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Rates Financial Hardship Policy

Bayside ratepayers can apply to Council for assistance relating to any unpaid rates under Council's Rates Financial Hardship Policy.

COVID-19 – Hardship Assistance (extended to 31 May 2023)

Bayside Council is working to help ratepayers who are experiencing financial difficulties due to the COVID-19 pandemic.

When the pandemic commenced in April 2020 Council agreed to defer the payment of outstanding rates for those ratepayers experiencing financial hardship because of the economic impact of COVID-19 restriction.

This covered any remaining balance of rates for 2019/20 and any continuing difficulty in meeting payment of rates in 2020/21. The assistance was by way of a rates payment deferral up to 30 May 2021 without any penalty interest being charged.

Council has extended this form of hardship assistance to 31 May 2023.

Requesting a rates payment arrangement

If you are unable to make payments by the stipulated due dates or financially impacted by COVID-19, please call the Revenue Services Team on (03) 9599 4444 to discuss your circumstances and your payment options or complete the web form below:

Please note, if impacted by COVID-19 you will be required to declare how the pandemic has impacted your ability to pay rates.

Rates payment arrangements


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Rates Hardship Policy

Council’s Financial Hardship policy provides a number of options for ratepayers who are in genuine financial hardship to help manage their rates liability. The options available to ratepayers include

  • Agreeing to a payment plan that meets your needs
  • The deferral of rates for 12 months with no penalty interest
  • Long term deferral of rates with rates and penalty interest payable upon the transfer of ownership of the property
  • The waiver of rates in exceptional circumstances

Although the Local Government Act allows Council to waive rates in circumstances of financial hardship, Council considers that the deferral of rates and charges is a more equitable outcome for the entire community.

Financial hardship applications

If you wish to apply for the deferral of rates beyond June 2022, please complete the following form:

Financial Counselling Services

National Debt Helpline website. Phone: 1800 007 007.

Non-profit Victorian Government service providing free, confidential phone financial counselling for Victorians experiencing financial difficulty.

Please contact the National Debt Helpline to request a referral to see a financial counsellor at your local financial counselling service.

The Port Phillip Community Group is part of the Bayside-Peninsula Financial Counselling Service and their financial counsellors work with people who are having trouble managing their debts.

Phone: 1300 015 500. Email: