Looks like my hopes have been dashed!!

[tinytigers]

Looks like I may have to stop all this before I have even started.

I have just phoned my mortgage lenders to check that I can do childminding from home (it says on ofsted and ncma website to check) and they have said that my home can only be used for residential purposes only.

We are in the middle of a 5 year fixed rate so I know that it would cost us a fortune to change it elsewhere.

[miffy]

Oh that sounds a bit harsh - what reason did they give?

I wouldn't accept it verbally I'd make a written request and see what happens

Miffy xx

[tinytigers]

They have said that its written in the mortgage offer that the property can only be used for residential purposes.

[custardcream]

whoops!!, I have never even thought to check with my mortgage lender, you have got me worried now, still i suppose its a bit late anyway as I have been minding for years.

Is this a new thing or have i just over looked this?

[tinytigers]

It was just something I saw on one of the sites. NCMA I think not Ofsted. I am just wondering what would have happened if I had "forgot" to ring the mortgage company. My house insurance company have no problem with it they are not even going to charge extra. The same for car insurance so what is the problem?

[littletreasures]

I never checked with my mortgage lender, but I've been minding for 18 years, perhaps it is a new thing!!?!

Jules

[custardcream]

I am glad I am not the only one. lol

[miffy]

That's terrible because the mortgage company would never ever check this would they.

So presumably you've signed to say the property will only be used for residential purposes - would they consider amending this say to specifically allow you to childmind but no other business and if not why not.

Unless you want to give up on childminding then you need some advice on how to get the mortgage company to change it's mind.

Think you should name and shame them too

Miffy xx

[ma7ie]

I haven't checked either.

Still, what they don't know won't hurt.

Marie x

[tinytigers]

Here it is: Its in standard 4 of the Ofsted bits.

Planning and building requirements (4.2)
Before seeking registration, it is wise to obtain permission from anyone who may have an interest
in what happens on your premises, such as a landlord, housing association, lessee, commanding
officer (armed forces), or building society. You may also want to check your deeds to make sure
you can run a childminding business from your property.
Rules about planning permission vary from area to area. It is important that you check

It does only say wise to obtain permission. I wonder if they would check up now I have made a phone call or keep it on record. Its got me worried now.

[Trouble]

i havent checked either, as long as we look after our houses i cant see the problem

[deeb66]

It has always been advised that you check with mortgage lender, council (if council tenant) or landlord......it was certainly recommended to me when I registered.

I do remember quite a few years ago there was an issue with this because 99% of mortgage lenders do state that you cannot run a business from the home.

It all got resolved in the end because the lenders realised that although we did have a business it wasn't quite the same as running a beauty salon, dentise, vet surgery etc etc from home and a majority waivered and let us mind from home.

When you have called you have probably just got hold of someone who just heard you say 'self employed' and 'working at home' and they have immediately thought NO without considering or looking into it further.

The way I see it is that you have 2 choices - contact them again, speak to someone with experience and explain what it is you are wanting to do from the home and see what they say or to just ignore what they have said and plead ignorance.

I am not recommending what to do that is obviously up to you decide.

[charleyfarley]

We've just changed our mortgage lender and I had to put down my occupation as childminder, obviously not a problem to them as it wasn't refused.

Thought you could do what you want in your own house, within reason of course

I'd try them again

Carol xx

[custardcream]

Thinking about it now I also had to put down my occupation so they obviously werent bothered about it. (hopefully)

[LittleMissSparkles]

I didnt check and we are on a 5 year fixed rate...... oh well too late now what they dont know doesnt hurt them ....


xxx

[Lou]

I havent actually asked if its ok either, but like carol we changed mortage lenders a year or so ago, and i put my occupation as childminder.

Sounds a bit silly to me, what they dnt know wont hurt them!!!

[ajs]

like charley farley we've just remortgaged and i was declared as a self employed childminder

i would write to them and ask what the problem is with minding as it's only like having your own child/ren in the house.

when i renewed my car insurance one company (sheilas wheels i think)asked if i had children and when i replied yes they put my premium up £50 they said it's because children are a distraction, when i asked why the same insurance company currently insure me with another broker and charge me considerably less they said it's because i must have lied to them about having children.

i am insured with layton blackham a specialist covering childminders do you think they assume as i am a childminder i don't carry children in the car.

[LittleMissSparkles]

like charley farley we've just remortgaged and i was declared as a self employed childminder

i would write to them and ask what the problem is with minding as it's only like having your own child/ren in the house.

when i renewed my car insurance one company (sheilas wheels i think)asked if i had children and when i replied yes they put my premium up £50 they said it's because children are a distraction, when i asked why the same insurance company currently insure me with another broker and charge me considerably less they said it's because i must have lied to them about having children.

i am insured with layton blackham a specialist covering childminders do you think they assume as i am a childminder i don't carry children in the car.

I would have bben fuming if they called me a lier


HAVE TO GO WESTLIFE ON ALAN TITCHMARSH !!!!!!!!!!!!!!!!!!!!!

[tinytigers]

Hello again

This is really playing on my mind and I am scared to ring the mortgage company again incase they say no but am also scared to carry on and pretend I hadnt called them in case I get into trouble. lol

I have just found another site that says this:

Do you need planning permission?
Many people who operate as childminders don’t need permission. It will depend on how many children in total are being cared for and the size of the dwelling. If you have no more than 6 children (including any of your own) then permission will not be required. If more than this number, whatever their ages, will be looked after or if another adult will be working with you, then you may require permission. If permission is needed, it will be important to assess the likely impact on neighbouring residents in terms of noise and disturbance from vehicles and the children in deciding whether the numbers proposed are acceptable in that location

Is planning permission the same as asking permission from your lender? As I am wondering if you only need permission from your lender if you are intending on having more than 6 children.

Sorry to go on but its playing on my mind a bit.

[littlesprogs]

planning permission is granted by the council so i think its totally different from your mortgage lender sorry.

I really would try ringing them again i'm sure someone on here was having the same problem but when they explained it was childminding they were fine with it coz its only the same as having 6 kids of your own in the house