Straight answers about business rates
Trust and privacy first, the rating-law detail further down for anyone who wants it. Every answer opens with the short version.
What are business rates?
A tax on non-domestic property. Your council works out the bill from a valuation set centrally, not from the rent you actually pay.
Read onHow is a Rateable Value calculated?
Retail is valued zone by zone: the frontage (Zone A) carries the full £/m² rate, halving back through B and C.
Read onRateable Value vs your bill
The Rateable Value isn't your bill. Your council multiplies it by the government's rate, then applies your reliefs.
Read onHow the Check works
What do you need from me to run the Check?Just a postcode or address to look up the property — that’s it.
No email, no account or login, no bank or payment details, nothing sensitive. We don’t ask for anything beyond what’s needed to find and compare the property.
How does the free Check work, and how sure can I be of the result?We compare your rateable value against similar nearby properties to see if yours looks out of line, and tell you plainly how strong that comparison is — a clear match, worth a closer look, or not enough evidence yet to say.
It’s a starting point, not a verdict from HMRC.
If my valuation looks too high, what happens to any refund?Any reduced bill or backdated refund comes to you in full, directly from the council/HMRC — we don’t take a cut, and we’re not involved in the payment at all.
Formally challenging a valuation is a separate step you’d take yourself, under "How the rating process works" below.
Do I need to sign up to anything, or can I stop whenever I like?There’s nothing to sign up to and nothing to cancel — there’s no account and no commitment.
Run the Check, look at the result, and that’s entirely up to you to act on or not.
Your information
Do you collect or sell my data?Running the Check doesn’t require your email, an account, or any personal details — just the property you’re asking about.
We don’t sell data, and we don’t ask for more than we need. See our full Privacy Policy for exactly what the site collects (for example, basic technical/analytics information) and your rights over it.
How the rating process actually works
What’s the difference between my rateable value and my actual bill?Your rateable value (RV) is an estimate of what your property could rent for — it’s not your bill.
Your council multiplies that by a rate set by government (43.2p in the pound for a small business in 2026/27) and applies any reliefs you’re entitled to, and that gives you the bill. We check whether the RV itself looks too high — that’s the number worth challenging.
What is "Check, Challenge, Appeal" and how long does it take?It’s the official three-stage process for disputing a rateable value (Check, Challenge, Appeal), run by HMRC (which absorbed the Valuation Office’s functions in April 2026).
Realistically it can take several months at the Check stage, and over a year if it goes all the way to Challenge. During that time you’re mostly waiting on HMRC — we handle the paperwork and evidence, you’re not stuck filling in forms yourself.
What evidence actually wins a challenge?The strongest evidence is real rents agreed on genuinely comparable properties, a solid comparison against similar properties’ assessed values, and anything specific to your property that affects its value — poor access, disrepair, a change of use.
Vague comparisons or "it just feels too high" don’t carry weight with HMRC.
Why doesn’t HMRC/the VOA just confirm this for me?No public body proactively reviews every ratepayer’s bill for them — that’s exactly why a checking tool is useful.
We build our comparison from published rating data, but to be clear: HMRC doesn’t endorse or back any third-party site, including ours — nobody gets that badge, so its absence isn’t a red flag specific to us.
Risks & limits
Can my rates actually go up if I challenge my valuation?Occasionally, yes — this is the one thing people are most surprised by.
Asking HMRC to look again at your valuation means they could decide it was too low, not too high, and raise it. This only happens if you go past the free Check into a formal Challenge, and we won’t push you into that step if the evidence isn’t strong enough to be confident — we’ll tell you plainly beforehand.
If you say I’m "likely overpaid," is a reduction guaranteed?No — and be wary of anyone who tells you it is.
Our Check gives you an evidenced starting point, but the final decision sits with HMRC and depends on the specific evidence for your property. It’s "worth investigating properly," not "certain to succeed."
I already pay £0 after Small Business Rate Relief — is there any point checking?If Small Business Rate Relief already takes your bill to zero, there’s nothing left to reclaim — you can’t go below £0.
It can still be worth confirming your RV is accurate for the future, since relief can taper or your circumstances can change, but don’t expect a refund from a Check in this situation.
Is this regulated financial or legal advice?No — it’s evidence, not advice.
Think of it as a data-based comparison that flags when your valuation is worth a closer look, not a legal opinion. If your case is strong enough to pursue formally, you can choose to have us help with the HMRC Check, or be introduced to an independent RICS-qualified chartered surveyor for a more complex Challenge — that’s a separate step you’d knowingly agree to, never something that happens automatically.
What we can and can't check
Why can’t I see information on pubs, bars, hotels, gyms, cinemas and arenas?Properties like these — pubs, bars, hotels, gyms, cinemas and arenas — aren’t valued the same way as a shop or an office.
Instead of floor area and a £/m² comparison, the VOA values them on receipts and expenditure: broadly, what the business could reasonably be expected to turn over, worked back to a rateable value. That’s a different SCat (property-type) category, and there’s no consistent £/m² comparable to check it against — so our free Check can’t give you a reliable "in line with the market or not" result for these property types the way it can for a shop or office. Rather than show you a comparison that would be misleading, we flag these as not yet checkable. If you run one through the Check, this is why you won’t see the usual comparison — the right next step for this type of property is a surveyor experienced in licensed or leisure valuations, who can review the actual trade figures behind the assessment.
I’m outside England — can you help?Not yet — we currently cover England only.
Wales, Scotland and Northern Ireland run separate rating systems, so a comparison built on English rating-list data wouldn’t apply to a property there.
Glossary
Every term used across the site, defined in plain English — Rateable Value, Zone A, SCat, the multiplier, Check, Challenge, Appeal, Small Business Rate Relief.
Open the glossaryAll FAQs
The full, searchable index — including the narrower questions that don’t belong on this page, and anything we’re asked often enough to answer publicly.
Browse all FAQsCheck your business rate valuation
Free, and you’ll see the evidence before you decide anything.
General information, not financial or legal advice. Acting on a report is a separate, formal step we don’t take for you: formally challenging a Rateable Value means going through the VOA/HMRC’s own Check and Challenge process, with its own rules and deadlines, and your report doesn’t begin any formal process or pause any deadline. Independent service — not endorsed by the VOA or HMRC. England only; Wales, Scotland and Northern Ireland run separate rating systems.