Mortgage discharge
ANZ Mortgage Discharge Form
Refinancing, selling or paying off an ANZ home loan? Here’s how ANZ says to request a discharge, taken from ANZ’s own pages (read 13 November 2026).
The short answer
ANZ calls it the Discharge and Variation Authority form. You request it from ANZ’s page, complete it (online where possible), print it, and every party including any guarantors signs it by hand, because ANZ says e-Sign isn’t available for this form. You then submit it through your Customer Representative, by email to releasesdava@anz.com, or by post.
Forms and processes change. Check ANZ’s page before you lodge. Source: ANZ’s closing your home loan page, read 13 November 2026.
Step by step
How to discharge your ANZ mortgage
ANZ calls it the Discharge and Variation Authority form.
ANZ’s page sets out how to submit the Discharge and Variation Authority form:
- Request the form from ANZ’s closing your home loan page.
- Complete all sections that apply, online where possible. Include all borrowers, guarantors and companies, your loan and security details with reference numbers, and your settlement representative or contact person if you have one.
- Print the form and have all parties, including any guarantors, physically sign it.
- Submit it through your Customer Representative, by email to releasesdava@anz.com, or by post to Releases & Security Variations, Locked Bag 38002, Docklands VIC 8012.
- If it’s for a property settlement, ask your legal representative to send ANZ a PEXA invite.
ANZ’s page says paying off the loan and closing the account doesn’t automatically discharge the mortgage or release a guarantor. You still need to lodge the form. Private Banking and Relationship Managed customers are asked to contact their Relationship Manager.
Good to know
Fees, timing and contacts.
Only what ANZ’s page states. Where it doesn’t say, ask ANZ.
- Payout figure. You can request one through a loan closure request in ANZ Internet Banking, or by messaging in the ANZ App. It must be paid on the same day ANZ provides it.
- Fees. ANZ’s payout figure excludes ANZ and government discharge fees. Its page says early repayment costs and other discharge fees may apply if you pay out early.
- Redraw. Once the loan is paid out, ANZ Redraw is no longer available.
- Questions. For home loan closures, ANZ lists 13 25 99, 8am to 7pm Monday to Friday (Sydney/Melbourne time).
Source: ANZ’s closing your home loan page, read 13 November 2026.
Refinancing
Refinancing away from ANZ?
When you refinance, your new lender pays out your ANZ loan at settlement, and ANZ releases its mortgage at the same time. Your new lender, or your broker, will tell you when to lodge the discharge form. ANZ’s form covers a refinance, a sale, a loan paid out with no settlement, removing a guarantor and substituting a security.
Before you lodge, some lenders may offer to review your rate. You can compare any offer with the new loan, including the costs of switching, before you decide. See ANZ home loan rates, each with its comparison rate, and how refinancing works with us.
We can help you find what your lender asks for.
Another lender? See mortgage discharge forms by lender.
Not affiliated with or endorsed by ANZ. Lender names are used to describe their own processes.
Guide
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When refinancing makes sense, what it really costs to switch, and the traps to avoid. Inside:
- Where rates sit now
- When to refinance
- What switching costs
- The break-even maths
- Your checklist
Guide by email
Refinancing: Your Guide to Switching Home Loans
When refinancing makes sense, what it really costs to switch, and the traps to avoid.
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Questions
Common questions, straight answers.
Can I e-sign ANZ’s discharge form?
No. ANZ’s page says all parties, including any guarantors, must physically sign the form, as ANZ e-Sign isn’t currently available for it.
Where do I send ANZ’s Discharge and Variation Authority form?
Through your Customer Representative, by email to releasesdava@anz.com, or by post to Releases & Security Variations, Locked Bag 38002, Docklands VIC 8012, per ANZ’s page.
Does paying off my ANZ loan remove the mortgage?
Not by itself. ANZ’s page says paying off the loan and closing the account doesn’t automatically discharge the mortgage or release guarantors; you submit the Discharge and Variation Authority form for that.
Refinancing? Talk it through with a broker.
No obligation. No pressure. Just honest answers.
We don’t charge you for our service. Lenders pay us a commission if you go ahead with a loan.