Mortgage discharge
Bendigo Bank Mortgage Discharge Form
Refinancing, selling or paying off a Bendigo Bank home loan? Here’s how Bendigo Bank says to request a discharge, taken from Bendigo Bank’s own pages (read 13 November 2026).
The short answer
Bendigo Bank calls it the Mortgage Discharge form, and you start it online on its closing your home loan page. All borrowers, including any guarantors, authorise and sign the discharge. If you’re refinancing, you can call 1300 236 344 or fill in the form, and Bendigo Bank says it can give you an indicative payout figure.
Forms and processes change. Check Bendigo Bank’s page before you lodge. Source: Bendigo Bank’s closing your home loan page, read 13 November 2026.
Step by step
How to discharge your Bendigo Bank mortgage
Bendigo Bank calls it the Mortgage Discharge form.
Bendigo Bank’s page sets out the process:
- Fill in the Mortgage Discharge form on Bendigo Bank’s page, or call 1300 236 344, or visit a branch.
- All borrowers and any guarantors sign. Bendigo Bank starts processing once it has signed forms from all of them.
- Bendigo Bank prepares the legal documents to release the mortgage, verifies the request and confirms the final payout figure, including any fees or charges. It can work with an authorised representative such as your broker, solicitor or conveyancer.
- On the agreed settlement day, it finalises the loan, releases the mortgage and arranges lodgement with the land titles office.
- You receive written confirmation that the loan is closed and the mortgage released.
Before closing any accounts, Bendigo Bank says it will contact you so you can manage funds in your loan or offset accounts. You may be able to keep your offset account as a transaction account.
Good to know
Fees, timing and contacts.
Only what Bendigo Bank’s page states. Where it doesn’t say, ask Bendigo Bank.
- Costs Bendigo Bank lists for leaving to refinance. Break costs if you’re on a fixed rate, and discharge fees to prepare paperwork. Its page doesn’t state the amounts.
- Phone. 1300 236 344, or a local branch.
Source: Bendigo Bank’s closing your home loan page, read 13 November 2026.
Refinancing
Refinancing away from Bendigo Bank?
When you refinance, your new lender pays out your Bendigo Bank loan at settlement, and Bendigo Bank releases its mortgage at the same time. Your new lender, or your broker, will tell you when to lodge the discharge form. Bendigo Bank says it can work with your broker, solicitor or conveyancer as an authorised representative during the discharge.
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 Bendigo Bank 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 Bendigo Bank. 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.
Who signs Bendigo Bank’s Mortgage Discharge form?
All borrowers, including any guarantors, per Bendigo Bank’s page. It starts processing once it has signed forms from all of them.
Can my broker deal with Bendigo Bank on the discharge?
Bendigo Bank’s page says it can work with any authorised representative, such as a broker, solicitor or conveyancer.
Can I keep my Bendigo Bank offset account?
Bendigo Bank’s page says you may be able to retain your offset account as a transaction account after the discharge, and it contacts you before closing any accounts.
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.