Class L - Mortgage lenders in possession

If your home is vacant because the mortgage lender has taken possession of it, you do not have to pay council tax on it.

Exemption time limit

If the mortgage lender takes possession of an unoccupied property, no-one has to pay council tax on it until either the lender relinquishes possession or sells the property.

If the mortgage lender takes possession of the property while you are living in it, you, as the owner or occupier, will have to continue to pay council tax on it. Once the property is unoccupied, it will be exempt from council tax.

If the mortgage lender obtains a court order granting possession, but does not take possession immediately, the person in actual possession (normally the person who took out the loan) will still be to pay the full council tax, unless one of the other discounts or exemptions applies. This continues to be the case until the mortgage lender takes possession.

To apply for an exemption

To apply for a class L exemption, you need to provide:

  • The date the mortgage lender took possession
  • The name and address of the mortgage lender

Send your application to us, using the contact details on this page.

 
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Contacts

Council tax - billing and collection
localtax@rushmoor.gov.uk
Tel: 01252 398912
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