London Daily

Focus on the big picture.
Tuesday, Jun 30, 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
UK Crime and Policing Act 2026 Comes into Force with New Justice System Reforms
UK Prime Minister Hosts NATO Secretary General Mark Rutte for Security Talks at Downing Street
UK Tightens Oversight of Emissions Trading Scheme Through New Ministerial Directions
UK Issues Statement at UN Security Council on Violence in the West Bank
UK Environment Agency Clears Illegal Waste Site in West Yorkshire After Court Action
UK Resident Sentenced for Fraudulently Claiming £30,000 in Covid Business Loans
UK Launches Taskforce to Help Young People Claim Dormant Child Trust Fund Savings
UK Gambling Commission Fines Betfred Operator Petfre Gibraltar £900,000 Over Social Responsibility Failures
UK Appoints Lord Collins as Global Envoy for LGBT+ Rights
UK Expands Detention Capacity to Support Removal of Foreign Criminals and Failed Asylum Seekers
UK Resident Doctors End Strike Action After Accepting Government Pay Deal
UK Tightens Sentencing for Domestic Killings with 25-Year Starting Point for Murder of Partners
UK to Build at Least Six New Royal Navy Warships Under Expanded Defence Programme
UK Government Unveils £5 Billion Defence Investment Plan Focused on Drones and Autonomous Warfare Systems
UK Economy Records 0.6% First Quarter Growth as Services and Manufacturing Drive Steady Expansion
Welsh Government Unveils New Agricultural Support Plan Focused on Sustainability and Rural Growth
UK Teacher Recruitment Shortfalls Continue in Science and STEM Subjects
Police Scotland Expands Cybercrime Investigations Amid Rising Digital Fraud
UK Universities Warn of Risk to International Student Numbers Amid Visa Changes
UK Defence Ministry Pivots Toward Greater Domestic Military Procurement
UK Launches National Rail Review After Repeated Service Disruptions
Northern Ireland Assembly Debates Long-Term Funding Settlement for Public Services
UK Accelerates Approval of North Sea Offshore Wind Projects to Expand Energy Capacity
UK Retail Sales Fall as Households Cut Discretionary Spending in June
UK Expands Border Intelligence Cooperation with France and Belgium to Target Smuggling Networks
Scottish Government Faces Pressure Over Delays in Major Infrastructure and Transport Projects
UK Launches Multi-Billion-Pound Artificial Intelligence Infrastructure Investment Fund
National Health Service Warns of Continued Emergency Department Strain Across England
Bank of England Signals Interest Rate Hold as Wage Growth Keeps Inflation Elevated
UK Sets Emergency Fiscal Strategy as Inflation Pressures and Weak Manufacturing Growth Persist
UK Launches New Measures to Improve Safety Standards in Night-Time Venues
UK Tightens Import Rules for Low-Value Parcels to Support Domestic Retailers
UK Launches £85 Million Obesity Care Programme Targeting Early Intervention Projects
UK Commits Up to $26 Million to Ebola Response in Democratic Republic of Congo
Security Industry Authority Flags Safety Failures in Night-Time Economy Inspections
Cambridge South Railway Station Opens After £250 Million Investment
UK Moves to Close Import Duty Loophole for Small Parcels by 2028
UK Invests £85 Million in Projects to Transform Obesity Care
Berkeley Group Warns London Housebuilding Falling Far Short of Demand
UK Council Tax Arrears Rise to £9.3 Billion Amid Ongoing Household Financial Strain
Markets Watch Political Transition as Andy Burnham Emerges as Labour Leadership Frontrunner
Extreme Heat Raises Long-Term Risks for UK Inflation and Productivity, Analysts Warn
UK Health Alerts Extended as Record June Heatwave Grips England
UK Parliament Faces High-Stakes Week of Spending, Security and Industrial Legislation
UK Repeals Vagrancy Act Ending Criminalisation of Rough Sleeping in England and Wales
GB News Pundit Charged With Fraud Over Alleged Conduct as Former Labour Adviser
Reform UK Gains Parliamentary Visibility in First Senedd Opposition Appearance
Metropolitan Police Arrest Man on Suspicion of Attempted Murder After London Car Incident
Ocado Chief Executive Tim Steiner Faces Scrutiny Over £100 Million Remuneration Package
British Chambers of Commerce Downgrades UK Growth Outlook to 0.9 Percent for 2026
×