Little-known council tax rebate that could cut your annual bill by 25%

My roommate just moved out, leaving me alone in my apartment. I’m really worried about the bills, including my council tax. Do you have any tips what I can do? Consumer champion Martyn James explains

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It’s completely independent of any government support you receive

The cost of living crisis has prompted millions of people to review their finances and start saving.

If you’re worried about keeping up with the rising costs, Mirror Money has tons of guides and suggestions on how to do it. here.

Many people think they have nowhere to go with their council tax bill. But the fact of the matter is that you may be able to get a discount on your bill if you meet certain criteria – and there is a tip that many people can use.

A reader asked me this week, “My roommate just moved out and left me alone in my apartment. I’m very worried about the bills including council tax. Any advice on what I can do?”

With council tax on top of our minds now with a discount about to kick in. Here’s everything you need to know save some extra.

individual discount

By far the best discount for most people when it comes to council tax is the individual discount.

If you live alone, you get a 25% discount on your bill.

Don’t assume, however, that advice will be pouring over the electoral roll to see if it’s accurate. If you don’t have the discount on your bill, let them know today. If someone moves out, you can also apply for the discount from the day they move out.

Distribute the payments

You’ll kick yourself when you hear this because once you know it seems so obvious. However, I suspect that the vast majority of people didn’t think to ask.

The municipal tax is usually settled over ten months, with two free months at the end of the term.

However, if money is tight, why not ask the Council to spread the money over 12 months instead? If you’re paying £1,200 a year, then over ten months you’re paying £120 a month. But over 12 you pay £100, saving you £20 a month. That’s a sixth less in real terms every month.

Are you “ignoring”?

I hate that term, but let’s get on with it for now. Some people are not included in the works council tax (basically not counted).

This is important as you may be able to claim a rebate on your council tax bill if you fall into any of the following categories:

  • If you are under 18 years old
  • On (some) apprenticeships
  • If you are 18 or 19 years old and in full-time education
  • If you are in college or university
  • If you are under the age of 25 and receive funding from the Education and Skills Funding Agency
  • If you are a student nurse
  • Some individuals belonging to the more vulnerable categories could also be included; this is defined by the government as a severe intellectual disability.

Wait, I hear you cry! Children do not pay council tax. And you don’t pay per person either. Yes that’s right. The point here is to determine the discount that you will receive. It’s going ok.

  • You get a 50% discount on your bill if everyone in your household is excluded.
  • You get a 25% discount on your bill if you pay council tax and either live alone or disregard everyone else in your home.
  • Finally, if everyone in the household is a student or classified as having a significant intellectual disability, you don’t pay council tax.

I know this is a little confusing so why not see if you qualify here.

If you or someone you live with has a disability

If you or someone you live with has a disability, you can also get a council tax reduction.

However, the rules on this are quite complicated and usually depend on whether your property has accommodated the person with a disability or has extra space for things like wheelchairs.

Emptiness and vacation homes

dispute time! You don’t get a discount for an empty house – and rightly so.

However, if you have major work done and cannot live in the property, your municipality may give you a discount.

This varies by municipality, so speak to them first. Some communities offer discounts on second homes but don’t shout about it for obvious reasons.

get help

If you’re worried about not being able to afford your council tax, don’t wait until you fall behind on your payments — contact your council now, explain your situation, and ask what they can do to fix the problem right away to solve.

They can also guide you through the complaints process.

Resolver can help you file a complaint about all types of community services for free

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