Your kitchen table is a perfect place to start your business.

You don’t need loads of room to start a business, you just need a bit of space where you can think, write and plan.  Many successful businesses were started at a kitchen table not in a grand office!  That’s where mine was started, and my husbands and 1000’s of others.

You don’t have to invest in expensive premises; your house is a perfect place to be based.

  • It keeps your costs down,
  • you have no commuter time and
  • if you change your mind you don’t have long lease contract to get out of.

It doesn’t really matter what your business is in, your house is the right place to start.  I recently wrote a business plan for Molly Musgrave Foods, she produces sausages, and guess where she first started making them… in her kitchen!

I also work with Ian Golding of Glow, he’s a successful communications and impact trainer, and has worked with some of the largest brands in the world.  But he also started his business at home, using a laptop at his kitchen table.

For almost all industries you want to work in, you can start in your house.  It doesn’t really matter what you do, if you start small, you can start exactly where you’re sat now!

What are practical things to consider?

Will it affect your mortgage?

If you’re not changing your house to be a commercial building its unlikely your mortgage will be affected by starting your business at home.  However, if you’re turning it into a retail space where lots of customers will visit, then “terms of use” will have to be considered and therefore your mortgage could be affected

To be on the safe side, just check with your mortgage lender or landlord to see if it’s permitted. In some circumstances, your mortgage or tenancy agreement may prevent you from using your home to run a business.

What about house insurance?

Depending on the type of business you want to run, your insurance may go up, stay the same or even go down:

  • If you need to invest in high value equipment or start holding lots of stock your provider might want to increase your premium.
  • If you’re using ‘normal’ domestic things (eg just needing your laptop and a printer), its unlikely to be affected.
  • Some providers actually prefer home-workers, (you’re less likely to be burgled if you’re at home, rather than the house sitting empty).  So your premium might even go down!

It’s worth giving your provider a call for advice on your specific policy though.

Business rates?

These are unlikely to affect you, but the government guidance is:

You don’t usually have to pay business rates for home-based businesses if you:

  • use a small part of your home for your business, for example if you use a bedroom as an office
  • sell goods by post

You may need to pay business rates as well as Council Tax if:

  • your property is part business and part domestic, for example if you live above your shop
  • you sell goods or services to people who visit your property
  • you employ other people to work at your property

It’s worth checking with your local branch of the Valuation Office Agency (VOA) if you’re unsure

Any Tax savings?

Here’re a couple of bonuses of working from home:

  • You might be able to claim tax relief on some of your house-hold bills.
  • If your business is VAT-registered, you could can claim back VAT on things you buy for business (such as office furniture).

Your accountant will be able to tell you more, or ask the HM Revenue & Customs.


So, what’s stopping you?

Grab yourself a cuppa, a pad and a pen, get comfy and start thinking about what you’d like to do…

Read some of our related blogs:

About Brilliant Together

Do you need help with setting up your business?

If you need support and guidance in getting your business up and running, and growing then give us a shout.

Brilliant Together is a small business consultantancy.  We provide expert business advice and support to businesses looking to launch or grow.  We specialise in Business Plans, Marketing strategy and Planning; see our services.  We also have a network of experts in a wide range of areas from Accountancy to Web-design and everything in between!  So what-ever you need, we can connect you to someone who can help, see some of our Brilliant People.

If you want to know how I can help you build your business dreams into a successful reality, get in touch.

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