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Start your ING discharge request
Complete ING’s online form, give consent digitally or print and sign it, then email it to mortgage.discharges.au@ing.com. Send it at least 15 business days before settlement.
What the discharge form does
A discharge authority tells ING to release its mortgage over your property. You may need one when selling, refinancing or paying the loan off yourself. Paying the balance down to zero does not automatically remove the mortgage from the property title.
Your settlement can be delayed if ING has not received the completed authority. An agreed date or approved new loan does not replace that step.
How ING handles it now
Set aside 10 to 15 minutes and keep the browser open; you cannot save the form partway through. The campaigns.ing.com.au address is ING’s own website.
Complete the form, provide digital consent or print and sign it, then email it to mortgage.discharges.au@ing.com. It must reach ING at least 15 business days before settlement.
For a partial discharge (releasing one property while keeping another as security) or a security change, ask ING for its Residential Loan Variation Form. The standard form is for a sale, refinance or full payout.
What to have ready
- Your ING loan account number
- The property address, and the title reference if you have it
- The full name of every borrower and every person on the title
- Your new lender, or your solicitor or conveyancer, if a settlement is already moving
- The date you want settlement to happen, if one is set
- Arrange every required signature early, especially if a co-borrower is overseas or you have separated.
- ING accepts digital consent or a printed form signed with a pen.
- List the representatives the bank needs to contact. If different legal firms handle your sale and purchase, check whether both need to be recorded.
If you are releasing a guarantor
If a parent guaranteed your loan, the property you want released may be theirs rather than yours. The request goes through the lender’s discharge or security-release process.
Ask the lender which discharge or security variation request covers the guarantee. Releasing a guarantor needs the bank’s approval; submitting the form does not make the release automatic.
ING directs partial discharges and security changes to its Residential Loan Variation Form. Contact ING before using the standard discharge request for those changes.
The bank will assess the remaining security and loan. A loan-to-value ratio of 80% means owing $80 for every $100 of property value. It can be a useful starting point, but it does not guarantee release. Our guide to removing a guarantor explains what to check.
The lender’s valuation of the property you keep as security matters. Different lenders can arrive at different values, so one valuation does not settle every option. A broker can help check the remaining loan and security before you apply to release the guarantee.
How long to allow
ING asks you to send the signed form at least 15 business days before settlement.
Missing signatures, account numbers or contact details can delay the request. Ask the lender to confirm it has everything it needs.
Allow extra time if another party holds the title, a valuation is needed or only part of the security is being released. Tell your conveyancer or incoming lender about the settlement deadline and check the lender can meet it.
What it costs
Expect a discharge or settlement administration fee from ING, plus a state government fee to register the discharge on the title. If any part of your loan is on a fixed rate, break costs can apply as well, and those are calculated by the lender rather than set by a schedule.
Ask for all of it in writing before you lock a settlement date. Break costs in particular move with the market, so an earlier quote may differ from the final amount.
Line up the discharge with the new loan
A discharge usually runs alongside a sale or a new loan, and the timing needs to match. If the new loan is ready but the outgoing lender is not ready to release its mortgage, settlement can be held up. If the new loan is not ready, sending the discharge request does not solve that gap.
This is where we can help with a refinance or your next purchase: work through the new loan and its timing, while your lender and settlement representatives confirm the discharge arrangements. Keep making required repayments until the old lender confirms the loan is closed. How refinancing works, step by step shows where the discharge fits.
How we can help with your next loan
You authorise the discharge and follow your lender’s return instructions. We do not offer a standalone discharge lodgement service.
If you are refinancing or buying again, we can help with the new loan and its timing. There is generally no fee for our service on a standard residential home loan. We are usually paid by the lender if the 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 before you lodge it
Compare ING’s loan features and lending requirements before deciding whether to stay or switch.
When switching actually pays for itself once the fees, break costs and time are counted.
What the lender checks before releasing a guarantee, and how to prepare.
Looking for a different lender? The full list covers the rest.
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 ING Bank (Australia) Limited before you act. Hunter Galloway, Credit Representative 476903 of Australian Credit Licence 389328.