So interesting how different places do things so differently. Does your Council set rates for the year and divide payments quarterly? Our Council sets rates for the city on a formula based on it's budget and a formula that averages sale prices of residences in each specific district. While the sum is set for the year June - June, our payment options are limited to either pay lump sum in June, or an automatic withdrawal of 11 equal payments and an adjusted remaining balance in December. aThe majority of home owners who have a mortgage, have the tax sum managed by their mortgage holder and paid in June. It's a nice bonus for the mortgage holder when we imagine millions of client's tax sums available for investment until it's due in June.
Our rates are based partly on house value and part fixed costs for some services like trash removal. They send out quarterly bills or you can pay monthly by direct debit. I don't think you can pay it as part of your mortgage here.
There is a rebate you can apply for if your income is below a certain level. I'm just getting my documents together to do that.