St George Discharge Form: $350 Fee and 10 Business Days
Quick answer. The St George discharge form comes two ways: an online Property and Security Request form, or a PDF called Request to Amend an Existing Security that you download from St George’s form centre, print and sign. Full discharges go to nswdischarges@stgeorge.com.au. St George charges a $350 loan discharge fee per loan account and a $100 document processing fee, plus the NSW government’s $182.73 to register the discharge, and asks for the form at least ten business days before settlement. A broker refinancing you handles all of this.
Searching for the St George discharge authority? You’re in the right place. A discharge authority and a discharge form are the same thing: your signed instruction for St George to release the mortgage on your property.
Where to get the official St George discharge form
St George’s starting point is its how to discharge your mortgage page. From there you can use the online Property and Security Request form, or download the Request to Amend an Existing Security (PDF) from the home loan forms centre.
Format: your choice of online or PDF. The PDF is the one we use for clients because it can be emailed straight to the discharge team. A full discharge goes to nswdischarges@stgeorge.com.au; a partial discharge or a swap of security goes to mortgagesecurityvariations@stgeorge.com.au. You can also hand it in at a branch or post it to St George Bank, Mortgage Discharges, Locked Bag 1, Kogarah NSW. The phone number is 1300 304 660.
St George, Bank of Melbourne and BankSA are the same bank under three names, and their discharge forms are the same document with a different logo. If you found this page from a Bank of Melbourne or BankSA search, the steps below are the same.
What you’ll need to fill it in
- Whether you want a full discharge, a partial discharge or a substitution of security.
- The loan account number(s) and the names on each.
- The property address, state, postcode and title reference.
- Your expected settlement date, and the sale price if you are selling.
- Your solicitor or conveyancer, or the other financial institution and your broker if refinancing.
- What St George should do with each loan account at settlement: close it, or reduce the limit.
- A copy of the contract of sale if selling.
- Signatures from every party to the loan, including any guarantor. Executor or power-of-attorney documents if someone is signing for another person.
What it costs
| Cost | Amount | Source |
|---|---|---|
| St George loan discharge fee | $350 per loan account (as at 20 September 2026) | St George home loan charges, 22 April 2025 |
| St George document processing fee | $100 (as at 20 September 2026) | St George home loan charges, 22 April 2025 |
| Fixed-rate break cost | Individually calculated; St George says “sometimes tens of thousands of dollars” | St George break costs |
| NSW government fee to register the discharge | $182.73 incl. GST (as at 20 September 2026; other states differ) | NSW LRS 2026/27 fees |
The $350 is per loan account, so two splits means two fees. St George’s fee sheet also mentions an early termination fee on some introductory-rate loans if you leave inside a set period; that depends on the product you have, so check your loan contract or ask the bank.
If you are on a fixed rate, the break cost is the number to get first. St George is blunt about it on its own page: break costs may be high, sometimes tens of thousands of dollars. It is charged if you pay out the loan or switch products before the fixed period ends.
How long it takes
St George’s form says to lodge it at least ten business days before settlement, which the bank spells out as 14 calendar days excluding public holidays. Its paid-off page says to expect a confirmation letter about ten days after it receives the form. Treat ten business days as the floor and add a buffer.
The paperwork that trips people up at St George is the contract of sale (if selling) and a title reference that does not match what the bank holds. Get both right before you send the form and the ten days start straight away.
The traps we see people fall into
Sending it before the new loan is unconditional. The form instructs St George to release its mortgage. If your incoming lender has not yet given unconditional approval, wait. A discharge with no settlement behind it just creates a mess to unwind.
Losing track of the offset. At settlement St George clears the loan and closes the linked accounts, offset included. Decide where that balance goes, and before you shut it, confirm the offset was actually reducing your interest. This is how to check.
A break cost bigger than the saving. We have seen St George fixed-rate break costs that made the refinance pointless for another twelve months. That is not a reason to give up on switching; it is a reason to get the quote and pick the right date.
The two-lender timing problem. St George’s payout and the new lender’s settlement must happen on the same day. Miss by a week and you are paying interest on two loans. When we refinance a client we book and chase both ends so that does not happen.
Run the numbers before you send the form
A discharge only makes sense if the new loan beats the old one after the fees. Three of our calculators do the maths in a minute or two:
- Cost to switch calculator — the one to start with: it takes the discharge fee, the government fee and any break cost and tells you how many months until the switch has paid for itself.
- Loan repayment calculator — put in the new lender’s rate and see the monthly repayment side by side with what St George charges you now.
- Home loan offset calculator — if you are moving to (or away from) an offset account, this shows what the offset is actually worth in interest.
- Offset account checker — before you close the old loan, check St George has been crediting your offset properly. It is much harder to argue a mistake once the account is closed.
Refinancing? You don’t need to do any of this yourself
When Soren Financial refinances a client away from St George, we complete the Request to Amend an Existing Security, tell you where to sign, email it to the discharge team, chase the payout figure and any break cost, and book settlement so the St George loan closes the day the new one opens. The incoming lender pays us, so there is no cost to you.
Written by Mansour Soltani, Director, Soren Financial. Mansour has arranged refinances across the major banks and the non-bank lenders since 2019, and handles the discharge paperwork for every client Soren moves. Certificate IV and Diploma in Finance and Mortgage Broking Management. FBAA member. Credit Representative 527161 of Finsure Finance and Insurance Pty Ltd, Australian Credit Licence 384704.
Frequently asked questions
Is there a St George discharge form PDF?
Yes. It is called Request to Amend an Existing Security and is in St George’s home loan forms centre. There is also an online Property and Security Request form if you prefer.
What is the St George discharge fee?
$350 per loan account plus a $100 document processing fee, as at 20 September 2026. Government registration fees and any fixed-rate break cost are extra.
How long does a St George discharge take?
St George asks for the form at least ten business days (14 calendar days) before settlement, and says to expect a confirmation letter about ten days after it receives the form.
Where do I email the St George discharge form?
Full discharges go to nswdischarges@stgeorge.com.au. Partial discharges and security substitutions go to mortgagesecurityvariations@stgeorge.com.au.
Can I avoid the break fee with St George?
Not if you leave during the fixed period; the bank calculates it individually. What you can do is get the figure, compare it with the saving from the new loan, and choose whether to switch now or when the fixed term ends.
Is the St George discharge authority the same as the discharge form?
Yes. A discharge authority is the signed instruction that authorises St George to release its mortgage, and it is the same paperwork as the discharge form covered on this page. If you are refinancing, we can prepare and lodge it for you.