poppet2 Posted July 10, 2012 Share Posted July 10, 2012 If you purchase one of those huge garden sheds to run a business from, would you still require permission from the mortgagee to run the business on the premises, even though you are not effectively running the business from the bricks and mortar of the house? Link to comment Share on other sites More sharing options...
Jeffrey Shaw Posted July 10, 2012 Share Posted July 10, 2012 Yes- because what you mortgaged is the full extent of what you own, i.e. not just the house. PLUS you might also be invalidating your property's insurance policy. So do it properly and ask for consent from mortgagee [lender] and insurer; you know that it makes sense. Link to comment Share on other sites More sharing options...
jgharston Posted July 15, 2012 Share Posted July 15, 2012 Also, there's a difference between running a business from your home and operating a business from your home. For example, an electrician my be running a business from there home - storing tools and materials, doing admin, contacting customers and suppliers - but operating elsewhere - in customers' homes, etc. But, for example, a car mechanic or computer repairer will be both running and operating his business from home if he takes the cars or computers home to work on them. Link to comment Share on other sites More sharing options...
Jeffrey Shaw Posted July 15, 2012 Share Posted July 15, 2012 Yes, that's a difference; but it all turns on what the mortgage conditions prohibit/restrict. Link to comment Share on other sites More sharing options...
poppet2 Posted July 19, 2012 Author Share Posted July 19, 2012 Also, there's a difference between running a business from your home and operating a business from your home. For example, an electrician my be running a business from there home - storing tools and materials, doing admin, contacting customers and suppliers - but operating elsewhere - in customers' homes, etc. But, for example, a car mechanic or computer repairer will be both running and operating his business from home if he takes the cars or computers home to work on them. Your post has just reminded me of another point. Our neighbourhood is currently suffering noise from a carpenter who is cutting wood in his garden all day, every day, which he then delivers to his customers. His work/business has spoilt the residential peace and quiet of the entire neighbourhood. Link to comment Share on other sites More sharing options...
Jeffrey Shaw Posted July 19, 2012 Share Posted July 19, 2012 Options include a complaint to the Local Planning Authority re apparent change of use. Link to comment Share on other sites More sharing options...
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