwest loan is not a CommBank Digital Discharge. Same group, different process.
- A representative is missing. Include the people the lender needs to contact. If different solicitors handle your sale and purchase, check that both are recorded where required.
How long it takes and what it costs
Allow around 3 to 4 weeks as a planning buffer, then ask your lender what it needs for your settlement date. NAB asks for at least 10 business days; ING asks for the form at least 15 business days before settlement. Complex releases can take longer.
Budget for the lender’s discharge or settlement fee and the government registration fee. Fixed-rate break costs may also apply. Ask for a current written quote before committing to a date.
If you are only releasing one property
A partial discharge releases one property while another stays as security. The lender decides how much must be repaid from the sale; you may not be able to keep all the proceeds left after paying one loan account.
How the remaining property value changes the payout
Here is a hypothetical example. Two properties are worth $500,000 each and secure an $800,000 loan. If the lender accepts an 80% loan-to-value ratio on the remaining $500,000 property, the remaining loan would be $400,000. That means $400,000 needs to be repaid, before fees.
If the lender instead values that remaining property at $600,000 and accepts the same 80% ratio, the remaining loan could be $480,000. The repayment needed would then be $320,000, before fees. The lender still needs to approve the release and remaining loan.
What happens at settlement
For a sale or refinance, your conveyancer, solicitor or incoming lender coordinates the payout and title changes with the outgoing lender. They may use an electronic settlement platform such as PEXA. You still need to authorise the discharge; completing the form alone does not book settlement.
Confirm where any surplus funds will go. Keep making required repayments until your lender confirms the loan is closed, then check any linked offset accounts and direct debits.
How we can help with your next loan
You need to authorise the discharge. Follow your current lender’s signing and return instructions. This page helps you prepare; we do not offer a standalone discharge lodgement service.
Where we can help is the loan on the other side of it. If you are refinancing, that is the new loan. If you are selling and buying again, that is the next purchase. There is generally no fee for our service on a standard residential home loan; we are usually paid by the lender if a loan settles, and we disclose that in writing.
Tell us your current lender, why you are moving and any settlement date. Call 1300 088 065 or book a free assessment so we can help line up the new loan.
Planning a refinance or another purchase?
Worth reading alongside this
When switching actually pays for itself once the fees, break costs and time are counted.
Where the discharge sits in the wider timeline, and what happens either side of it.
What the bank checks before releasing a guarantee, and which request you may need.
The one figure that can turn a sensible refinance into a bad one, and how it is calculated.
General information only. It does not consider your circumstances and is not credit, legal or tax advice. Lender processes, fees and timeframes change without notice, so confirm the current requirements directly with your lender before you act. Hunter Galloway, Credit Representative 476903 of Australian Credit Licence 389328.