Mortgage discharge
St.George Mortgage Discharge Form
Refinancing, selling or paying off a St.George home loan? Here’s how St.George says to request a discharge, taken from St.George’s own pages (read 13 November 2026).
The short answer
St.George has two routes. Refinancing away? Call 1300 302 302 (8am to 8pm Monday to Friday (AEST), option 2) or request a callback, and St.George sends you a Property and Security request form to sign and email to mortgagesecurityvariations@stgeorge.com.au. Paid off or selling? Fill in St.George’s online Property and Security Request form at psr.stgeorge.com.au, then return it by email, at a St.George branch or by post. For payout questions, St.George lists 1300 304 660 (8am to 8pm Monday to Friday and 9am to 6pm Saturday).
Forms and processes change. Check St.George’s page before you lodge. Source: St.George’s refinance page; St.George’s paid off your home loan page; St.George’s discharge page, read 13 November 2026.
Step by step
How to discharge your St.George mortgage
St.George calls it the Property and Security request form.
Refinancing to another lender, St.George’s refinance page lists these steps:
- Complete the callback form or call 1300 302 302 to discuss your options and be guided through the discharge process.
- St.George sends you a Property and Security request form.
- Download, complete and sign it. All account holders, plus any guarantors, must sign.
- Email the signed form to mortgagesecurityvariations@stgeorge.com.au.
- St.George reviews the request and gets in touch with any questions. Expect a confirmation letter about 10 days after it receives everything it needs.
Paid off? St.George’s paid-off page says to fill out its online Property and Security Request form (allow 20 minutes, as you can’t save and come back), then return it by email to mortgagesecurityvariations@stgeorge.com.au, at a St.George branch, or by post to St.George Home Ownership Services, Locked Bag 1, Kogarah NSW 2217. Expect a confirmation letter in about 10 days. St.George’s discharge page also links to closing a linked term deposit, removing or updating a guarantor, and updating the property held as security.
Good to know
Fees, timing and contacts.
Only what St.George’s page states. Where it doesn’t say, ask St.George.
- Refinance line. 1300 302 302, 8am to 8pm Monday to Friday (AEST), option 2.
- Payout and selling line. 1300 304 660, 8am to 8pm Monday to Friday and 9am to 6pm Saturday, per St.George’s paid-off page.
- Costs. St.George’s paid-off page lists a discharge fee of $350 per loan account, and says state government title administration fees are generally $150 to $300. A break cost may apply if you pay off a fixed loan before the fixed term ends.
- Paid off. St.George says a paid-off loan account won’t close automatically, so account fees can apply until it’s closed. The discharge process closes the account for you.
- Selling and buying again? St.George’s selling page describes porting the loan with the same form: answer ‘No’ to ‘Will the loan be closed?’ and write ‘Application for portability’ under ‘Additional information’.
Source: St.George’s refinance page; St.George’s paid off your home loan page; St.George’s discharge page, read 13 November 2026.
Refinancing
Refinancing away from St.George?
When you refinance, your new lender pays out your St.George loan at settlement, and St.George releases its mortgage at the same time. Your new lender, or your broker, will tell you when to lodge the discharge form. St.George’s refinance route starts with a call, so allow time for the call and the form to arrive.
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 St.George home loan rates, each with its comparison rate, and how refinancing works with us.
We can help you find what your lender asks for.
Similar steps at other lenders, each with its own details: Westpac, Bank of Melbourne, BankSA. Another lender? See mortgage discharge forms by lender.
Not affiliated with or endorsed by St.George. 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 download St.George’s discharge form?
For a refinance, St.George’s page says to call 1300 302 302 or request a callback, and St.George then sends you a Property and Security request form. For a paid-off loan or a sale, St.George has an online Property and Security Request form.
Where do I send St.George’s Property and Security request form?
By email to mortgagesecurityvariations@stgeorge.com.au. For a paid-off loan, St.George’s page also accepts it at a branch or by post to St.George Home Ownership Services, Locked Bag 1, Kogarah NSW 2217.
What does St.George charge to discharge?
St.George’s paid-off page lists a discharge fee of $350 per loan account, plus state government title administration fees, generally $150 to $300 (St.George’s page, read 13 November 2026). Fees can change, so check St.George’s page.
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.