property to be used as childcare

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    property to be used as childcare

    Hello, we are landlords of a terraced house with a garden. Recently our tenants requested our permission to utilise the ground floor room as child care and run it as a small business.
    I would be grateful for any information and potential issues for us as landlords. We still pay mortgage and our insurance doesn't cover business use. Our concern is mostly the safety, because we feel that the property is designed for single family use and not a public access facility. The tenants are very good and they look after the place very well but we don't feel comfortable to allow this new change in the usage of our house. Any advice would be greatly appreciated.

    #2
    Your mortgage will not cover business use either, and you would almost certainly need planning permission for a change of use.

    Plus as you say there are all the safety issues to consider, especially with small children involved.

    You have to refuse their request.
    Point out that the planning regs. and your insurance and mortgage rules do not allow it.

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      #3
      Say no. This will affect you mortgage and your insurance, you may have to pay business rates, it may be in breach of any covenant on the property, the tenants could try to claim they have a commercial lease, not a regular domestic tenancy, the neighbours may complain to the Council....

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        #4
        Don't forget the current pandemic.

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          #5
          As above....... i also wonder if they would be declaring this ' extra ' income to the HMRC ??? I wonder

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            #6
            When did you last inspect? Wouldn't be surprised to find they are already doing it.

            Call me cynical ....
            I am legally unqualified: If you need to rely on advice check it with a suitable authority - eg a solicitor specialising in landlord/tenant law...

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              #7
              Thank you all for your feedback and advise, we have already written to our tenants and they seem to understand our point of view.

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                #8
                Also you will find the tenants will need planning consent - a room in a small terraced house is unlikely to succeed. Extra toilets and other things have to be put in.



                Freedom at the point of zero............

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                  #9
                  it depends on the size, but use of the home for an office or childminding is specifically mentioned in planning permission guidance.

                  “Homeworking does not necessarily require planning permission. Permission is not normally required where the use of part of a dwelling house for business purposes does not change the overall character of the property’s use as a single dwelling. For instance, the use by a householder of a room as an office or child minding complying with the Department of Health’s standard recommended ratios, would be unlikely to mean that the character of the house’s use as a single dwelling had ceased and would not normally require planning permission

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