Council tax is a local tax to help pay for local services. These services include police and fire services, upkeep of local roads and street lighting, drainage, etc

The amount of council tax you pay in is graded, dependent on the value of your home. The value of your home is set based on the capital value of your property at 1 April 1991.

The amount of council tax you have to pay depends on which of the eight valuation bands your home is in. The higher value the home, the greater your council tax bill will be.

The bands are set out on the website run by the Borough in which you live in. The exact amount you pay will vary parish by parish because of changes in parish precepts, etc.

Your property’s current banding is detailed on your council tax bill but if you want to check the council tax property band you can check it on the Valuation Office Agency website.

There are various exemptions that apply to council tax. They are;

  • Vacant property - Properties that are unoccupied and unfurnished will receive a 100% exemption for a maximum period of one month. Properties that are unoccupied and unfurnished for two years or more will be charged an additional 50% on top of the full council tax. There is no reduction for properties that are unoccupied and furnished.
  • Occupied property - where all occupiers are under 18, or full-time students, or members of the armed forces, or severely mentally impaired. Elderly relatives living in an annexe are also exempt.
  • Local exemptions - From the 1st of April 2004 there is a 100% exemption from council tax for up to 12 months for any property which has become uninhabitable because of a natural disaster and which needs major building or remedial repairs to make it livable again.

If you are the single occupier of a property then you are currently entitled to a 25% reduction in your council tax bill. If you are a tenant on a limited income you may be entitled to help towards paying your annual council tax bill. Council tax support is means-tested, which means it is calculated by taking into account your income, capital and household circumstances.

For full details of what support you may be entitled to visit your borough's website.

Related articles:

Download our Free First Time Buyers Guide

Recent posts

Deals of week web larger

Here are the lowest fixed mortgage rates of the week, available to first-time buyers, home movers, buy-to-let, and those remortgaging.

Call us for more information: 01628 507477 or email: team@mortgagerequired.com.

Nationwide Electronic Signature   Web Larger

Nationwide is the first lender to allow mortgage deeds to be signed electronically and without the need for a witness.

Santander 98 Percent   Web Larger

‘My First Mortgage’ from major high-street lender Santander is specifically for those wanting to buy their first property. It allows first-time buyers to purchase 98% of the property’s value. However, certain criteria must be met to be eligible.

Team MR Y Not PR   Web Larger

Maidenhead, Berkshire – 26th January 2026 – Dedicated independent mortgage experts, Mortgage Required, are delighted to have acquired fellow experienced brokerage, Y-Not Finance.

The acquisition connects two well-respected brokerages, both with a wealth of experience and shared values, to continue providing the best advice on all aspects of the mortgage market.

Ground Rents 250   Web Larger

As part of the UK government’s plans to change the leasehold system to help families struggling with unaffordable ground rent costs.

The Prime Minister announced this morning (27 January) that ground rents will be capped at £250 per year, reverting to a peppercorn rate after 40 years.

Five Common Reasons Additional Borrowing   Web Larger

Additional borrowing, also known as a further advance, is when you borrow more money on your existing mortgage for a specific reason agreed with your lender.

Here are five of the most common reasons for additional borrowing. 

2025 Round Up   Web Larger

Property search site Zoopla has estimated that the UK housing market will end 2025 with approximately 1.15 million completed sales – 4.5% more than the previous year.

Take a look at the 2025 summary of the UK housing market.

New Home   Web Larger

If buying your first property, or moving home, is on your to-do list this year, the new year can be a great time to take this big step. In this short blog, we look at what you need to consider as you plan and prepare for your home-buying journey.