Every situation is different, this is why we have both long-term and short-term hardship applications.
Hardship applications can include rates deferrals and payment arrangements (where payments are based on your ability to repay the amount). In extreme circumstances, we may assess an application for a partial or full rates waiver (section 171A, Local Government Act 2020).
Interest is not charged for the approved hardship period and will not accrue on approved short-term or long-term applications.
Who we can help
Whatever your circumstances, if you are experiencing financial hardship, we’ll help arrange a payment plan to suit you.
We cannot provide help if you are not honest about your circumstances, provide misleading information or are in debt because of fraud.
Investment properties are not eligible. If you own an investment property, an application for your primary residence will not be accepted.
How does the process work?
If you or your organisation are experiencing financial hardship, you can apply for deferral, payment arrangement and/or waiver of rates. The assessment takes 14 business days, and successful applications are effective for one year from the date of approval.
To assess your application, we need: financial records, medical certificates, income statements, tax returns or financial counsellor recommendations.
Apply for hardship
Apply for financial hardship or call us on 1300 653 356 to discuss your options.
Read our Financial Hardship Policy(PDF, 715KB).
Speak with a financial counsellor for free. Contact the National Debt Helpline on 1800 007 007.