Financial Hardship

Financial Counselling

If you are experiencing financial difficulties in paying your rates you can also speak with a financial counsellor at the National Debt Helpline on 1800 007 007.

 Financial counsellors offer free, independent and confidential services to help you get back on track and discuss your options for dealing with unmanageable debt

 This service and operates from 9:30am to 4:30 pm Monday to Friday. There are also more tools and resources available online on the National Debt Helpline website.

Our Financial Hardship Policy for Debtors

The City has a Financial Hardship Policy for Debtors where eligible ratepayers can apply for assistance. The  financial hardship policy  can provide support for people unable to pay their rates, this may include interest waiving or payment arrangement options.
If the City determines a ratepayer is in financial hardship, the eligible ratepayer will be offered a payment plan based on their application which will comprise of the following:

  • an extension in time to pay;
  • a payment plan; and
  • a suspension of interest charges and administration fees whilst a payment plan is in place.

To complete the financial hardship application, evidence of hardship is required and ratepayers are encouraged to provide any information about their circumstances that may be relevant for assessment. A flexible approach will be taken to a range of individual circumstances including, but not limited to, the following situations:

  • recent unemployment or under-employment
  • sickness or recovery from sickness
  • low income or loss of income
  • unanticipated circumstances such as caring for and supporting extended family.

If you wish to discuss your situation or if you have any questions, you can contact our Rates Team  on 08 9021 9654 or email

Quick Links

Financial Hardship for Debtors Application