Home Business and Working from Home Checklist

Check planning, mortgage or lease consent, business rates, insurance and tax before you run a business from home.

Editable Word document
8
10pages
Guidance notes included
aml consultancy solutions

Starting a business

Home Business and Working from Home Checklist

About this document

What it’s for

A practical checklist for anyone starting or running a business from their home. It covers the permissions you may need, the costs that can arise (business rates, insurance, capital gains tax), and how to claim the tax allowances for using your home, with worked examples for sole traders and company directors.

When to use it

  • Before you start trading from home, or when your home business grows (staff, visitors, deliveries, stock)
  • When you move house or remortgage
  • At the end of each tax year, when you work out your use-of-home claim

What’s inside

The document is laid out in the sections below. Each one comes with a plain-English guidance note explaining what it does and what to change.

  • Section 1 – About your home business
  • Section 2 – Planning permission
  • Section 3 – Mortgage lender, landlord and freeholder consent
  • Section 4 – Business rates and council tax
  • Section 5 – Insurance
  • Section 7 – Tax allowances for using your home
  • 7.1 Sole traders and partners: choose a method
  • 7.2 Worked example – sole trader
  • 7.3 Limited company directors and employees
  • Section 8 – Capital gains tax when you sell your home
  • Record of consents and decisions
  • Sign-off

How to complete it

  • Work through each section and tick items once done or not relevant
  • Record any consents, quotes and decisions in the record at the end
  • Use Section 7 to compare the flat-rate and actual-cost methods and choose the better one
  • Review the checklist at least once a year

Key points to check

  • Flat rates and thresholds change – check gov.uk each year
  • Rules differ slightly in Scotland and Northern Ireland (see notes)

Our templates are professionally structured starting points for UK businesses, not legal advice. For anything complex, unusual or high-value, have your final version checked by a solicitor.

Included in the pack

Starting a business

£20

for every document in this category

Editable Microsoft Word files

Guidance notes in every document

Written for UK businesses

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