Mortgage discharge
NAB Mortgage Discharge Form
Refinancing, selling or paying off a NAB home loan? Here’s how NAB says to request a discharge, taken from NAB’s own pages (read 13 November 2026).
The short answer
NAB calls it a mortgage discharge authority form. You complete it online, all borrowers sign it (printed and signed, or e-signed as a PDF), and you email it to discharge.authority@nab.com.au. NAB says it needs at least 10 business days to process a discharge form, so allow that before your proposed settlement date.
Forms and processes change. Check NAB’s page before you lodge. Source: NAB’s mortgage discharge page; NAB’s personal banking checklist, read 13 November 2026.
Step by step
How to discharge your NAB mortgage
NAB calls it the mortgage discharge authority form.
NAB’s personal banking checklist sets out three steps. If you have a banker or broker, NAB asks you to contact them before you start.
- Complete the form online in one sitting. NAB says you can’t save an incomplete form and come back to it, and to allow around 10 minutes.
- Read and sign the document. Once all borrowers sign, NAB has your authority to discharge the mortgage. You can print and sign it, or sign the PDF with an e-signature.
- Email the completed, signed form to discharge.authority@nab.com.au, at least 10 business days before your proposed settlement date.
Have these ready: the borrowers, properties and home loan account numbers; any authorised representatives for the discharge (for example your solicitor or broker); the account for any refund; and the NAB transaction account to debit any fees or government charges. NAB’s page says not to use this online form if your home loan is with ubank. Business customers have a separate checklist.
Good to know
Fees, timing and contacts.
Only what NAB’s page states. Where it doesn’t say, ask NAB.
- Timing. NAB says it needs at least 10 business days to process a discharge form.
- Fees. NAB’s page says there may be discharge fees and charges, which vary with the loan terms or the mortgage.
- Redraw. NAB may cancel redraw linked to the mortgage from 6am (AEST/AEDT) on the business day before the scheduled settlement date.
- Help completing the form. Customers can call 1300 880 142, including when the discharge involves more than five properties, owners or loan accounts. Brokers, solicitors and conveyancers can call 1300 622 276.
- Talk to NAB first. NAB’s home loan team is on 13 39 16, 9:30am to 5:30pm Monday to Friday (AEST/AEDT).
Source: NAB’s mortgage discharge page; NAB’s personal banking checklist, read 13 November 2026.
Refinancing
Refinancing away from NAB?
When you refinance, your new lender pays out your NAB loan at settlement, and NAB releases its mortgage at the same time. Your new lender, or your broker, will tell you when to lodge the discharge form. NAB’s form also covers releasing a family guarantee, so check which option fits your situation.
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 NAB 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 NAB. 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 I e-sign NAB’s discharge form?
Yes. NAB’s checklist says you can print the form and sign it, or sign the PDF on your device with an e-signature. All borrowers need to sign.
Where do I send NAB’s discharge form?
NAB’s checklist says to email the completed, signed form to discharge.authority@nab.com.au.
How long does a NAB discharge take?
NAB says it needs at least 10 business days to process a discharge form, and to allow at least 10 business days before your proposed settlement date.
Is NAB’s form the same for ubank home loans?
No. NAB’s checklist says not to use its online form if your home loan is with ubank. See our ubank discharge form page.
Refinancing? Talk it through with a broker.
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