Mortgage discharge
CBA Mortgage Discharge Form
Refinancing, selling or paying off a CBA (Commonwealth Bank) home loan? Here’s how CBA says to request a discharge, taken from CBA’s own pages (read 13 November 2026).
The short answer
CBA calls it a discharge/refinance authority. Refinancing? CBA’s page says to call it on 1300 219 166 first; if you go ahead, CBA emails you a link to its refinance discharge authority, and the link expires in 72 hours. Selling, repaid, substituting a security or releasing a guarantor? You fill in the form online, print it, have all borrowers and guarantors sign, then email it or drop it at a branch.
Forms and processes change. Check CBA’s page before you lodge. Source: CBA’s discharge/refinance authority page, read 13 November 2026.
Step by step
How to discharge your CBA mortgage
CBA calls it the discharge/refinance authority.
For a sale, a repaid loan, a security substitution or releasing a guarantor, CBA’s page lists these steps:
- Fill in the form online. If a broker, solicitor or conveyancer is acting for you, CBA asks you to add their details, which gives them permission to act for you.
- Download and print the completed form.
- Have all borrowers and guarantors sign it.
- Email the signed form to cbadischarges@cba.com.au, or drop it off at a branch.
- CBA says it will be in touch to progress the request once it receives the signed form.
Refinancing to another lender works differently: call CBA on 1300 219 166, 8am to 6pm Monday to Friday (Sydney/Melbourne time). CBA says it needs to speak to one of the borrowers, or your Relationship Manager, Private Banker or originating broker. If you choose to continue, CBA emails you a link to its refinance discharge authority, which expires in 72 hours.
Good to know
Fees, timing and contacts.
Only what CBA’s page states. Where it doesn’t say, ask CBA.
- Settlement invite. CBA asks that your solicitor, conveyancer or the other financial institution invites it to settlement.
- Before settlement. Redraw funds are placed on hold 3 days before settlement. CBA asks you to keep making normal repayments but avoid extra payments within 3 business days of settlement; extra payments in that window aren’t included in the payout and are refunded 2 to 4 business days after settlement.
- Payout figure. CBA’s page says it includes the loan balance, accrued interest, a settlement fee ($350) or a substitution fee ($250) where you’ve applied for a substitution, and early repayment adjustment or admin fees where applicable. You can view an estimated payout figure in NetBank.
- After settlement. The loan closes 1 to 2 business days after settlement, any surplus is refunded 24 to 48 hours after that, and a closing statement arrives within 3 weeks.
- Residential only. The form is for residential properties. For a commercial property, CBA’s page says to call your Relationship Manager or Business Banking on 13 1998.
Source: CBA’s discharge/refinance authority page, read 13 November 2026.
Refinancing
Refinancing away from CBA?
When you refinance, your new lender pays out your CBA loan at settlement, and CBA releases its mortgage at the same time. Your new lender, or your broker, will tell you when to lodge the discharge form. CBA’s refinance route starts with a phone call, so allow time for it before your new lender books settlement.
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 CBA 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 CBA. 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.
How long is CBA’s refinance discharge link valid?
CBA’s page says the link to its refinance discharge authority, emailed after you call 1300 219 166, expires in 72 hours. If it expires, check with CBA for a new one.
Can my broker or conveyancer act on my CBA discharge?
CBA’s page says that if a broker, solicitor or conveyancer is acting for you, you add their details when you complete the form, which gives them permission to act on your behalf.
What’s in CBA’s payout figure?
Per CBA’s page: the loan balance, accrued interest, a settlement fee ($350) or substitution fee ($250) where applicable, and early repayment adjustment or admin fees where applicable (CBA’s page, read 13 November 2026). Fees can change, so check CBA’s page or your payout figure.
Can I make extra repayments just before settlement?
CBA asks you to avoid extra payments within 3 business days of settlement. Its page says these aren’t included in the payout and are refunded 2 to 4 business days after settlement.
Refinancing? Talk it through with a broker.
No obligation. No pressure. Just honest answers.
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