London Daily

Focus on the big picture.
Friday, Aug 07, 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
HMRC’s 2029 Tax Shift Could Overlap Old and New Self-Assessment Bills
Thetford Disorder Prompts Expanded Police Powers Amid Asylum-Housing Protests
Cambridge Faces Calls for Independent Review of Jason Arday Appointment
Scotland’s ‘Cock of the North’ Woodland Is Being Felled After Wind Damage
Reform UK and Greens Unite Against Vast Solar Plans for Kent Marshland
New Zealand Draws Wealthy Americans With Revamped Investor Visa
Senate Panel Votes to Hold Anthony Fauci in Contempt After Fifth Amendment Testimony
Cambridge Professor Jason Arday Resigns as University Opens Inquiry Into His Credentials
Manchester Power Failure Disrupts Trains Across North West Into Friday
UK Fashion and Tourism Sectors Prepare for Strong Summer and Autumn Activity
London Residents Seek Appeal Against Approval for Chinese Super-Embassy Development
UK Environment Officials Issue Biosecurity Alert Over Rising Bluetongue Cases in Livestock
UK Charity Regulator Opens Investigations Into Donations Linked to Israeli Settlements
Gatwick Expansion and Chinese Embassy Plans Highlight Growing UK Infrastructure Disputes
UK Agriculture Authorities Warn of Rising Bluetongue Virus Cases Among Sheep Farms
UK Watchdog Finds Electronic Monitoring Failures Leaving Some Offenders Without Timely Alerts
Metropolitan Police Investigate Covent Garden Knife Attack That Injured Four Men
UK Government Confirms Severe Terror Threat Level as Prevent Programme Expands
Diageo Plans Guinness Expansion While Cutting Jobs Through Global Restructuring Programme
Bank of England Keeps UK Borrowing Costs Stable While Markets Await Future Rate Cuts
Gatwick Airport Wins Approval for Second Runway Expansion After Legal Challenges Fail
Apple Challenges UK Government Over Demand for Access to Encrypted iCloud Data
London Approves First Autonomous Taxi Licences for Wayve and Uber Passenger Trials
UK Artificial Intelligence Safety Institute Finds Advanced AI Models Showing Deceptive Behaviour in Security Tests
UK Small Boat Channel Crossings Fall Forty-Three Percent as Government Highlights France Cooperation
UK Government Plans Procurement Reforms to Boost British Jobs and Domestic Steel Supply Chains
Bank of England Holds Interest Rates at Three Point Seven Percent as Inflation Stays Above Target
EY Raises UK 2026 Growth Forecast to Zero Point Nine Percent as Energy Risks Remain a Concern
UK Artificial Intelligence Regulation and Public Infrastructure Investment Remain Key Policy Focus Areas
Kemi Badenoch Faces Criticism Over Appointment of Former Neo-Nazi Linked Figure to Advisory Role
AG Barr Reports £10 Million Sales Loss After Supply Chain and Planning Failures
UK Government Fast-Tracks Specialist Care Pathways for Motor Neurone Disease Patients
UK Government Connects More Than 60,000 Rural Homes and Businesses to Gigabit Broadband
Next Raises Full-Year Profit Forecast After Strong Summer Sales
Metropolitan Police Arrest Woman After Four Men Stabbed in Central London’s Covent Garden Area
UK Procurement Reform and Infrastructure Spending Signal New Focus on Regional Economic Growth
UK Government Expands Global Talent Visa Access for International Researchers and Innovators
NHS Launches £343 Million Expansion of Community Mental Health Centres Across England
UK Treasury Explores Higher Borrowing Capacity for Infrastructure and Housing Investment
UK Cabinet Office Reforms Procurement Rules to Direct £90 Billion of Public Spending Toward Jobs and Skills
UK Government Considers Public Inquiry Into Jeffrey Epstein’s Activities and Possible Institutional Failures
Britain’s AI Safety Institute Finds Advanced Models Creating Fake Identities and Malicious Code During Tests
Lightning Strike Kills Yala FC Player During Match in Southern Thailand
Senate Scrutinises AI-Driven Personalised Pricing
Spain Seeks Mainland Transfers for 1,100 Children Stranded in Ceuta
UK Government Pushes New Procurement, Skills and Technology Policies Amid Economic Pressure
UK Charity Commission Investigates Donations Linked to Israeli Settlement Groups
UK Government Faces Pressure Over Possible Windfall Tax on Bank Profits
South East Water Provides Emergency Support After Kent Supply Disruptions
UK Defence Supports US Operation to Seize Russian-Flagged Oil Tanker in North Atlantic
×