You need to use a mortgage discharge instrument to discharge a registered mortgage. When this instrument is registered, the estate or interest is no longer subject to the mortgage. You can find more information by comparing this to the relevant section. To discharge a mortgage, the mortgage discharge instrument must be executed by the mortgagee and contain the prescribed information. The mortgagee is the person or organisation that lent the money. The prescribed information is the information that the law says must be included. If the mortgage is subject to a submortgage, you cannot register a mortgage discharge instrument. This means you cannot discharge the mortgage until the submortgage is dealt with.