Mortgage discharge
ING Mortgage Discharge Form
Refinancing, selling or paying off an ING home loan? Here’s how ING says to request a discharge, taken from ING’s own pages (read 13 November 2026).
The short answer
ING uses an online request to discharge your loan. You complete the form, give consent digitally or print and sign it in ink, and email it to mortgage.discharges.au@ing.com at least 15 business days before any planned settlement date.
Forms and processes change. Check ING’s page before you lodge. Source: ING’s request to discharge page, read 13 November 2026.
Step by step
How to discharge your ING mortgage
ING calls it the discharge form (request to discharge your loan).
ING’s page lists these steps:
- Complete the online form. ING says it takes about 10 to 15 minutes and you can’t save your progress.
- Give consent digitally, or print the form and sign it with an ink pen.
- Email the form to mortgage.discharges.au@ing.com at least 15 business days before any planned settlement date.
The form is for refinancing to another lender, paying out your ING home loan in full, or after selling the property. For a partial discharge or a change of security property, ING says you need a Residential Loan Variation Form, which you get by contacting ING.
Good to know
Fees, timing and contacts.
Only what ING’s page states. Where it doesn’t say, ask ING.
- Timing. ING asks for the form at least 15 business days before any planned settlement date.
- More questions. ING’s page points to the “Discharging your ING Home Loan” section of its home loans FAQ page.
Source: ING’s request to discharge page, read 13 November 2026.
Refinancing
Refinancing away from ING?
When you refinance, your new lender pays out your ING loan at settlement, and ING releases its mortgage at the same time. Your new lender, or your broker, will tell you when to lodge the discharge form. ING’s 15 business day lead time is worth knowing when your new lender sets a settlement date.
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 ING 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 ING. 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 early do I send ING’s discharge form?
ING’s page says at least 15 business days before any planned settlement date.
Can I sign ING’s discharge form digitally?
Yes. ING’s page says you can provide consent digitally, or print and sign the form with an ink pen.
What about a partial discharge with ING?
ING’s page says partial discharges and changes to the security property need a Residential Loan Variation Form, which you get by contacting ING.
Refinancing? Talk it through with a broker.
No obligation. No pressure. Just honest answers.
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