Bendigo Bank
One form. Allow at least 15 business days.
To discharge a Bendigo Bank mortgage you complete the Mortgage Discharge form and send it to Bendigo digitally, per the form's instructions, or at your nearest branch. Bendigo Bank asks for at least 15 business days before settlement. There is usually a discharge fee, set in your loan contract rather than published.
Get the Bendigo Bank discharge formPDFOpens Bendigo Bank's own site. Checked 8 September 2026.
When you took the loan out, Bendigo Bank 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.
Bendigo says the request itself is processed in 2 to 7 business days but asks for up to 15 business days' notice before any discharge settlement. Adelaide Bank is the same group and its website now redirects here.
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
Bendigo Bank doesn’t publish a standard discharge fee, and nor do most other lenders. It’s set in your loan contract, so check your letter of offer or the fees and charges booklet from settlement. It comes out of the payout figure rather than arriving as a separate bill.
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.
Bendigo Bank asks for at least 15 business days from when they get your signed form to settlement day. 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.
Usually yes, but Bendigo Bank doesn't publish a standard amount. It's set in your loan contract, so check your letter of offer or the fees and charges booklet you were given at settlement. Expect it to be deducted from the payout figure rather than billed separately. If you took the loan out with a fixed rate that hasn't ended, break costs are separate and can be much larger.
It's the form that tells Bendigo Bank to release its mortgage over your property. You need one whether you're selling, refinancing to another lender, or paying the loan off entirely. Bendigo Bank calls theirs the Mortgage Discharge form.
Bendigo says the request itself is processed in 2 to 7 business days but asks for up to 15 business days' notice before any discharge settlement. Adelaide Bank is the same group and its website now redirects here. Once it's filled in and signed, send it to Bendigo digitally, per the form's instructions, or at your nearest branch.
Checked against Bendigo Bank’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.