Suncorp
Suncorp discharge formand how to use it
One form. Allow at least 10 business days.
To discharge a Suncorp mortgage you complete the Home Loan Servicing Request form and send it to Suncorp by post or at a branch, or sign it in DocuSign if that's how they sent it. Suncorp doesn't publish a processing time. There is usually a discharge fee, set in your loan contract rather than published.
How to get the Suncorp formHow to get itby phoneSuncorp doesn't publish a form — call 13 11 75. Checked 11 October 2026.
- Form
- Home Loan Servicing Request form
- Lender asks for
- not published
- Discharge team
- 13 11 75
- Last checked
- 11 October 2026
What a discharge authority actually does
When you took the loan out, Suncorp 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 Home Loan Servicing Request form — call 13 11 75 and they'll send it. 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 Broker and form-filling sites host old versions, and an out-of-date form gets rejected, which costs you the whole processing window.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 Suncorp by post or at a branch, or sign it in DocuSign if that's how they sent it.
- 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.
Suncorp 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.
Suncorp prepares the form during a phone call and sends it by email, post or DocuSign — there is nothing to download. Their own tip: “We won't accept discharge forms from other banks.” After settlement they say removing the mortgage from your title can take up to 20 days.
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 Suncorp has processed this form
- Lodge it as soon as your new loan is formally approved, not after
What it costs
Suncorp 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. Suncorp calls it “Early Payment Interest Adjustment”, 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 Suncorp 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: ask in a branch or call 13 11 75. Suncorp publishes no online quote path, and says the amount can't be known when you fix because it moves with the wholesale swap rate. Suncorp publishes a worked example.
In Suncorp’s words: “The method Suncorp Bank uses to calculate EPIA is included in your loan contract and a Worked Example is included in this brochure. The amount of EPIA could be substantial.” 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 13 11 75 or visit a branch. Suncorp prepares a Home Loan Servicing Request form and sends it by email, post or DocuSign for signature; there is no self-serve figure. Suncorp doesn't publish a turnaround. No fee for the letter is published. In Suncorp’s words: “During our conversation we can prepare a Home Loan Servicing Request form which we can send to you via email, post or via digital envelope with our partners Docusign.”
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.
Send a secure message in internet banking with the loan account number, start date and frequency, or ask at a branch or on 13 11 75, and Suncorp issues the form; it isn't published online. Suncorp’s form is the Direct Debit request form, the same one you use to change the account repayments come from or the repayment amount. In Suncorp’s words: “Send an enquiry with your loan account number to receive a Direct Debit request form.”
If the repayment comes from a Suncorp 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 a Suncorp discharge take?
Suncorp 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 13 11 75 if you have a settlement date locked in.
Does Suncorp charge a discharge fee?
Usually yes, but Suncorp 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 Suncorp discharge authority?
It's the form that tells Suncorp to release its mortgage over your property. You need one whether you're selling, refinancing to another lender, or paying the loan off entirely. Suncorp calls theirs the Home Loan Servicing Request form.
Should I discharge my Suncorp 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 Suncorp's mortgage from your title. Until you lodge the Home Loan Servicing Request form and the discharge is registered with the land titles office, the property still shows Suncorp 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 Suncorp 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 Suncorp 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 Suncorp discharge form?
Suncorp doesn't publish one. Call 13 11 75 and they'll send it to you. Suncorp prepares the form during a phone call and sends it by email, post or DocuSign — there is nothing to download. Their own tip: “We won't accept discharge forms from other banks.” After settlement they say removing the mortgage from your title can take up to 20 days.
How much does Suncorp charge to break a fixed rate?
There is no set figure. Suncorp calls it "Early Payment Interest Adjustment", 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. ask in a branch or call 13 11 75. Suncorp publishes no online quote path, and says the amount can't be known when you fix because it moves with the wholesale swap rate. In Suncorp's words: "The method Suncorp Bank uses to calculate EPIA is included in your loan contract and a Worked Example is included in this brochure. The amount of EPIA could be substantial."
How do I get a payout figure from Suncorp?
Call 13 11 75 or visit a branch. Suncorp prepares a Home Loan Servicing Request form and sends it by email, post or DocuSign for signature; there is no self-serve figure. It is only accurate for the date on it, because interest accrues daily, so ask for it once the settlement date is booked. In Suncorp's words: "During our conversation we can prepare a Home Loan Servicing Request form which we can send to you via email, post or via digital envelope with our partners Docusign."
How do I change or cancel the direct debit on my Suncorp home loan?
Send a secure message in internet banking with the loan account number, start date and frequency, or ask at a branch or on 13 11 75, and Suncorp issues the form; it isn't published online. Suncorp's form is the Direct Debit request form. If the repayment comes from another bank, cancel it there the day after settlement so the final repayment doesn't bounce. In Suncorp's words: "Send an enquiry with your loan account number to receive a Direct Debit request form."
Checked against Suncorp’s own discharge page on 11 October 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.
Opens the chat with your question filled in. Nothing is sent until you press send.