What the form is called, where to send it, how long it takes and what it costs.
Get the NAB discharge formPDFOpens NAB's own site. Checked 18 August 2026.
To discharge a NAB mortgage you complete the Mortgage Discharge Authority and send it to email to discharge.authority@nab.com.au. NAB asks for at least 10 business days before settlement. There is usually a discharge fee, set in your loan contract rather than published.
Form
Mortgage Discharge Authority
Lender asks for
10 business days
Discharge team
1300 880 142
Last checked
18 August 2026
When you took the loan out, NAB 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.
NAB won't take the form through internet banking. Email or post only, even though the form itself is a PDF you fill in on screen.
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 NAB has processed this form. Lodge it as soon as your new loan is formally approved, not after.
NAB 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 NAB discharge take?
NAB asks for at least 10 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 NAB charge a discharge fee?
Usually yes, but NAB 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 NAB discharge authority?
It's the form that tells NAB to release its mortgage over your property. You need one whether you're selling, refinancing to another lender, or paying the loan off entirely. NAB calls theirs the Mortgage Discharge Authority.
How do I get the NAB discharge form?
NAB won't take the form through internet banking. Email or post only, even though the form itself is a PDF you fill in on screen. Once it's filled in and signed, send it to email to discharge.authority@nab.com.au.
Checked against NAB’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 →