Mortgage discharge
Westpac Mortgage Discharge Form
Refinancing, selling or paying off a Westpac home loan? Here’s how Westpac says to request a discharge, taken from Westpac’s own pages (read 13 November 2026).
The short answer
Refinancing away from Westpac? Call 1800 807 693 (8am to 8pm Monday to Friday, 9am to 6pm Saturday, Sydney time) or request a callback, and Westpac sends you a Property and Security request form to sign and email to securityvariations@mortgage.westpac.com.au. Selling or paid off? Westpac’s pages point you to its online Property and Security Request form, which its selling page also calls the home loan release form, or discharge authority form.
Forms and processes change. Check Westpac’s page before you lodge. Source: Westpac’s refinancing and discharge page; Westpac’s paid off your home loan page; Westpac’s selling your property page, read 13 November 2026.
Step by step
How to discharge your Westpac mortgage
Westpac calls it the Property and Security request form.
Refinancing to another lender, Westpac’s refinance page lists these steps:
- Complete the callback form or call 1800 807 693 to discuss your options and be guided through the discharge process.
- Westpac 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 securityvariations@mortgage.westpac.com.au.
- Westpac 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, or selling? Westpac’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), with all parties and guarantors signing. You return it by email to securityvariations@mortgage.westpac.com.au, at a Westpac branch, or by post to Discharges and Portabilities, Westpac Home Ownership Services, PO Box 2755, Adelaide SA 5001. Westpac’s selling page says to share the form with your conveyancer or solicitor a few weeks before settlement.
Good to know
Fees, timing and contacts.
Only what Westpac’s page states. Where it doesn’t say, ask Westpac.
- Refinance line. 1800 807 693, 8am to 8pm Monday to Friday and 9am to 6pm Saturday (Sydney time). Westpac’s paid-off page also gives this number to estimate your payout figure.
- Selling line. Westpac’s selling page lists 132 558, 8am to 8pm Monday to Friday and 9am to 6pm Saturday and Sunday (Sydney time). Business customers have a separate discharge form.
- Paid off. Westpac 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.
- Costs. Westpac’s paid-off page says state government title administration fees are generally $150 to $300 per mortgage, a break cost may apply to a fixed loan paid off early, and a valuation fee may be needed where multiple securities are involved. Its refinance page also lists a loan discharge fee, without an amount.
- St.George, Bank of Melbourne and BankSA publish similar steps on their own pages (read 13 November 2026), each with its own phone number and email address. Use Westpac’s details for a Westpac loan.
Source: Westpac’s refinancing and discharge page; Westpac’s paid off your home loan page; Westpac’s selling your property page, read 13 November 2026.
Refinancing
Refinancing away from Westpac?
When you refinance, your new lender pays out your Westpac loan at settlement, and Westpac releases its mortgage at the same time. Your new lender, or your broker, will tell you when to lodge the discharge form. Westpac’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 Westpac 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: St.George, Bank of Melbourne, BankSA. Another lender? See mortgage discharge forms by lender.
Not affiliated with or endorsed by Westpac. 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 Westpac’s discharge form?
For a refinance, Westpac’s page says to call 1800 807 693 or request a callback, and Westpac then sends you a Property and Security request form. For a sale or a paid-off loan, its pages point to an online Property and Security Request form.
Who signs Westpac’s Property and Security request form?
All account holders plus any guarantors, per Westpac’s refinance page. Its paid-off page says all parties and guarantors must sign.
How long does Westpac take?
Westpac’s refinance page says to expect a confirmation letter about 10 days after it receives everything it needs.
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.