What the form is called, where to send it, how long it takes and what it costs.
Start Westpac's discharge formonlineOpens Westpac's own site. Checked 18 August 2026.
To discharge a Westpac mortgage you complete the home loan release form (discharge authority) and send it to an online form you complete in one sitting — it can't be saved partway. Westpac doesn't publish a processing time, so allow at least 10 business days. There is usually a discharge fee, set in your loan contract rather than published.
Form
home loan release form (discharge authority)
Lender asks for
not published
Discharge team
1800 807 693
Last checked
18 August 2026
When you took the loan out, Westpac 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 form can't be saved and resumed, so have your loan account number, property details and everyone's ID ready before you start.
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 Westpac has processed this form. Lodge it as soon as your new loan is formally approved, not after.
Westpac 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 Westpac discharge take?
Westpac 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 1800 807 693 if you have a settlement date locked in.
Does Westpac charge a discharge fee?
Usually yes, but Westpac 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 Westpac discharge authority?
It's the form that tells Westpac to release its mortgage over your property. You need one whether you're selling, refinancing to another lender, or paying the loan off entirely. Westpac calls theirs the home loan release form (discharge authority).
How do I get the Westpac discharge form?
The form can't be saved and resumed, so have your loan account number, property details and everyone's ID ready before you start. Once it's filled in and signed, send it to an online form you complete in one sitting — it can't be saved partway.
Checked against Westpac’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 →