How to Apply for Council Tax Reduction

Struggling to pay Council Tax? Learn how to apply for Council Tax Reduction (CTR), eligibility rules, backdating, and what to do if you disagree with a decision.

Council Tax Reduction (CTR), also known as Council Tax Support, helps low-income households reduce their Council Tax bill. Each local council runs its own CTR scheme, so eligibility and discounts vary depending on where you live.

This guide covers who qualifies, how to apply, backdating rules, sending evidence, what happens if you provide incorrect details, and how to challenge a decision.

Check Which CTR Rules Apply

Each council sets its own rules for CTR, so eligibility and discount amounts vary by area. However, most councils consider:

  • Your income and savings

  • Household circumstances (e.g., children, disabilities, benefits received)

  • Your Council Tax band and local scheme

To check the CTR rules in your area, visit GOV.UK’s local council finder.

Check When to Apply for CTR

  • You can apply at any time if you are struggling to pay Council Tax.

  • Apply as soon as possible – The earlier you apply, the sooner your discount will start.

  • You may be able to backdate your claim if you missed applying earlier (see below).

Check How to Apply for CTR

To apply for Council Tax Reduction, follow these steps:

  • Find your local council's application page – Use GOV.UK’s local council search.

  • Fill in the online application form – Provide details about your household, income, savings, and benefits.

  • Submit supporting evidence (see below).

  • Wait for a decision – Your council will process your application and confirm your discount.

If you can’t apply online, contact your council to request a paper form or phone application.

Check If You Can Backdate Your CTR

  • Some councils allow you to backdate your claim if you were eligible but didn’t apply.

  • The maximum backdate period is usually three to six months, but some councils may extend this.

  • You must provide a good reason for why you didn’t apply earlier, such as:

  1. Illness or hospitalisation.

  2. A major life event (bereavement, relationship breakdown, etc.).

  3. Lack of awareness of eligibility.

To request backdating, include a written statement explaining your circumstances when you apply.

Sending Evidence With Your Application

Your council may ask for supporting evidence, such as:

  • Proof of identity (passport, driving licence).

  • Proof of address (utility bill, tenancy agreement).

  • Bank statements (showing savings and income).

  • Payslips or benefit award letters.

To speed up your application, submit all documents as soon as possible.

If You Put the Wrong Information on Your Application Form

  • Accidentally gave incorrect details? Contact your council immediately to correct it.

  • Intentionally providing false information? This is fraud and can result in:

  1. Repaying the discount.

  2. Fines or prosecution.

Always ensure your income and household details are accurate when applying.

Getting the Council’s Decision

Councils usually process CTR applications within 4-6 weeks. You will receive a letter or email confirming:

  • How much your Council Tax is reduced by.

  • When the discount starts.

  • How to appeal if you disagree with the decision.

If your circumstances change (e.g., new job, benefits stop, someone moves in), you must inform the council immediately.

If You Still Can’t Afford to Pay Your Council Tax

  • Apply for a discretionary reduction – Some councils offer extra support if you’re in severe financial hardship.

  • Set up a payment plan – Contact your council to spread payments over 12 months instead of 10.

  • Seek free debt advice – Organisations like Citizens Advice and StepChange can help with managing payments.

If You Disagree With a Decision About CTR or a Discretionary Reduction

If you think your CTR award is too low or you were refused a reduction, you can:

  • Ask your council to reconsider – Submit a written appeal explaining why you think the decision is wrong.

  • Provide additional evidence – Show proof of your income, bills, or financial situation.

  • Request a formal appeal if necessary.

If the council still refuses to change their decision, you can escalate your appeal.

Appealing to the Valuation Tribunal

If your council rejects your appeal, you can take your case to the Valuation Tribunal for England (VTE).

  • The tribunal is independent and will review your case fairly.

  • You must submit your appeal within two months of the council’s final decision.

  • The tribunal will decide whether your Council Tax Reduction should be changed.

To start an appeal, visit Valuation Tribunal Service.

Final Thoughts

  • Council Tax Reduction (CTR) helps low-income households lower their bills.

  • Each council has different eligibility rules, so check your local council’s website.

  • You may be able to backdate your claim if you were eligible but didn’t apply earlier.

  • If you disagree with a decision, you can appeal to your council and the Valuation Tribunal.

To apply for CTR in your area, visit GOV.UK’s local council search.