London Daily

Focus on the big picture.
Saturday, Jun 27, 2026

Martin Lewis reveals how to claim thousands back from council tax

Martin Lewis reveals how to claim thousands back from council tax

Financial guru Martin Lewis has explained how hundreds of thousands of people could save huge sums on their council tax.

The Money Saving Expert founder says people who have be paying incorrect rates for a significant period of time could claim the money back.

Speaking on the Martin Lewis Money Show he set out seven steps to work out if you are paying too much, and reclaim what you are owed.

Check your council tax band – here’s how


Up to 400,000 households are overpaying in the wrong council tax band and may be owed repayments going as far back as 27 years.

Martin outlined two steps to reveal whether you are affected.

First of all, check what your neighbours are paying by visiting the Valuation Office Agency (VOA) in England or the Scottish Assessors Association (SAA) in Scotland.

If you are paying more than your neighbours, work out what your house was worth in 1991 with the help of online tools, such as this one from Nationwide.


If you are a single adult living alone, you should get a 25% discount


Once you know the house’s previous value, you can see what council tax band you should have been placed in.

You should only apply for a refund if both checks indicate you are in the wrong band.

On a street in Hull, one unidentified resident appealed as she was in band B and all her neighbours in similar properties were in band A.

But instead of her getting a council tax cut, all her neighbours are now facing larger bills as they were all put into a higher band.

This is why it is vital to also do the valuation check.

Lower occupancy discounts


If you are a single adult living alone, you should get a 25% discount on your council tax.

The full bill usually assumes at least two adults live in a property.

Discounts also apply to students, carers, people with health conditions and children.


Discounts also apply to students, carers, people with health conditions and children


Tell the council as soon as possible if your circumstances change through a housemate/lodger leaving, becoming a student, separation, divorce, or the death of a partner/spouse.

You can backdate lower occupancy claims too.

Benefit claimant discounts


People on certain benefits or a low income can receive discounts of up to 100%.

It does not matter if you own your own home or rent, or whether you are employed or not.

All can apply, but the sooner you apply the better as council tax reductions are not typically backdated.


People who have lost out due to the pandemic can also claim


The reduction comes on top of any benefits or universal credit you receive.

Your reduction depends on factors such as where you live, your income, the number of children you have and your residency status.

Some councils may let you backdate the reduction, but by how many months varies by council so you will need to check.

Severe mental impairment discounts


If you or someone you live with is medically certified as being ‘severely mentally impaired’ you could be eligible for a discount.

This is a medical diagnosis in itself, but the underlying cause could be a condition such as dementia (including Alzheimer’s) or severe learning difficulties.

There is a 25% discount if you live with someone with a severe mental impairment and no other adults, or only adults who are also disregarded for council tax purposes.

If you have a severe mental impairment and live alone you receive a 100% discount.

The claims are also backdated, meaning you could receive thousands.

Coronavirus help


Many councils are offering extra support such as payment holidays for residents who have lost out on income due to the pandemic.

Support is offered on a case-by-case basis, but most would offer payment holidays for those struggling with their 2020/21 council tax bill or give council tax reductions of up to 100% on bills for many people on benefits.

In England, you may also get £150 off your bill backed by a £500 million Covid-19 hardship fund.

Have you adapted your home?


If you have made changes to your home for a disabled resident, you could be eligible for a refund.

Instead of a discount, you may be able to get your council tax band lowered.

Are the council sitting on your cash?


Many people pay council tax a month or a year ahead, meaning if you move house, they keep it until you ask for it back.

If you have moved in the past few years, search for council tax refunds on your old council’s site.

Newsletter

Related Articles

0:00
0:00
Close
London Ambulance Service Sees Record Emergency Demand as Heatwave Intensifies
British Chambers of Commerce Warns of Prolonged Weak Investment Climate Through 2027
Bank of England Holds Interest Rates as Inflation Risks Persist
UK Construction Sector Faces One Percent Contraction Amid Cost and Investment Pressures
Former DUP Leader Sir Jeffrey Donaldson Convicted of Sexual Offences
Church of England Appoints Dr Linsay Cunningham to Lead Faith and Public Life Division
UK Armed Forces Day Marked Nationwide With Events From Aberdeen to the Scilly Isles
Rising Tensions in Edinburgh Prompt Joint Warning From Scottish Local Government Leaders
UK Construction Sector Forecast to Contract One Percent in 2026 on Cost Pressures
UK Parliament Backs 87 Percent Emissions Cut as Government Deepens Electrification Drive
British Chambers of Commerce Forecast Weak UK Growth as Investment and Demand Slow
Bank of England Holds Interest Rates at 3.75 Percent Amid Energy and Inflation Uncertainty
London Ambulance Service Reports Record Surge in Life-Threatening Emergency Calls During Heatwave
UK Parliament Approves Legally Binding 87 Percent Emissions Cut Target by 2040
United Kingdom Records Third Consecutive Day of Record June Heat as Europe Faces Worsening Heatwave
Robert Jenrick Defends £5 Million Donation to Nigel Farage Amid Political Scrutiny
Plymouth Museum The Box Wins 2026 Art Fund Museum of the Year Award
UK Government Faces Backlash Over Plans to Use Former Military Sites for Asylum Accommodation
Labour Party Faces Pressure Over Cabinet Stability as Senior Figures Clash on Policy Direction
Heathrow Airport Forecasts Passenger Decline in 2026 as Costs and Climate Disruption Mount
UK Energy Regulator Approves Expansion of Long-Duration Storage to Boost Power System Resilience
Crown Estate Reports Third Consecutive Year of £1 Billion Profit as Debate Over Royal Finances Intensifies
Teenager Charged With Murder in Wales Following Death of 14-Year-Old Boy
Nottingham University Hospitals Maternity Failures Trigger Calls for Public Inquiry Into Patient Safety
EasyJet Rejects £4.9 Billion Takeover Offer From Castlelake but Keeps Door Open for Further Talks
Record Heatwave Triggers UK Transport and Infrastructure Strain as Heathrow Revises Passenger Forecast Downward
Ofgem Approves Sixteen Long-Duration Energy Storage Projects to Strengthen UK Grid Stability
Labour Government Faces Internal Tensions Over Cabinet Decisions and Net Zero Policy Direction
British Food and Drink Exports Fall to Decade Low Amid Trade Friction and US Tariffs
Great Britain Grid Operator Spends £10 Million to Stabilize Electricity Supply During Heatwave Demand Surge
UK Parliament Committee Calls for Urgent National Adaptation Strategy as Extreme Heat Strains Public Infrastructure
Record-Breaking Heatwave Pushes England’s National Health Service to Critical Incident Status as Hospitals Struggle With Surge in Emergencies
UK Government Launches Review of Voluntary National Insurance Contributions System
UK Planning Inspectorate Reports Key Infrastructure and Planning Milestones in Annual Review
UK Government Reviews Travel Expense Reimbursement Rates for Employers and Employees
Civil Nuclear Constabulary Launches National Digital Memorial for Officers Killed in Service
UK and US Expand Collaboration on Nuclear Fusion Research and Workforce Exchange
Environment Agency Secures £275,000 Enforcement Deal with Anglian Water Over Permit Breaches
Independent Inspector Flags Ongoing Failures in UK Home Office Border Case Management
UK Government Considers Zero VAT Rate on Land for Social Housing Development
Bank of England Reports Sharp Drop in Emissions and Warns on Climate-Driven Financial Risk
Consumer Confidence in the UK Falls at Fastest Quarterly Rate Since 2022
UK Borrowing Costs Rise Sharply on Gilt Markets Amid Fiscal and Political Concerns
UK Government Plans Legislation to Bring British Steel into Public Ownership
UK Government Secures £210 Million Nuclear Fuel Deal to Support Ukraine Energy Security
London Ambulance Service Reports Record Emergency Call Volume Amid Severe Heatwave
United Kingdom Faces Record June Heatwave as Temperatures Hit 36.7°C in Somerset
UK Financial Services Reform Debate Intensifies Over Ministerial Regulatory Powers
UK Energy Price Cap Rise Expected to Keep Inflation Above Target Through 2026
UK Biohacking and AI Wellness Trends Drive Surge in Personal Health Monitoring
×