What the form is called, where to send it, how long it takes and what it costs.
How to get the BOQ formby phoneBOQ doesn't publish a form — call 1300 764 439. Checked 18 August 2026.
To discharge a BOQ mortgage you complete the Discharge Authority form and send it to the instructions BOQ sends with the form. BOQ doesn't publish a processing time, so allow at least 10 business days. There is usually a discharge fee, set in your loan contract rather than published.
Form
Discharge Authority form
Lender asks for
not published
Discharge team
1300 764 439
Last checked
18 August 2026
When you took the loan out, BOQ 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.
BOQ issues the form on request. There are several versions — sale, partial, substitution, debt repaid — so say which applies when you ring.
Most pages treat these as one process. They aren’t, and the difference decides who does the chasing.
If you’re selling
The loan gets paid out of the sale proceeds on settlement day. Your conveyancer runs it. Lodge the form once the contract is unconditional, and hand your conveyancer the date you sent it.
If you’re refinancing
Two lenders have to settle on the same day. Your new lender drives it, but nothing can be booked until BOQ has processed this form. Lodge it as soon as your new loan is formally approved, not after.
BOQ 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.
How long does a BOQ discharge take?
BOQ doesn't publish a processing time. The other big lenders ask for at least 10 business days, so plan on that as a floor and allow three weeks end to end. Call 1300 764 439 if you have a settlement date locked in.
Does BOQ charge a discharge fee?
Usually yes, but BOQ 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.
What is a BOQ discharge authority?
It's the form that tells BOQ to release its mortgage over your property. You need one whether you're selling, refinancing to another lender, or paying the loan off entirely. BOQ calls theirs the Discharge Authority form.
How do I get the BOQ discharge form?
BOQ doesn't publish one. Call 1300 764 439 and they'll send it to you. BOQ issues the form on request. There are several versions — sale, partial, substitution, debt repaid — so say which applies when you ring.
Checked against BOQ’s own discharge page on 18 August 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.
Before you discharge, check the new rate is worth it
Discharge fees, break costs and registration fees all come off the saving. Fifteen minutes is usually enough to know whether the move still makes sense.
See what you could save →