« Reply #45 on: Monday 28 June 21 12:46 BST (UK) »
Ref "working from home" :
Does the mortgage stipulate that your domestic premises can be used as an office? Usually a business morgage is more expensive. (I've been there, done that).
If you're using your home as an office then you should expect to pay business rates on your telephone and other utilities. Additionally what portion of the utilities has the company you work for stated they will pay?
How does that work if you are working from home but as an employee - you aren't actually running a business? According to articles I've read as long as you’re not altering your property considerably, such as adding an extra room to use for your business, your lender should agree to you continuing with your residential mortgage.
It is worth informing your insurance company though if you have expensive office equipment, although presumably if your employer has said you need it to work from home, they should have insured it.
I wonder if burglaries have gone down over the last year with fewer homes left unoccupied during the day?
I think the advent of computers has blurred the lines somewhat between what constitutes an official office.
Additionally there are far less Inland Revenue and Customs Offices in towns and cities around the UK these days, thus less local Tax Inspectors and VAT Inspectors to make visits..
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