Mortgage discharge
Macquarie Mortgage Discharge Form
Refinancing, selling or paying off a Macquarie Bank home loan? Here’s how Macquarie says to request a discharge, taken from Macquarie’s own pages (read 13 November 2026).
The short answer
Macquarie calls it the Discharge Authority form, a PDF on its help page. All parties to the loan sign it with pen and paper (Macquarie says electronic signatures won’t be accepted), and you email it to clientservices@mortgageinfo.com.au. Macquarie says a discharge typically takes up to 21 days to finalise.
Forms and processes change. Check Macquarie’s page before you lodge. Source: Macquarie’s discharging your home loan page, read 13 November 2026.
Step by step
How to discharge your Macquarie mortgage
Macquarie calls it the Discharge Authority form.
Macquarie’s page sets out the process:
- Complete the Discharge Authority form, including your proposed settlement date. One form covers multiple home loan accounts in the same facility.
- All parties to the loan sign it with pen and paper.
- Email it to clientservices@mortgageinfo.com.au. Macquarie says an incorrectly completed form may cause delays.
- Within 3 business days of finalising your request, Macquarie instructs its solicitor, LegalStream, to act for it.
- For a sale or refinance, your representative books the discharge with LegalStream through PEXA, or by calling LegalStream on 02 9223 7919. Macquarie sends the payout figure to LegalStream.
- On discharge day, funds and title are exchanged. Title changes can take up to 10 business days to finalise, and the loan closes once funds are received, which can take up to 48 hours.
Releasing one of several properties? Macquarie’s page points to a separate partial discharge request.
Good to know
Fees, timing and contacts.
Only what Macquarie’s page states. Where it doesn’t say, ask Macquarie.
- Timing. Macquarie says a discharge typically takes up to 21 days to finalise.
- Fee. Macquarie’s discharge fee covers preparing the discharge and attending settlement, and is included in the final payout figure. Third-party costs, such as a mortgage discharge registration fee, may also apply.
- Restrictions. Macquarie restricts the loan, and for some loans the offset account, 2 or 4 business days before the discharge date, depending on the loan. Withdraw any redraw you need before then.
- Checking status. For a refinance, contact the lender you’re moving to, which schedules the discharge with LegalStream.
Source: Macquarie’s discharging your home loan page, read 13 November 2026.
Refinancing
Refinancing away from Macquarie?
When you refinance, your new lender pays out your Macquarie loan at settlement, and Macquarie releases its mortgage at the same time. Your new lender, or your broker, will tell you when to lodge the discharge form. For a refinance, Macquarie’s page says your new lender schedules the discharge with LegalStream when it’s ready.
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 Macquarie 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 Macquarie. Lender names are used to describe their own processes.
Guide
Want the guide in your inbox?
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.
We’ll email you the guide, sent by Daniel Innes, My Finance Consultants. We’ll only email you about the guide unless you tick the box. We use your first name and email for this only. See our Privacy Policy.
Questions
Common questions, straight answers.
Can I e-sign Macquarie’s Discharge Authority form?
No. Macquarie’s page says all parties must sign pen to paper, and electronic signatures won’t be accepted.
Where do I send Macquarie’s discharge form?
Macquarie’s page says to email it to clientservices@mortgageinfo.com.au.
How long does a Macquarie discharge take?
Macquarie says a discharge typically takes up to 21 days to finalise, and asks you to put your proposed settlement date on the form.
Who is LegalStream?
Macquarie’s page names LegalStream as the solicitor it instructs to act for it on discharges. For a sale or refinance, your representative books the discharge with LegalStream.
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.