Mortgage discharge
ubank Mortgage Discharge Form
Refinancing, selling or paying off a ubank home loan? Here’s how ubank says to request a discharge, taken from ubank’s own pages (read 13 November 2026).
The short answer
ubank calls it a Discharge Authority form, and its help page doesn’t offer it as a download. You call ubank on 13 30 80 to discuss closing the loan, and if you still want to close it, ubank sends you the form. ubank’s fees page lists a discharge fee of $300 per property.
Forms and processes change. Check ubank’s page before you lodge. Source: ubank’s closing your home loan page; ubank’s paying off early page; ubank’s home loan fees page, read 13 November 2026.
Step by step
How to discharge your ubank mortgage
ubank calls it the Discharge Authority form.
ubank’s help pages describe these steps:
- Call ubank on 13 30 80 to discuss closing your home loan.
- If you still want to close it, ubank sends you a Discharge Authority form.
- Already paid the loan off? Call 13 30 80 so ubank can arrange for a Discharge Authority form to be sent to you.
ubank’s help pages don’t say who must sign or how long the discharge takes, so ask when you call. NAB’s online discharge form isn’t for ubank loans: NAB’s own checklist says not to use it if your home loan is with ubank.
Good to know
Fees, timing and contacts.
Only what ubank’s page states. Where it doesn’t say, ask ubank.
- Discharge fee. $300 per property, where ubank discharges a property at your request, per its fees page.
- Paying off early. ubank says there’s no charge for paying off a Neat variable or Flex variable loan early.
- Flex fixed loans. Break costs may apply if you pay the loan off during the fixed term, calculated under the loan agreement. ubank says to call 13 30 80 for the exact break cost.
Source: ubank’s closing your home loan page; ubank’s paying off early page; ubank’s home loan fees page, read 13 November 2026.
Refinancing
Refinancing away from ubank?
When you refinance, your new lender pays out your ubank loan at settlement, and ubank releases its mortgage at the same time. Your new lender, or your broker, will tell you when to lodge the discharge form. ubank’s process starts with a phone call, so allow time for the form to arrive before your new lender books 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 ubank 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 ubank. 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:
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- 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 download ubank’s discharge form?
ubank’s help page says to call 13 30 80; if you still want to close the loan, ubank sends you a Discharge Authority form.
What does ubank charge to discharge?
ubank’s fees page (read 13 November 2026) lists a discharge fee of $300 per property where it discharges a property at your request. Break costs may apply to Flex fixed loans paid off during the fixed term. Fees can change, so check ubank’s page.
Can I use NAB’s discharge form for a ubank loan?
No. NAB’s checklist says not to use its online discharge form if your home loan is with ubank. Call ubank on 13 30 80 instead.
Refinancing? Talk it through with a broker.
No obligation. No pressure. Just honest answers.
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