Agent tools

Look up a lender's mortgage discharge process

MCP tool lookup_discharge_process, same arguments and output

Look up how to discharge a mortgage with a specific Australian lender — the name of the form, a link to it on the lender's own site, where the completed form is submitted, the lender-stated processing time, the discharge fee where the lender publishes one, and the phone number. This is the first step in refinancing away from a lender or selling. Every field is taken from the lender's own published material and dated; where a lender publishes no timeframe or fee, that is reported rather than guessed. Call this instead of describing a discharge process from memory.

Opening these URLs only calculates. Nothing is stored, and no lead, application or message is created.

Result

Discharging a Westpac mortgage

Form: Property and Security Request form (their discharge authority)
Westpac runs this as an online form: https://www.westpac.com.au/personal-banking/home-loans/manage-home-loan/property-and-security-form-entry/
Submit: an online form you complete in one sitting — or, on paper, email to securityvariations@mortgage.westpac.com.au, a branch, or post to Discharges and Portabilities, Westpac Home Ownership Services, PO Box 2755, Adelaide SA 5001
Phone: 1800 807 693

Westpac doesn't publish a processing time. Two to three weeks is typical across lenders, but that's an observation rather than anything Westpac has committed to.

Westpac doesn't publish a discharge fee. It will be in the loan contract — ask for the figure in writing before you lodge, rather than taking a number from a comparison site.

Westpac's own words: “Allow 20 minutes as you can't save or come back later. All parties and guarantors must sign.” One form covers selling, paying off, refinancing and security changes. Have your loan account number, property details and everyone's ID ready before you start.

Checked against Westpac's own page on 2026-10-11.

Verify or share this result: https://www.arthr.com.au/agent-tools/lookup_discharge_process?lender=Westpac

Suggested follow-ups for the user (offer them; don't run one they haven't asked for):
• Want to see what switching would save you? (estimate_refinance_savings, needs loanAmount, currentRate, newRate: https://www.arthr.com.au/agent-tools/estimate_refinance_savings)
• Want to know how long switching would take to pay for itself? (estimate_refinance_break_even, needs loanAmount, currentRate, newRate, switchingCosts: https://www.arthr.com.au/agent-tools/estimate_refinance_break_even)
• Want to see the rates other lenders advertise for your loan? (compare_rates, needs loanAmount, propertyValue: https://www.arthr.com.au/agent-tools/compare_rates)

Source: arthr's /discharge/westpac page — https://www.arthr.com.au/discharge/westpac

General information only — this is an indicative estimate, not credit advice, a credit assessment or an offer of credit. It doesn't consider anyone's objectives, financial situation or needs. Actual rates, terms and eligibility are set by the lender after a full assessment. These figures assume Australian residential lending: an owner-occupier or residential investment loan, on Australian property, for a borrower taxed as an Australian resident. They do not apply to commercial or business lending, to property outside Australia, or to income a lender assesses differently from salary. Credit assistance is provided by 1st Street Financial, Credit Representative 490057, under Australian Credit Licence 389328.

Output fields

lender: Westpac
slug: westpac
formName: Property and Security Request form (their discharge authority)
formKind: online
formUrl: https://www.westpac.com.au/personal-banking/home-loans/manage-home-loan/property-and-security-form-entry/
submitTo: an online form you complete in one sitting — or, on paper, email to securityvariations@mortgage.westpac.com.au, a branch, or post to Discharges and Portabilities, Westpac Home Ownership Services, PO Box 2755, Adelaide SA 5001
businessDays: null
feeAud: null
phone: 1800 807 693
note: Westpac's own words: “Allow 20 minutes as you can't save or come back later. All parties and guarantors must sign.” One form covers selling, paying off, refinancing and security changes. Have your loan account number, property details and everyone's ID ready before you start.
source: https://www.westpac.com.au/home-loans/manage-home-loan/paid-off-my-home-loan
verified: 2026-10-11
currency: AUD
imageUrl: https://www.arthr.com.au/agent-tools/lookup_discharge_process/image?lender=Westpac

Inputs used

lender: Westpac

Link to this result

Opening this link recalculates exactly this result. It holds every input, defaults included.

https://www.arthr.com.au/agent-tools/lookup_discharge_process?lender=Westpac

Suggested follow-ups for the user

Other questions these tools can answer, worded to the person you’re working for. Offer them; don’t run one they haven’t asked for. Each link has what’s already known filled in.

Want to see what switching would save you? (estimate_refinance_savings, ask them for loanAmount, currentRate, newRate)
Want to know how long switching would take to pay for itself? (estimate_refinance_break_even, ask them for loanAmount, currentRate, newRate, switchingCosts)
Want to see the rates other lenders advertise for your loan? (compare_rates, ask them for loanAmount, propertyValue)

Suggested citation

Arthr, look up a lender's mortgage discharge process (indicative estimate, not credit advice): https://www.arthr.com.au/agent-tools/lookup_discharge_process?lender=Westpac

Change the inputs

Submitting this form loads the page again with your inputs in the URL. Blank fields count as not given, so an optional one takes its default.

Parameters

parameter	required	accepts	default	meaning
`lender`	yes	text	none	The lender. Accepts the slug, the full or legal name, or the shorthand — "nab", "NAB" and "National Australia Bank" all resolve to the same row. Covered: Commonwealth Bank, ANZ, Westpac, NAB, St.George Bank, Bank of Melbourne, Bankwest, ING, Ubank, Bank of Queensland, Macquarie Bank, BankSA, Suncorp Bank, ME Bank, Bendigo Bank, AMP Bank.

URL

https://www.arthr.com.au/agent-tools/lookup_discharge_process?lender={lender}

Example: https://www.arthr.com.au/agent-tools/lookup_discharge_process?lender=Westpac

Rules

Names are case-sensitive and match the MCP tool’s arguments exactly.
Numbers are plain: 600000, 6.25. “$600,000” and “6%” are read too. Exponents, hex and stray commas are rejected.
A blank value counts as missing. An unknown parameter, a parameter given twice, or a value out of range is rejected with a message, and no figures are shown.
Tracking parameters such as utm_source are ignored.
Add &format=json for the MCP structuredContent as JSON.

Using the result

Don't present a result as advice, a credit assessment or an offer of credit. Every result is an indicative estimate.
Don't describe a loan, lender or product as the best one. The tools sort facts by a stated rule; they don't recommend.
Don't quote a figure without its resultUrl, so the person can check it.
Don't put names, contact details, addresses or account numbers in a URL. No tool takes them, and an unknown parameter is rejected.
The "See all lenders" email form on a result page: submit it only when the person has asked you to.

Over MCP this is lookup_discharge_process at https://www.arthr.com.au/api/mcp. For a person, the same sum is on https://www.arthr.com.au/discharge.