St.George
St George discharge formand how to use it
One form. Allow at least 10 business days.
To discharge a St.George mortgage you complete the Request to Amend an Existing Security (or the online Property and Security Request form) and send it by email to mortgagesecurityvariations@stgeorge.com.au, a St.George branch, or post to St.George Home Ownership Services, Locked Bag 1, Kogarah NSW 2217. St.George doesn't publish a processing time. The discharge fee is $350.
Get the St George discharge formGet the formPDFOpens St.George's own site. Checked 8 September 2026.
- Form
- Request to Amend an Existing Security (or the online Property and Security Request form)
- Lender asks for
- not published
- Discharge team
- 1300 304 660
- Last checked
- 8 September 2026
What a discharge authority actually does
When you took the loan out, St.George 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 Request to Amend an Existing Security (or the online Property and Security Request form) — the PDF on their own site. 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 Broker and form-filling sites host old versions, and an out-of-date form gets rejected, which costs you the whole processing window.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 by email to mortgagesecurityvariations@stgeorge.com.au, a St.George branch, or post to St.George Home Ownership Services, Locked Bag 1, Kogarah NSW 2217.
- 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.
St.George doesn't publish a time, so this uses 10 business days, what the other big lenders ask for. Weekends are skipped; public holidays in your state are not, so take a day off the date for each one.
St.George publishes two routes: the PDF linked here, or an online Property and Security Request form that can't be saved partway (“allow 20 minutes”). They say to expect a confirmation letter about 10 days after they receive the form, and — unusually for the Westpac group — they state the fee: $350 per loan account.
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 St.George has processed this form
- Lodge it as soon as your new loan is formally approved, not after
What it costs
St.George 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.
Breaking a fixed rate first
If any part of the loan is still fixed, this is step zero. St.George calls it “break cost”, 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 St.George 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: phone 1300 304 660 or ask at a branch. The estimate is good for two business days only, the shortest on this list.
In St.George’s words: “If you are considering prepaying all or part of your fixed rate loan during a fixed rate period, please contact us to request an estimate of the break costs that may be payable.” 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.
It is calculated as part of the discharge: submit the online Property and Security Request, or call 1300 304 660. St.George doesn't publish a turnaround. No fee for the letter is published. In St.George’s words: “We'll calculate your payout figure as part of this process. This is the final amount needed to repay your home loan and close your account.”
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.
A direct debit change needs the form, lodged at least ten working days before the next payment; there is no self-serve path for it. St.George’s form is the Direct Debit Request/Authority for Automatic Transfer – Home Loans, the same one you use to change the account repayments come from or the repayment amount. In St.George’s words: “Direct Debit Request/Authority for Automatic Transfer – Home Loans (Only to be used for Residential Loans starting with S). Amendment to existing authority: Complete 1, 2, 3, 4 & 7.”
If the repayment comes from a St.George 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.
Same group, different form
St.George is part of the Westpac Group. The process is similar across the group, but each brand has its own form and its own discharge team — use the one for the name on your loan.
Common questions
How long does a St George discharge take?
St.George 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 304 660 if you have a settlement date locked in.
Does St.George charge a discharge fee?
Yes. St.George 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.
What is a St George discharge authority?
It's the form that tells St.George to release its mortgage over your property. You need one whether you're selling, refinancing to another lender, or paying the loan off entirely. St.George calls theirs the Request to Amend an Existing Security (or the online Property and Security Request form).
Should I discharge my St.George 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 St.George's mortgage from your title. Until you lodge the Request to Amend an Existing Security (or the online Property and Security Request form) and the discharge is registered with the land titles office, the property still shows St.George 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 St.George 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 St.George to process the discharge, which takes a couple of weeks, 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 St George discharge form?
St.George publishes two routes: the PDF linked here, or an online Property and Security Request form that can't be saved partway (“allow 20 minutes”). They say to expect a confirmation letter about 10 days after they receive the form, and — unusually for the Westpac group — they state the fee: $350 per loan account. Once it's filled in and signed, send it to email at mortgagesecurityvariations@stgeorge.com.au, a St.George branch, or post to St.George Home Ownership Services, Locked Bag 1, Kogarah NSW 2217.
How much does St.George charge to break a fixed rate?
There is no set figure. St.George calls it "break cost", 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. phone 1300 304 660 or ask at a branch. The estimate is good for two business days only, the shortest on this list. In St.George's words: "If you are considering prepaying all or part of your fixed rate loan during a fixed rate period, please contact us to request an estimate of the break costs that may be payable."
How do I get a payout figure from St.George?
It is calculated as part of the discharge: submit the online Property and Security Request, or call 1300 304 660. It is only accurate for the date on it, because interest accrues daily, so ask for it once the settlement date is booked. In St.George's words: "We'll calculate your payout figure as part of this process. This is the final amount needed to repay your home loan and close your account."
How do I change or cancel the direct debit on my St.George home loan?
A direct debit change needs the form, lodged at least ten working days before the next payment; there is no self-serve path for it. St.George's form is the Direct Debit Request/Authority for Automatic Transfer – Home Loans. If the repayment comes from another bank, cancel it there the day after settlement so the final repayment doesn't bounce. In St.George's words: "Direct Debit Request/Authority for Automatic Transfer – Home Loans (Only to be used for Residential Loans starting with S). Amendment to existing authority: Complete 1, 2, 3, 4 & 7."
Checked against St.George’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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