ME
One form. Allow up to 21 business days.
To discharge an ME mortgage you complete the Discharge Authority Form and send it to email at DigitalServicing@mebank.com.au. ME says it takes up to 21 business days. The discharge fee is $350.
Get the ME Bank discharge formPDFOpens ME's own site. Checked 8 September 2026.
When you took the loan out, ME 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.
The download only covers selling, paying out or releasing a security. If you're refinancing to another lender, ME makes you ring 07 3016 5552 for the form — and the request has to come from someone named on the title, not a broker.
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
ME publishes a discharge fee of $350, 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.
ME says it takes up to 21 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. ME publishes a discharge fee of $350, 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 ME to release its mortgage over your property. You need one whether you're selling, refinancing to another lender, or paying the loan off entirely. ME calls theirs the Discharge Authority Form.
The download only covers selling, paying out or releasing a security. If you're refinancing to another lender, ME makes you ring 07 3016 5552 for the form — and the request has to come from someone named on the title, not a broker. Once it's filled in and signed, send it to email at DigitalServicing@mebank.com.au.
Checked against ME’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.