Ubank
ubank discharge formand how to use it
One form. Allow at least 10 business days.
To discharge a Ubank mortgage you complete the Discharge Authority form and send it to the instructions Ubank sends with the form. Ubank doesn't publish a processing time. There is usually a discharge fee, set in your loan contract rather than published.
How to get the ubank formHow to get itby phoneUbank doesn't publish a form — call 13 30 80. Checked 8 September 2026.
- Form
- Discharge Authority form
- Lender asks for
- not published
- Discharge team
- 13 30 80
- Last checked
- 8 September 2026
What a discharge authority actually does
When you took the loan out, Ubank 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 Discharge Authority form — call 13 30 80 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 Broker and form-filling sites host old versions, and an out-of-date form gets rejected, which costs you the whole processing window.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 the instructions Ubank sends with the form.
- 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.
Ubank 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.
There is no public Ubank discharge form. You ring, they try to keep you, then they send it. Their own wording is ‘we’d hate to see you leave’ — so allow for that call.
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 Ubank has processed this form
- Lodge it as soon as your new loan is formally approved, not after
What it costs
Ubank 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. Ubank calls it “break costs”, 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 Ubank 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 13 30 80; there is no online tool. It only applies to Flex fixed loans, and the first $20,000 of extra repayments in the fixed term is free.
In Ubank’s words: “If you are looking to pay more than $20K during your fixed term, give us a call on 13 30 80 to know exactly what your break costs will be.” 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.
Phone 13 30 80. Ubank then sends the Discharge Authority form; there is no online payout-figure path. Ubank doesn't publish a turnaround. No fee for the letter is published. In Ubank’s words: “Give us a ring on 13 30 80 so we can discuss your loan. If you still want to close your Ubank home loan, we'll send you a Discharge Authority form.”
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.
Not self-serve. Complete the form, scan it and email it to advantedge.customercare@advantedge.com.au; confirmation usually comes within two business days. Amount and frequency changes are by phone on 13 30 80. Ubank’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 Ubank’s words: “Once the change has been actioned, the team at Advantedge will send you an email confirming all changes; usually you will receive the email within 2 business days.”
If the repayment comes from a Ubank 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
Ubank is part of the NAB 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 ubank discharge take?
Ubank 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 30 80 if you have a settlement date locked in.
Does Ubank charge a discharge fee?
Usually yes, but Ubank 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 ubank discharge authority?
It's the form that tells Ubank to release its mortgage over your property. You need one whether you're selling, refinancing to another lender, or paying the loan off entirely. Ubank calls theirs the Discharge Authority form.
Should I discharge my Ubank 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 Ubank's mortgage from your title. Until you lodge the Discharge Authority form and the discharge is registered with the land titles office, the property still shows Ubank 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 Ubank 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 Ubank 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 ubank discharge form?
Ubank doesn't publish one. Call 13 30 80 and they'll send it to you. There is no public Ubank discharge form. You ring, they try to keep you, then they send it. Their own wording is ‘we’d hate to see you leave’ — so allow for that call.
How much does Ubank charge to break a fixed rate?
There is no set figure. Ubank calls it "break costs", 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 13 30 80; there is no online tool. It only applies to Flex fixed loans, and the first $20,000 of extra repayments in the fixed term is free. In Ubank's words: "If you are looking to pay more than $20K during your fixed term, give us a call on 13 30 80 to know exactly what your break costs will be."
How do I get a payout figure from Ubank?
Phone 13 30 80. Ubank then sends the Discharge Authority form; there is no online payout-figure path. It is only accurate for the date on it, because interest accrues daily, so ask for it once the settlement date is booked. In Ubank's words: "Give us a ring on 13 30 80 so we can discuss your loan. If you still want to close your Ubank home loan, we'll send you a Discharge Authority form."
How do I change or cancel the direct debit on my Ubank home loan?
Not self-serve. Complete the form, scan it and email it to advantedge.customercare@advantedge.com.au; confirmation usually comes within two business days. Amount and frequency changes are by phone on 13 30 80. Ubank'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 Ubank's words: "Once the change has been actioned, the team at Advantedge will send you an email confirming all changes; usually you will receive the email within 2 business days."
Checked against Ubank’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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