Mortgage discharge
ME Bank Mortgage Discharge Form
Refinancing, selling or paying off an ME Bank home loan? Here’s how ME Bank says to request a discharge, taken from ME Bank’s own pages (read 13 November 2026).
The short answer
ME Bank calls it the Discharge Authority Form. For a refinance, you call ME on 07 3016 5552 for the form. For a sale, a payout or releasing a security, you can download the PDF. You email it to DigitalServicing@mebank.com.au. ME Bank says requests for the form must come from the people named on the title, not a broker or third party, and that completing a discharge can take up to 21 business days.
Forms and processes change. Check ME Bank’s page before you lodge. Source: ME Bank’s discharging your home loan page, read 13 November 2026.
Step by step
How to discharge your ME Bank mortgage
ME Bank calls it the Discharge Authority Form.
ME Bank’s page lists these steps:
- Get the Discharge Authority Form. Refinancing: call ME on 07 3016 5552, 9am to 5pm Monday to Friday (AEDT). Selling, paying out or releasing a security: download the form, or call 13 15 63 and ask ME to email it.
- Email the completed form and any supporting documents to DigitalServicing@mebank.com.au.
- ME’s Discharges Team emails you once it has instructed its solicitors.
- You or your representative contact ME’s solicitor partner to request a settlement date.
- Settlement is completed, and ME emails you once the discharge is complete.
ME Bank’s page says requests for the form must come from the person or people named on the title. Brokers and third parties can’t call to request it.
Good to know
Fees, timing and contacts.
Only what ME Bank’s page states. Where it doesn’t say, ask ME Bank.
- Timing. Up to 21 business days from the date ME receives a correctly completed Discharge Authority Form.
- Fees. ME’s page says it charges $350 to process a discharge request. Government and title registration fees, which differ by state, are charged in the final payout figure, and a break cost may apply to a fixed rate loan.
- Payout figure. Provided about two days before settlement.
- After settlement. For a loan paid out in full, the title is returned once the Land Titles Office registers the discharge, which ME says can take up to six weeks.
Source: ME Bank’s discharging your home loan page, read 13 November 2026.
Refinancing
Refinancing away from ME Bank?
When you refinance, your new lender pays out your ME Bank loan at settlement, and ME Bank releases its mortgage at the same time. Your new lender, or your broker, will tell you when to lodge the discharge form. ME Bank asks refinancers to call 07 3016 5552 for the form, so allow time for that before 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 ME 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 ME 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.
Can my broker request ME Bank’s discharge form?
No. ME Bank’s page says requests for the form must come from the person or people on the title; brokers and third parties can’t call to request it.
How long does an ME Bank discharge take?
ME Bank’s page says up to 21 business days from the date it receives a correctly completed Discharge Authority Form.
What does ME Bank charge to discharge?
ME Bank’s page says it charges $350 for processing a discharge request, plus government and title registration fees, and a break cost may apply to a fixed rate (ME Bank’s page, read 13 November 2026). Fees can change, so check ME Bank’s page.
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