Authority Update - NSW - Introduction of National Mortgage Form

The National Mortgage Form (NMF) is a significant national initiative. Implementation of the NMF in New South Wales is schedule in accordance with below;

  • 27 May 2017 for paper mortgages
  • 2 July 2017 for electronic mortgages (to coincide with the PEXA Release 6.1 scheduled)



Australian legal practitioners, law practices, and licensed conveyancers, who act for mortgagees, will NOT be able to sign the paper NMF on behalf of mortgagees until the Conveyancing Rules are amended, which is anticipated for August 2017. 

Australian legal practitioners, law practices, and licensed conveyancers can continue to sign paper mortgages in a form approved by the Registrar General until the end of the transition period. 


Transition period 

Following the introduction of NMF, there will be a transition period from 27 May to 31 December 2017, where paper mortgages can be lodged in the either the new form or an existing approved form. 



From 1 January 2018: 

  • paper mortgages signed on or after 1 January 2018 must be lodged using the NMF; and
  • paper mortgages signed before 1 January 2018 may be lodged either using the NMF or a form approved by the Registrar General. 



The Australian Registrars National Electronic Conveyancing Council (ARNECC) has published an updated version of the NMF Design Specification. 

The specification sets out the NMF's acceptance and lodgment scenarios in each jurisdiction, and the execution details for mortgagors and mortgagees for each jurisdiction. 

A copy of these are available on ARNECC's website, here

It is available for use by relevant parties to prepare any systems and processes required in implementing these new national arrangements for lodging real property mortgages. 


More Information 

Enquires may be made via email to the: 

Office of the Registrar General at 

Land and Property Information at


Read more of New South Wales Authority Updates

Disclaimer: The information herein has been prepared by SAI Global Property Division Pty Ltd ACN 089 586 872 from information released by the Authority cited on this page. It is provided as general background information only; it is not complete; and it does not comprehensively address this subject matter. Readers should not consider the information so provided as advice nor as a recommendation to take any particular course of action. Persons needing advice should consult their own solicitor, accountant or other professional adviser.