Council tax

Tips for saving on your council tax bill

• Check your council tax band – You may be in the wrong band and could claim for a refund for overpaid tax.
• Check if it could be a business expense – If you run a business from home, part of your council tax might be deductible, and you may also be eligible for small business rate relief.
• Spread payments over 12 months – Instead of paying over ten months, you can arrange to spread payments over 12 months to reduce the monthly payment burden.

Discounts and exemptions

If you live alone, you’re entitled to a 25% discount on your council tax bill and if you’re a full-time student, you won’t need to pay council tax at all. Some households are eligible for a 50% discount. Check whether you qualify for a council tax discount or exemption here.

Government support

• Universal Credit – This benefit can help with council tax payments.
• Second adult rebate – If another adult (not your partner) lives with you and is on a low income, you could get a discount.
• Severe Mental Impairment (SMI) Exemption – If someone in your household has a qualifying condition (e.g., dementia), they may be exempt from paying council tax.
• Carers Discount – You may get a reduction if you’re a full-time unpaid carer (this doesn’t include caring for your partner or child).
• Council Tax Hardship Fund – Some councils offer hardship relief, providing temporary reductions or payment plans for those in financial difficulty.

Check if you could get a Council Tax Reduction

You may be eligible for a reduction or exemption based on your circumstances. Discounts are available if you:

• Care for someone.
• Have a disability or a health condition.
• Are looking for work, are temporarily unable to work or are on a low income.
• Live alone or have an empty property.