London Daily

Focus on the big picture.
Sunday, Sep 20, 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
Addison Lee Founder Loses £20 Million UK Tax Tribunal Case
BrewDog Creditors Face Losses on About £190 Million of Debt
Harrods Seeks to Recover Abuse Compensation Costs From Mohamed Al Fayed’s Estate
Ed Davey Targets Reform UK as Liberal Democrat Conference Opens
Great Britain Retail Sales Rise 0.5% in August
NHS England Approves Life-Extending Treatment for Incurable Breast Cancer
Proposals to Limit NHS ADHD Diagnoses Draw Criticism From Patient Groups
Resolution Foundation Warns of Housing Cost Crunch for Low-Income UK Families
BBC Cash Reserves Fall to Decade Low as Annual Deficit Reaches £121 Million
Millisecond Software Error Triggered Major UK Air Traffic Control Disruption
Twenty Women Underwent Unnecessary Mastectomies During NHS Cancer Care
Sensitive UK Police Data Found Vulnerable to Access by Foreign Actors
British Steel Faces Renewed Pressure for a Long-Term Financial Plan
MPs Urge Government to End Thames Water Restructuring Talks With U.S. Hedge Funds
Andy Burnham Warns of Difficult UK Budget Choices as Inflation Returns to 3.1%
England Tightens School Food Standards With Restrictions on Deep-Fried and High-Sugar Foods
Oxfordshire Village Votes Symbolically to Leave UK Over Proposed Asylum Centre
Michael Marra Elected Leader of Scottish Labour
BBC Cash Reserves Fall Sharply as Financial Pressures Mount
George Osborne Calls for UK to Rejoin EU Customs Union
UK Explores Joining Canada-Led Global Defence Bank
Thirlwall Inquiry Highlights Management Failures Surrounding Lucy Letby Crimes
Parliamentary Committee Calls for New UK Law to Address AI Risks to Human Rights
UK Considers Giving Regional Mayors Greater Oversight of Water Companies
UK Opposition Presses Burnham for Stronger Response to Russian Security Threats
Reform UK Faces Scrutiny Over £72 Million in Donations as Political Finance Rules Tighten
Millisecond Software Failure Behind UK Air-Traffic Outage That Cancelled More Than 2,000 Flights
Bank of England Holds Interest Rate at 3.75% as Energy Prices Complicate Inflation Outlook
Burnham Warns of Difficult Choices in October Budget as UK Inflation Rises to 3.1%
Addison Lee Founder Loses £20.5 Million Non-Domicile Tax Case
BrewDog Creditors Face Heavy Losses After Collapse
Thirteenth Metropolitan Police Officer Dismissed Over Charing Cross Conduct
Oxfordshire Village Votes Symbolically to Leave UK Over Asylum Accommodation Plan
NHS Approves Life-Extending Treatment for Women With Incurable Breast Cancer
Software Defect Blamed for Major UK Air Traffic Disruption
Twenty Women Underwent Unnecessary Mastectomies at County Durham NHS Trust
British Steel Costs Taxpayers £1.3 Million a Day as MPs Demand Long-Term Plan
UK Parliament Advances Sovereign Grant Reform Setting Royal Funding at £99.9 Million
King Charles Urges Human-Centred Approach to Artificial Intelligence at Scotland Summit
House of Lords Begins Scrutiny of Voting-Age and Political Finance Reforms
UK Labour Market Shows Growing Divide Between Younger and Older Workers
Nearly Seven in 10 UK Small Businesses Delay or Cancel Growth Plans as Costs Rise
Andy Burnham Reaffirms UK Net-Zero Target Amid North Sea Energy Debate
UK Parliament Demands Credible Financial and Decarbonisation Plan for British Steel
MPs Urge Government to Reject Thames Water Rescue Deal and Prepare Special Administration
Bank of England Holds Rate at 3.75% as Energy Shock Raises Inflation Risks
TUC Calls for Social Energy Tariff Funded by Higher Taxes on Bank Profits
UK Parliament Enters Conference Recess After Advancing Sovereign Grant Legislation
King Charles Hosts Artificial Intelligence Leaders at Dumfries House Summit
Nearly Seven in Ten UK Small Businesses Delay or Cancel Growth Plans as Costs Rise
×