What the form is called, where to send it, how long it takes and what it costs.
Get the Macquarie discharge formPDFOpens Macquarie's own site. Checked 18 August 2026.
To discharge a Macquarie mortgage you complete the Discharge Authority form and send it to email to clientservices@mortgageinfo.com.au. Macquarie asks for at least 28 business days before settlement. The discharge fee is $400.
Form
Discharge Authority form
Lender asks for
28 business days
Discharge team
13 62 27
Last checked
18 August 2026
When you took the loan out, Macquarie 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.
Every borrower has to sign with pen on paper — Macquarie won’t take electronic signatures. They pass the file to their panel solicitor within about 3 business days, and settlement can take up to 28 days from there.
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 Macquarie has processed this form. Lodge it as soon as your new loan is formally approved, not after.
Macquarie publishes a discharge fee of $400, which is unusual — almost no other lender states 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.
How long does a Macquarie discharge take?
Macquarie asks for at least 28 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 Macquarie charge a discharge fee?
Yes. Macquarie publishes a discharge fee of $400, and it's added to your final payout figure rather than billed separately. That makes them unusual — most lenders don't publish a number at all. Break costs on a fixed rate are separate and can be much larger.
What is a Macquarie discharge authority?
It's the form that tells Macquarie to release its mortgage over your property. You need one whether you're selling, refinancing to another lender, or paying the loan off entirely. Macquarie calls theirs the Discharge Authority form.
How do I get the Macquarie discharge form?
Every borrower has to sign with pen on paper — Macquarie won’t take electronic signatures. They pass the file to their panel solicitor within about 3 business days, and settlement can take up to 28 days from there. Once it's filled in and signed, send it to email to clientservices@mortgageinfo.com.au.
Checked against Macquarie’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 →