AMP
One form. Allow up to 15 business days.
To discharge an AMP mortgage you complete the Mortgage discharge authority form and send it to the instructions AMP sends with the form. AMP says it takes up to 15 business days. The discharge fee is $490.
How to get the AMP formby phoneAMP doesn't publish a form — call 02 8364 6758. Checked 8 September 2026.
When you took the loan out, AMP registered a mortgage over your property. That registration stays until you tell them to remove it. The discharge authority is how you tell them.
You need one in three situations: you’re selling, you’re moving the loan to another lender, or you’ve paid the loan off and want the mortgage lifted. It’s the same form each time — you just tick a different reason.
AMP doesn't publish the form; you ask for it on 02 8364 6758 or at info@ampbanking.com.au. AMP is unusually open about the cost: a $490 discharge fee, which it says doesn't apply to AMP First loans.
Most pages treat these as one process. They aren’t, and the difference decides who does the chasing.
If you’re selling
If you’re refinancing
AMP publishes a discharge fee of $490, which puts them in a small minority — most lenders don’t state a figure. It is added to your final payout rather than billed separately.
Two other costs catch people out. The state land titles office charges a registration fee, which your conveyancer passes on. And if you’re still inside a fixed term, break costs are separate from the discharge fee and can run into thousands. Ask for both figures before you commit to a settlement date.
AMP says it takes up to 15 business days from when they get your signed form. Allow all of it, and in practice most people allow three weeks, because the form is only the first step — your new lender and both conveyancers still have to book the settlement.
Yes. AMP publishes a discharge fee of $490, and it's added to your final payout figure rather than billed separately. That makes them one of the few — most lenders don't publish a number at all. Break costs on a fixed rate are separate and can be much larger.
It's the form that tells AMP to release its mortgage over your property. You need one whether you're selling, refinancing to another lender, or paying the loan off entirely. AMP calls theirs the Mortgage discharge authority form.
AMP doesn't publish one. Call 02 8364 6758 and they'll send it to you. AMP doesn't publish the form; you ask for it on 02 8364 6758 or at info@ampbanking.com.au. AMP is unusually open about the cost: a $490 discharge fee, which it says doesn't apply to AMP First loans.
Checked against AMP’s own discharge page on 8 September 2026. Lenders change forms, addresses and timeframes without much warning — if something here doesn’t match what they’ve told you, theirs is right and we’d like to know.
Discharge fees, break costs and registration fees all come off the saving. Is it worth refinancing? does the sum for the balances people ask about, and the rate monitor shows where your rate sits against every lender on the panel.