A Guide to Empty Property Rates

Has your property been left unoccupied? This guide explains rates and reliefs for empty properties and how to protect your unoccupied home.

When is My Property Considered Unoccupied?

Your property is considered unoccupied if it’s been left vacant for 30 or more consecutive days. This applies to all empty properties, regardless of whether they've been left unoccupied due to impending sale or let, renovations, or probate.

Do I Pay Rates on an Empty Property?

You won’t pay any rates on empty properties for the first 3 months for residential properties (6 months if you’re selling a house during probate) or 6 months for industrial properties. Once the rate-free period ends, you will usually have to pay full business rates on your property.

Note that in Northern Ireland, standard property rates apply to all domestic properties with a rateable capital value of £20,000 or more (whether occupied or not). If the property’s capital value is assessed to be £150,000 or less, the landlord is responsible for paying the rates. If the property’s capital value is assessed to be more than £150,000, the tenant is responsible for paying the rates.


You may be exempt from paying business rates on your empty property if:

Unoccupied property rates, Towergate Insurance
  • Your property is registered for public religious use.

  • Your building or lands are used for agriculture, including fish farms.

  • Your property is used for training or the welfare of the disabled.

  • Your property has a rateable value less than £2,600.

  • You are prohibited by law from occupying the property.

  • You have been declared bankrupt.

  • Your unoccupied house is a new build built before 31 October 2016. New houses built before that date are exempt from property rates for up to 18 months up to state aid limits.

All exemptions are subject to strict legal requirements. You should appeal to the VOA if you think your empty property might apply.

Your Local Council

If your property becomes vacant, you should inform your local council. While you usually have to pay Council Tax on empty properties, you council may decide to give you a discount. However, the council can charge up to 50% extra Council Tax if your home has been unoccupied for two years or more.

Home Insurance on Empty Properties

Often times, standard home insurance doesn't cover your empty property due to increased risk. To remedy this, Towergate’s developed a number of flexible Unoccupied Home Insurance options to keep your vacant property safe.

Please visit our Complete Guide to Unoccupied Home Insurance for more information, or our Unoccupied Home Insurance Policy page for a free quote.

Mike Stephens FCII

Date: July 03, 2015

Category: Home and Property

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