ING
ING discharge formand how to use it
One form. Allow at least 15 business days.
To discharge an ING mortgage you complete the Mortgage Discharge Request and send it to the online form, or print, sign in ink and email to mortgage.discharges.au@ing.com. ING asks for at least 15 business days before settlement. There is usually a discharge fee, set in your loan contract rather than published.
Start ING's discharge formStart the formonlineOpens ING's own site. Checked 8 September 2026.
- Form
- Mortgage Discharge Request
- Lender asks for
- at least 15 business days
- Discharge team
- 133 464
- Last checked
- 8 September 2026
What a discharge authority actually does
When you took the loan out, ING 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.
How to do it
- Get the Mortgage Discharge Request — their own online form. Always use the lender’s copy. Broker and form-filling sites host old versions, and an out-of-date form gets rejected, which costs you the whole processing window.
- Fill in your loan account number, the property address, and the reason you’re discharging.
- Have every borrower and guarantor sign it. Most lenders still want a real signature rather than a typed one.
- Send it to the online form, or print, sign in ink and email to mortgage.discharges.au@ing.com.
- Tell your conveyancer it’s lodged, and give them the date you sent it. They’ll chase the payout figure and book settlement.
Pick the settlement date from your contract or your conveyancer.
ING asks for 15 business days. Weekends are skipped; public holidays in your state are not, so take a day off the date for each one.
ING moved the discharge request to an online form that can't be saved partway. Their own instruction: lodge it “at least 15 business days prior to any planned settlement date”. Consent can be given digitally or with a pen.
Selling or refinancing — they aren’t the same
Most pages treat these as one process. They aren’t, and the difference decides who does the chasing.
If you’re selling
- The loan is paid out of the sale proceeds on settlement day
- Your conveyancer runs it
- Lodge the form once the contract is unconditional
- 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
- Nothing can be booked until ING has processed this form
- Lodge it as soon as your new loan is formally approved, not after
What it costs
ING 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.
Breaking a fixed rate first
If any part of the loan is still fixed, this is step zero. ING calls it “break costs”, and it can be larger than every other cost on this page put together.
The figure is not published anywhere, because it depends on the day: it is roughly what ING loses by re-lending your fixed money at today’s wholesale rate for the rest of your fixed term. If rates have gone up since you fixed, it can be zero. If they have come down, it can be thousands. To get the number: call 133 464 for an estimate. It applies if you repay $10,000 or more in any year of the fixed term.
In ING’s words: “You should refer to the Home Loan terms and conditions for details and contact us on 133 464 for an estimate of the break costs that may be payable by you in the above circumstances.” Get the quote in writing before you sign anything with the new lender, and get it again the week of settlement, because it moves with the market.
Getting the payout figure
The number your conveyancer or new lender needs to book settlement: the balance, plus interest to the day, plus the fees.
Call 133 464 or message ING in the app for an indicative payout figure. The formal one comes through the online discharge request, which ING wants at least 15 business days before settlement. ING doesn't publish a turnaround. No fee for the letter is published. In ING’s words: “If you are thinking of selling or refinancing and would like an idea of what your payout figure will be on your home loan, then simply contact us so we can provide you with an indicative payout figure.”
A payout figure is only good for the date on it. Interest accrues daily, so a figure for the 12th is wrong on the 15th, and if settlement slips your conveyancer will ask for a fresh one. Ask for it once the settlement date is booked, not before.
Cancelling the direct debit
The loose end. After settlement the old loan is closed, but a repayment set up from another bank can still try to run.
In the ING app, open the loan account, tap Scheduled, then Manage, then Edit direct debit. Changing the linked bank account is an online request under home loan variations. In ING’s words: “Login to your ING App and select the Loan Account. Tap the SCHEDULED tab. Tap MANAGE, then EDIT DIRECT DEBIT to select the direct debit you want to change.”
If the repayment comes from an ING account, the debit stops when the loan closes. If it comes from another bank, cancel it at that bank on the day after settlement, not before, or the final repayment bounces and the payout figure is short.
Common questions
How long does an ING discharge take?
ING 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.
Does ING charge a discharge fee?
Usually yes, but ING 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 an ING discharge authority?
It's the form that tells ING to release its mortgage over your property. You need one whether you're selling, refinancing to another lender, or paying the loan off entirely. ING calls theirs the Mortgage Discharge Request.
Should I discharge my ING mortgage after paying it off?
Yes, and it doesn't happen on its own. Paying the balance to zero closes the loan account; it does not remove ING's mortgage from your title. Until you lodge the Mortgage Discharge Request and the discharge is registered with the land titles office, the property still shows ING as mortgagee, which you will discover the day you try to sell, refinance or borrow against it. Do it while the paperwork is fresh.
What happens if I don't discharge my ING mortgage?
Nothing, until you need the title clean. The mortgage stays registered against the property with a zero balance behind it. A sale or a new loan then has to wait for ING to process the discharge, which takes at least 15 business days, and settlement can't be booked until it's done. Some lenders also keep charging a package or account fee on a loan that is paid out but not closed.
How do I get the ING discharge form?
ING moved the discharge request to an online form that can't be saved partway. Their own instruction: lodge it “at least 15 business days prior to any planned settlement date”. Consent can be given digitally or with a pen. Once it's filled in and signed, send it to the online form, or print, sign in ink and email to mortgage.discharges.au@ing.com.
How much does ING charge to break a fixed rate?
There is no set figure. ING calls it "break costs", and it is worked out on the day from the difference between your fixed rate and the wholesale rate for the rest of your term, so it can be zero or thousands. call 133 464 for an estimate. It applies if you repay $10,000 or more in any year of the fixed term. In ING's words: "You should refer to the Home Loan terms and conditions for details and contact us on 133 464 for an estimate of the break costs that may be payable by you in the above circumstances."
How do I get a payout figure from ING?
Call 133 464 or message ING in the app for an indicative payout figure. The formal one comes through the online discharge request, which ING wants at least 15 business days before settlement. It is only accurate for the date on it, because interest accrues daily, so ask for it once the settlement date is booked. In ING's words: "If you are thinking of selling or refinancing and would like an idea of what your payout figure will be on your home loan, then simply contact us so we can provide you with an indicative payout figure."
How do I change or cancel the direct debit on my ING home loan?
In the ING app, open the loan account, tap Scheduled, then Manage, then Edit direct debit. Changing the linked bank account is an online request under home loan variations. If the repayment comes from another bank, cancel it there the day after settlement so the final repayment doesn't bounce. In ING's words: "Login to your ING App and select the Loan Account. Tap the SCHEDULED tab. Tap MANAGE, then EDIT DIRECT DEBIT to select the direct debit you want to change."
Checked against ING’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.
Before you discharge, check the new rate is worth it
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.
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