Mortgage repossession or bankruptcy
What you need to know
Reductions for repossessed properties
A property that's unoccupied because it's been repossessed by a mortgage lender is exempt from council tax. This means you do not have to pay council tax for the property.
Properties that are unoccupied due to personal bankruptcy
A property is exempt from council tax if it is unoccupied because the person who must pay council tax has been made bankrupt. The liability for their debt has passed to a trustee in bankruptcy. This means you don't have to pay council tax for the property.
How to apply
- log in to your MyGuildford account (opens new window)
- click the 'council tax and benefits' tile
- select 'continue' on the 'view other services' page
- select 'council tax' on the 'your services' page
- on your account summary page, find the list of quick links
- if you're using a computer or laptop these will be on the right-hand side of the screen
- if you're using a mobile device, click 'quick links
- in the list of quick links find 'apply for or cancel an exemption' link.
- Select which exemption you are applying for and fill in the form. You'll need to:
- tell us the date the property became unoccupied
- upload a photo of a document that confirms:
- the date of the repossession from your lender, or
- the bankruptcy order.
Tell us about a change
You can tell us about a change online through your MyGuildford account.
You'll need to:
- log in to your MyGuildford account (opens new window)
- click the 'council tax and benefits' tile
- select 'continue' on the 'view other services' page
- select 'council tax' on the 'your services' page
- on your account summary page, find the list of quick links
- if you're using a computer or laptop these will be on the right-hand side of the screen
- if you're using a mobile device, click 'quick links'
- In the list of quick links find 'apply for or cancel an exemption' link.
- Follow the steps on the form. We'll need to know the date of the change.
What happens next?
We'll update your council tax account and issue you with a new bill.