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Babies, Childcare, Childcare Funding for Students, Education, Free Childcare, Funding, Infants, Nurseries, Nursery, Parenting, Parents, Pre-schools, Preschool, Preschoolers, Streatham, SW16, Toddlers, Under-5s

Childcare Funding Schemes for Students

Are you a student as well as a parent? If so, there are several Government schemes that offer help with childcare costs, some of which will save student parents substantial amounts of money. By doing so, they also make the prospect of juggling parenthood with being a student much more manageable. Today we examine the key childcare funding options, including how the type of course and the age of the parent affect eligibility.

For Student Parents Studying in Full-Time Higher Education

The Student Childcare Grant

The Student Childcare Grant is essentially free childcare funding and does not have to be repaid.

The very generous Student Childcare Grant is available for eligible students who who are studying full-time on a higher education course and have dependent children aged 14 or under (16 or under if they have special needs).

Additional eligibility factors regarding the Childcare Grant for Students:

You must either receive, or be eligible to receive, undergraduate Student Finance based on your household income.
The Student Childcare Grant is available in addition to any standard Student Finance that may be in place for you.
The grant does not have to be paid back.
It can cover up to 85%* of an eligible student’s childcare fees.
However, the most it will pay out for childcare each week is £183.75* if you have one eligible child, or £315.03* for more than one.
The child or children mentioned in your application must be financially dependent on you.
You, the parent, must be a permanent resident in England.
You are not eligible for the Childcare Grant for Students if you are in receipt of a Postgraduate Loan.
You are also not eligible for the Student Childcare Grant if you, or your partner if you have one, claim Tax-Free Childcare, Universal Credit or the childcare element of Working Tax Credit.
Families who get financial support through the National Health Service are also not eligible.

The Student Childcare Grant is paid into a Childcare Grant Payment Service (CCGPS) account and an eligible childcare provider will be paid directly from this once the course has begun. There are strict rules around eligibility for the childcare provider, including that they must be properly registered as such (e.g. with Ofsted or the General Childcare Register) and cannot be a relative if the childcare is taking place at home.

Find out more about Student Childcare Grants and the application process here.

For Student Parents (20+) Studying in Further Education & Facing Financial Hardship

The ‘Learner Support’ Scheme

If you are aged 20 or over, are a parent studying in further education for a qualification on a Level 3 course or below and are facing financial hardship, you may be eligible for childcare funding under the Learner Support scheme. This funding could help you with childcare and other study-related costs if you fit the right eligibility criteria.

How much childcare funding you are eligible for through the scheme depends upon your exact circumstances and income. The childcare provider, though, must be Ofsted-registered.

Those studying in higher education and in receipt of Student Finance are not eligible, nor are those studying on a Community Learning course. There are also some specific rules for those who are helped via the Advanced Learner Loan Bursary Fund.

Find out more about childcare funding through the Learner Support Scheme, including how to apply for it, here.

For Student Parents Under 20 Studying on a Publicly-Funded Course

The ‘Care to Learn’ Scheme

If you are a parent as well as a student aged under 20 when you begin one of a range of publicly-funded courses in England, you may be eligible for childcare funding through the Care to Learn bursary scheme. If eligible, you could claim as much as £175 in childcare per week, per child if you live in London, reducing to £160 per week, per child, outside London.

Care to Learn funding can be used for the standard childcare costs as well as both a deposit and a registration fee. It can even be used to fund a childcare ‘taster’ period of up to 5 days for your child and to fund your travel costs to/from the childcare setting. What’s more, it can also be used to secure your childcare place during Summer Holidays.

Publicly-funded courses that fit in with the scheme include schools, sixth-form schools/colleges, academies, some colleges and a few other types of setting. However, your course must not be a higher education course at a university, nor can you claim if you are studying as an apprentice and receive payment for it.

Your childcare provider must be either Ofsted-registered, a school, or registered with a childminding agency. However, if so, they can be a nursery, pre-school, playgroup, out-of-school club or simply a childminder. They receive payments direct, but can only claim payments once they have confirmed both your attendance on your course and your child’s attendance at the childcare setting.

Find out more about the Care to Learn Scheme and how to apply here.

Free Childcare for Streatham Students at Little Cedars Nursery

Little Cedars supports all official childcare funding schemes and offers high quality childcare at it’s nursery and pre-school in Streatham. We may therefore suit parents who are also students studying at one of the many schools, sixth-forms, colleges, universities and training centres nearby, including around Tooting, Balham, Norbury, Colliers Wood, West Norwood, Wandsworth, Clapham and Brixton. We would be happy to discuss childcare funding options with any parent and can often point people in the right direction, including knowledge on eligibility, applications and actual funding. If you’d like to know more or would like to reserve a childcare place for your child at the nursery, please follow the buttons below.

Apply for a Place Arrange a Visit or Message Us 020 8677 9675

^{* Figures are correct at time of writing (October 2022) in relation to the academic year 2022-2023.}

31 October 2022/by Mark

If you’re choosing a nursery or pre-school for your child in or around Streatham, Furzedown, Tooting or Balham, making your final choice may not be as hard as you think. Take a look at 18 compelling reasons to choose Little Cedars Nursery below. You’ll soon see why we’d make an unbeatable choice for the childcare of under-fives in the area.

1. Superb Parent Feedback

Independent feedback from other parents is worth its weight in gold. In the last five years, Little Cedars has received only 5-star reviews on Google and Facebook. That’s top marks, consistently for 5 years running.* Comments that accompanied these independent reviews were equally compelling — here are just a few examples:

“Amazing nursery! Our daughter loved it here and all the staff are fantastic!”

“[The] team are amazing in every way, with the attention and time they give to the children. Very good knowledge on childhood illnesses and allergies.”

“With the new management this nursery is better than ever. Well done Maggie!”

“Lovely nursery, great team and an amazing outdoor space — they have animals which is fantastic. Amazing management team …”

“I just love the friendly vibes, the lovely facilities (including resources, grand garden and animals!). Maggie, the manager, has been just wonderful and you can see her deep commitment as she often supports her team in the rooms! [A] hands-on manager that will always give you time to talk about your child is a recipe for a success! Highly recommended!”

Ofsted also remarked that parents gave them wonderful feedback about the nursery in their recent Ofsted inspection.

2. Rated as a “Good Provider” of Childcare by Ofsted

In Ofsted’s recent appraisal, they consistently rated Little Cedars Day Nursery as “Good” — in every category. The Ofsted report sang our praises across the board. Here’s how they rated each of the core, specific areas in their opening synopsis:

Quality of education is rated as ‘Good.’
The quality of leadership & management is rated as ‘Good.’
Behaviour & attitudes are rated as ‘Good.’
Opportunities for personal development are rated as ‘Good.’

Learn more about the excellent Ofsted report for Little Cedars Day Nursery, here.

3. A Home-From-Home for Under-5s

Little Cedars is a warm, welcoming and nurturing environment. To the babies and children, it very much becomes a home-from-home where they feel safe, valued, cared for and all with wonderful, close relationships with both peers and our childcare professionals. It’s also a place of immense fun where little ones are happy, stimulated and nurtured in order to bring out the best in them.

4. Exceptional Resources, Equipment & Facilities

Little Cedars Nursery is extremely well resourced and equipped, both inside and out. Take a look at our photo gallery to see the high quality equipment outside to give you an idea. We have an amazing array of facilities that children will love, as they play and learn. They will have immense fun while also learning in the most natural of ways. We have multi-sensory areas, carefully-chosen reading materials, interactive toys and equipment and specially designed areas for each specific age group.

5. Affordable Childcare Fees

For those childcare hours that are not covered by Government schemes, our nursery and pre-school fees are very good value. What’s more, prices are discounted for children attending all five week days each week. Siblings attending at the same time also receive a 13% discount, making childcare services at Little Cedars Day Nursery even more affordable.*

6. Free Childcare Funding Schemes for Eligible 2-Year-Olds

If your 2-year-old is eligible for the Government’s free childcare scheme for this age group, rest assured that Little Cedars Day Nursery supports them and this can potentially give your little one 15 free hours of childcare per week for as many as 38 weeks of the year. That’s 570 free childcare hours per year for your 2-year-old!

7. 15-30 Hours of Free Childcare Per Week for Eligible 3 & 4-Year-Olds

We also support the free, Government-funded childcare schemes for eligible 3 and 4-year-olds, giving them 15 to 30 free childcare hours per week over 38 weeks of the year. That’s 570 to 1140 hours of free childcare each year if they’re eligible. The good news is that all 3 and 4-year-olds living in England are eligible for the 15 free hours per week as a bare minimum.

Check out our Rough Guide to Free Childcare Funding in England for more details.

8. Free Childcare Vouchers Accepted

Little Cedars Day Nursery accepts recognised and valid childcare vouchers, which can really help with affordability. That’s never been more important and useful for families.

9. Great Support for Children with Additional Needs

If your child has additional special needs, choosing the right nursery/pre-school for them is an even harder task. However, Little Cedars Day Nursery has that covered too. Here’s what the independent Ofsted inspector had to say about the topic in their recent visit:

“Children who have additional needs are making good progress from their starting points. Managers and staff offer highly effective support and work closely with parents and other agencies … enabling targeted support that helps children reach their full potential.”

10. Healthy, Balanced Meals & Snacks

Our in-house chef prepares healthy meals for the children each day, along with healthy snacks. Only fresh, high quality ingredients are used to produce the children’s healthy, balanced meals and all special diets are catered for.

Food and snacks are included in our standard fees with the exception of 3 and 4-year-olds receiving Government funding for their nursery places. For those alone, there is a small fee for meals because those are not covered by Government funding. There is, however, no fee for food for 2-year-old funded places.*

11. A Key Person Assigned to Every Child

A Key Person is assigned to each child at Little Cedars Nursery. This is an early years practitioner who ensures that the child’s needs are being catered for and that their care at the setting is tailored to them as an individual. They help children settle in when they first join the nursery and build strong relationships with both the child and the parents. They are therefore usually the natural and key point of contact at the nursery.

12. A Learning & Development Programme Tailored to Your Child

A totally bespoke learning and development programme is developed for each individual child at the setting. This is designed to bring out the very best in them — in every area. So, areas where they’re naturally gifted are made even stronger and any areas where they need extra focus are identified, with appropriate measures introduced as required — including in any areas of special need. In this way, children achieve personal bests across the board and their potential outcomes are absolutely maximised.

13. A Progress Journal for Every Child

The early years practitioners at Little Cedars are so much more than childminders and Little Cedars should not be thought of as just a crèche. Our childcare professionals facilitate the early learning of children and constantly monitor their progress. Indeed a progress journal is maintained for every child as a continuous record of their learning journey. Parents/carers have access to this at any time and are also encouraged to add to it, using its findings to aid the continuation of the child’s learning and development programme even when at home. It’s all an integral part of ensuring that each child thrives in every area of their learning and development.

14. Hand Picked, High Quality Staff

We have a very special team at Little Cedars Nursery. Every one of them has been hand picked to ensure they are the perfect fit for the nursery and for the children therein. They’re warm, natural carers who will form wonderful relationships with children and bring out the very best in them. They become the children’s safe, familiar and friendly faces at the setting as well as facilitating top-notch learning and early years education. They also ensure every child is happy and is having fun whilst under our care.

15. Everything Has a Purpose at Little Cedars Nursery

At Little Cedars nursery/pre-school, everything has a purpose. Whether it’s a hand-picked book or piece of equipment, an interactive game or a particular activity the children are undertaking, it is there for a specific reason and is there to benefit each child in a particular way. An awful lot of thought goes into every little detail at Little Cedars in order to give children the tools to fulfil their utmost potential.

16. A Complete, All-Round Early Years Education

At Little Cedars we do so much more than simply look after babies, toddlers and under-fives. We educate and nurture them too. In fact, we ensure that our little ones achieve personal bests in all 7 areas of the Early Years Foundation Stage (EYFS). This is a high quality, all-encompassing learning and development framework that covers communication and language, physical development, personal, social and emotional development, literacy, mathematics, understanding the world and expressive arts and design. It pretty much covers everything children need to blossom and thrive.

17. We Prepare Under-Fives for Starting School

One of the key goals at Little Cedars Day Nursery and pre-school is to prepare the children for when they transition to school at the age of five. That’s a key milestone in their lives and we ensure that their transition goes as smoothly as possible. This includes a good early years education, as well as the fostering of good physical and mental skills, independence, good social skills and suchlike. When they leave us for school, they leave as the very best version of themselves, fully equipped to absolutely hit the ground running.

18. Safety is Always Paramount

The safeguarding of all babies and children under our care is of paramount importance to Little Cedars Nursery. Ofsted recognise this too, commenting in their recent report that our arrangements for safeguarding are effective, with risk assessments and appropriate procedures all being in place. So, as a parent or carer, you can rest easy in the knowledge that your baby, toddler or under-five child is in very safe hands — and that’s even independently verified by the experts.

Apply for a Place at Little Cedars Nursery & Pre-school

A nursery place for your child in Streatham, near Furzedown, Tooting, Balham, Norbury & Colliers Wood

We hope you can now see all the benefits of sending your baby, toddler or preschooler to Little Cedars nursery/pre-school. If you are looking for a good nursery/pre-school in Streatham, or high quality childcare near Streatham Hill, Streatham Park, Streatham Common or Furzedown, Little Cedars Nursery would make an excellent choice. We’re also close by if you live or work near Tooting, Tooting Bec, Tooting Broadway, Tooting Common, Balham, Norbury or Colliers Wood. Contact us today to get started with your child’s nursery application or to arrange a visit, so you and your little one can see it for yourselves. Please choose a button to get started:

Apply for a Place Arrange a Visit or Message Us 020 8677 9675

^{* Correct at time of writing (mid-August 2022).}

17 August 2022/by Mark

Childcare, Early Years, Early Years Education, Nurseries, Nursery, Pre-schools, Preschool, Streatham, SW16

The Complete Guide to Choosing a Nursery

One of the key challenges that affects parents is how to choose the best nursery or pre-school for their little one. Babies can go to nursery at just a few months old and Government funding for childcare kicks in from as early as 2 years of age. So, the choice of nursery is a decision that, for many, needs to be made very early in a child’s life.

What is the best way of choosing the most appropriate nursery or pre-school for your child? What factors should be taken into consideration? This guide clearly explains the key considerations and provides a useful road map to find the perfect nursery or pre-school match for an individual child.

A Convenient Nursery Location

The most obvious factor to consider is location. After all, you will usually want your child’s nursery or pre-school to be close to either your home or place of work — or somewhere en route — so they’re easy to drop off and pick up. With a quick Google map search for nurseries in your desired area, you’ll already be able to generate a great list of possible contenders.

Social Proof

While you’re still on the search results page, you can check how well the various nurseries have been reviewed on Google. Little Cedars has an average rating of 4.4 out of a possible 5 stars on their Google listing, for example — that’s very good. If you dig a little deeper, you can see that, of the 7 total customer reviews, 4 of them were rated at the full 5 stars, which again is extremely good. You can also see any comments with some reviews, where people left them. In our Little Cedars Day Nursery example, here are the comments:

“With the new management this nursery is better than ever. Well done …!]”

“… her team are amazing in every way, with the attention and time they give to the children. Very good knowledge on childhood illnesses and Allergies.”

“Amazing nursery! Our daughter loved it here and all the staff are fantastic!”

So, that’s the kind of thing you need to look for — happy customers! You can also do a similar exercise via the Facebook profiles for each of your contenders. How many 5 Star reviews have they got? What were the comments, if any?

Compatible Opening Hours

The nursery’s opening hours will also need to be compatible with your working hours and allow sufficient time to drop off and collect, allowing for travel. This may help to whittle down your list of contenders a little. Many nurseries and pre-schools only operate during weekdays, so if you work at weekends, you may need to make other arrangements on those days or find one of the rare nurseries that is also open on Saturdays or Sundays. Similarly, you may require childcare all year round and not all nurseries/pre-schools offer that. Our Little Cedars example operates for 51 weeks of the year, only closing for public holidays and one week between Christmas and New Year, so that would be very convenient if you’re looking for an all-year nursery or pre-school in the Streatham area.

Ask Around

Also ask around your friends, family and perhaps neighbours for recommendations. These are worth their weight in gold! You could also consider asking for any recommendations on social media, for example on Facebook, appropriate Facebook groups, or on other parent groups and forums online.

Spend time on Nursery Websites

A huge amount can be learned from a visit to your nursery contenders’ websites. They should tell you about the nursery’s approach to early years learning and development, about safeguarding and security, their curriculum, staff quality, facilities, equipment, anti-COVID measures and a whole lot more. Pricing may also be important as a consideration and websites are usually a great way to appraise fee levels without having to ask directly. If your child has a brother or sister, also check to see if the nursery or pre-school offers a sibling discount. Find out if food and drink are included in the fees. These are just a few examples of the type of information that you can usually obtain just by visiting nursery/pre-school websites, assuming they’re well maintained.

Speak to the Nurseries

Once you have a short list together, call each of the nurseries and speak with them. You can get a great deal of insight by talking with staff members. They may be able to tell you much more about the nursery than can be gleaned from their website or social media profiles. Sometimes speaking to staff can turn up wonderful nuggets of information. For example, they may run a phone app for parents to allow them to receive regular updates about their child throughout the day. They may be able to tell you more about security at the nursery. They should also be able to tell you how they are approaching the effects of the pandemic and what measures are in place to keep everyone safe, whether they’ve won any awards, whether they’ve just had an Ofsted inspection that’s not yet published … and so on.

Visit the Nurseries & Ask Questions

Once you’ve whittled down your nursery contender list to a manageable level, it’s also a great eye-opener to visit the nurseries on your short list. There’s nothing quite so insightful as taking a tour of the nursery contenders in order to see them in action on a standard nursery day. Take note of the facilities and equipment, how the staff interact with the babies and children and consider taking your child with you during the visit. Was the setting a ‘good fit’ for them? Was it homely and welcoming? Did the children there look happy? Were the facilities good? Were the activities varied and well-supervised? Were children’s individual needs catered for? Were babies and young children given enough time for naps? Is the setting well-kept and does it look professionally run? If your child has special dietary requirements or preferences, will these be catered for? Is the food high quality, healthy and well balanced? Do staff feed back to parents/carers regularly about their children? Do they keep progress notes in regard to children’s learning and development and, if so, can they be viewed at any time? What are the child-to-staff ratios? How are special needs catered for? Visiting the nursery will give you ample time to ask these and lots more questions.

Ofsted Reports

Ofsted is the ‘Office for Standards in Education’, the main body for childcare and educational settings in England. You should check out recent Ofsted reports for any childcare settings that you’re considering. These can show some great detail about the running of nurseries and pre-schools on your list. Assuming they’re properly registered childcare settings (which they absolutely should be), don’t be alarmed if you can’t find an Ofsted report if they’re quite new. Not all settings will have them as they happen every four years, so relatively new nurseries may not have an Ofsted Report as yet. If they’ve had one, though, the Ofsted website will show the report. At time of writing (late 2020) Little Cedars has not yet had their Ofsted Report as they were only registered in late 2017, but we’ll publish results the moment our first Ofsted report has been generated.

Nursery Security & Safeguarding

For parents and carers, the safety and security of babies and children will be every bit as important as a homely atmosphere, a nurturing environment, a good curriculum, caring staff and modern equipment. Ask the nursery about security and safety at the setting. Are there anti-intruder measures in place, like an entrance system, CCTV and so on? Are there measures in place to stop the children being able to leave the premises unintentionally? When children and babies are picked up at the end of the sessions, is there a water-tight protocol in place to ensure that little ones are picked up by only the right people? Ask your nursery contenders all these kinds of questions.

Are Free Childcare Schemes & Vouchers Supported?

Find out if your nursery/pre-school contenders support the “free Government-funded childcare hours”. At Little Cedars, we support both the 15 and 30 hour schemes for 2- to 4-year-olds, where eligible and when spaces permit of course. Read our Rough Guide to Free Childcare Funding to learn more about those.

Any questions?

We hope this guide helps as a guide to choosing a nursery for your under-five baby or child. It goes without saying that Little Cedars would be absolutely delighted if we are considered as a nursery/pre-school place for your baby or child in Streatham, near Streatham Hill, Streatham Common, Streatham Park, Upper Tooting, Tooting Bec, Tooting Common, Furzedown or Balham in south west London. Do feel free to ask us any questions, book a visit, apply for a place or call for information and we’ll be very happy to help — click an option below:

Apply for a Place Arrange a Visit Message Us 020 8677 9675

15 December 2020/by Mark

Childcare, Early Years, Early Years Education, Education, Free Childcare, Nurseries, Pre-schools, Streatham, Under-5s

Your Toddler Needs to Go to Nursery. Here’s Why.

There are compelling reasons why under-fives should attend early years education and childcare settings like nurseries or pre-schools, or their equivalent — before starting school. Missing this crucial stage in their early years education and development may disadvantage the child — a fact that’s backed up by various studies.

Results of a Department for Education (DfE) study released in February 2020 highlight the benefits of attending early childhood education and care, all in incredible detail. We took a look at their 145 page report and picked out some of the key findings.

Benefits of attending Early Childhood Education & Care (ECEC)

Note: the term ‘Early Childhood Education & Care’ (ECEC for short) refers to non-parental childcare and early education that occurs before school. There are several different types, including nursery settings, pre-schools, registered childminders and so on, so the Organisation for Economic Co-operation & Development (OECD) and the European Commission have adopted this term to encompass them all.

According to the DfE study, early childhood education and care has both short- and long-term positive effects on the educational, cognitive, behavioural and social outcomes of children. That’s no mean feat. A good educational grounding for under-fives is also shown to result in more positive social behaviour, better behavioural self-regulation, lower instances of emotional issues and less peer problems.

“Research … indicated that the benefits of high quality early education exist from as young as two years of age.” (Sammons et al., 2002)

Some of these benefits are even more pronounced for disadvantaged children who start to attend formal ECEC sessions no later than the age of two. The DfE impact study shows that 2-year-olds benefit most if they receive early education and care for an absolute minimum of 10 hours per week by the age of two. Three- and four-year-old children from disadvantaged backgrounds benefit most from no less than 20 hours per week thereafter in the run-up to the start of primary school at age 5. Children who follow this approach have better verbal abilities when they start school and are also much more likely to achieve expected levels of personal attainment during reception year at school. The studies show that, with ECEC’s highly appropriate, structured preparation beforehand, children are able to hit the ground running once they transition to school.

It’s also interesting to note that, for children from households with the poorest home learning environments, there was a marked enhancement of verbal ability in year one of primary school for those who followed the above attendance approach prior to starting school. The early years education and care was clearly seen to have evened up the playing field in this respect.

Longer-term benefits of early years education & care

“15-year-olds who had attended some pre-primary education outperformed students who had not by about a year of achievement. ” (OECD report, 2011)

As well as having a positive effect on children’s readiness for school, there is also compelling evidence that early years education at good nursery/pre-school type settings has a marked, positive effect on children’s long-term attainment levels there – and indeed on their lifelong outcomes. As such, early years education and care represents an extremely solid foundation for children’s futures in general.

“ECEC interventions also boost children’s confidence and social skills, which provides a better foundation for success at school, and subsequently in the workplace.” (Sim 2018)

These are all profoundly important findings. Long-term studies have also revealed that educational success is likely to result in better success in employment during adulthood, improved social integration and even a general reduction in levels of criminality.

Benefits for families & society in general

Early childhood education and care doesn’t stop at benefiting children; it also benefits their families and society in general, in deep-seated ways. For example:

it allows parents to work, or re-enter the labour market after maternity leave;
it allows parents to develop their careers;
it helps to improve family income levels;
it may increase the potential for upward social mobility;
it reduces poverty;
it reduces welfare dependency;
it reduces crime rates;
and, of course, it ultimately improves the lives of children.

Are you looking at nursery/pre-school options for your baby or toddler?

In England, around 94% of 3- and 4-year-olds receive Government funding of some kind for childcare and early years education. For babies and children aged up to 2, it’s closer to 40% at last count. However, beginning any kind of education before attending primary school is not always a given; for one reason or another, there are a few children who only begin their education once they start primary school around the age of 5. For those who have the option for an earlier education but whose parents are unsure, we hope this article has helped to highlight just some of the many benefits of under-fives attending nurseries, pre-schools and childcare settings like Little Cedars Nursery, Streatham before the age of 5. The good news is that we support the Government-funded options for 15/30 hours of free childcare per week for eligible families. For those who are not eligible, our nursery fees are very competitive. We’re based in Streatham, London SW16, so are also convenient for those looking for early years childcare around Streatham Park, Tooting Bec, Tooting Common, Furzedown and Balham. For more information or to apply for a place at the nursery, call us on 020 8677 9675, send us a message or book a visit here. We’d love to tell you more and to show you around!

17 September 2020/by Mark

Childcare, Free Childcare, Free Childcare through Universal Credit, Funding, Nurseries, Nursery, Pre-schools, Preschool, Streatham, SW16

Free Childcare via Universal Credit: A Complete Guide

Welcome to our guide to free childcare available specifically via Universal Credit. This builds upon our previous childcare funding guides, giving parents yet another potential way to get financial help towards childcare costs. Which scheme suits you best rather depends upon your individual situation as each has its own rules for eligibility. If one scheme doesn’t fit with your situation, another may. You may even find that you can apply for multiple schemes in certain circumstances, and we’ll also touch upon that in this guide. (To view our previous guides on other funding schemes, see our Rough Guide to Free childcare Funding in England and our Complete Guide to the Tax-Free Childcare Scheme).

Anyway, let’s get back to childcare funding specifically from Universal Credit …

Firstly, what is Universal Credit?

Universal Credit is a Government funding system that was introduced in 2013 to simplify the welfare payment system. In essence, it helps people with their living costs, for example if they’re on low incomes or are not working. It also potentially includes funding for childcare, to help parents with the costs of looking after dependent children (more about that later). The scheme’s aim is to eventually replace 6 existing benefits** into a single, unified payment scheme. Payments are made monthly in England (sometimes twice a month in Scotland).

How much can you get towards childcare with Universal Credit?

If you are eligible, you may be able to reclaim up to 85% of childcare costs through Universal Credit. The most you can reclaim each month is usually £950.92 for one child or £1,630.15 for two or more children (figures have been updated for 2023) unless there are exceptional circumstances. You may also be able to claim for additional children under the scheme, but only if they were born before 6th April 2017. If eligible, you can claim for dependent children up to the 31st of August following their 16th birthday.

Your payments for childcare costs under the scheme are usually paid in arrears. This means you will need to pay the costs yourself and then claim the money back through your Universal Credit claim. (2023 UPDATE: Following childcare funding reforms announced in the Chancellor’s Spring Budget in 2023, however, there are exceptions — good news for those struggling the most).

The amount you are paid in your job, if you have one, can affect how much your Universal Credit payments will be. If your earnings are more than usual in an “assessment” period, this can reduce your Universal Credit payment, including the amount of any help towards childcare costs.

Eligibility criteria

To be potentially eligible for childcare help through Universal credit, you must live in the UK, be on a low income or out of work and be aged 18 or over (although there are some exceptions for 16 and 17 year olds). You and your partner, if you have one, must also be under State Pension age and have no more than £16,000 in savings/investments between you.

You, and you and your partner, if you live with them, usually* need to be employed or have an offer of employment, and be paying for childcare for a child or young person. Paid work does not include being engaged by a charity or a voluntary organisation or being a volunteer where the only pay is expenses. Also, if you stop work, you must inform Universal Credit of the change in your circumstances.

* Childcare costs may still be paid if one partner is employed and the other cannot look after the child/children because they have limited capabilities for work and work-related activities, care for a disabled adult or child, or are temporally absent from the household (e.g. in hospital, residential care or in custody).

You will not be eligible for Universal Credit if you already receive, or are eligible for, Severe Disability Premium.

Claiming back your childcare costs

You will need to tell the Department for Work & Pensions (DWP) about costs of your childcare before the end of the “assessment period” following the one you have paid the fees for. This can be confirmed online via your Universal credit Account. In effect, you are then refunded for any eligible childcare payments via your Universal Credit payment. You can claim up to 3 assessment periods of childcare at a time. To get your childcare costs refunded and to avoid missing out, you should report the childcare costs as soon as possible after you have paid them.

What if you’re off sick or on maternity/paternity leave?

You can still get Universal Credit childcare costs for existing childcare if either you or your partner are receiving Statutory Sick Pay, Statutory Maternity Pay, Statutory Adoption Pay, Statutory Paternity Pay, Statutory Shared parental Pay or Maternity Allowance.

What if you’re changing jobs, or coming to the end of one?

If you have been offered new employment, you can ask for childcare costs for the month preceding the start of your new job. If you are coming to the end of your employment, you must inform the Department for Work and Pensions (‘DWP’) immediately. Help with childcare costs can be claimed at least a month after your employment ends to help you maintain childcare as you switch jobs.

What if you’re still receiving the ‘old’ Tax Credits?

** A few people remain in the ‘old’ schemes that were in place before Universal Credit came into being. These are Child Tax Credit, Housing Benefit, Income Support, Income-based Job Seekers Allowance (JSA), Income-related Employment & Support Allowance (ESA) and Working Tax Credit. If you’re still receiving benefits through one of those, it seems that there is no need to apply for Universal Credits unless you have a change of circumstances that needs to be reported, or you are requested to do so by the DWP.

TIP: It’s important to know that any existing Tax Credits will end once you or your partner apply for Universal Credit — even if you are not successful in your application. So, the message is: if you are receiving Tax Credits check your eligibility and do your research carefully before applying for Universal Credit.

What if you receive childcare vouchers?

If your childcare costs are met by a third party, for example via childcare vouchers supplied through an employer, you can only claim back the balance which you or your partner actually paid yourselves. However, earnings that have been converted into childcare vouchers do not need to be included when working out reductions to your Universal Credit pay.

What if you’re already receiving 15 or 30 hours free childcare funding?

You may still be entitled to apply for the 15 or 30 hours free childcare funding. Universal credit may be able to help towards any additional childcare costs over and above the 15 or 30 hours each week.

Can you only use one childcare provider?

You can have more than one childcare provider. However, to apply for Government help with childcare you must use a registered/approved childcare provider. This generally means that the childcare provider is registered with Ofsted for England, The Care Inspectorate for Scotland or the Care and Social Services Inspectorate Wales (‘CSSIW’) for Welsh settings.

You will need to tell Universal Credit details of the childcare providers you are using. These may include providers supplying childcare via a school, play scheme, nursery, club, a childminder or childcare agency, so long as they’re registered as above. Your provider will need to confirm their registration number, which you’ll need to provide in your application.

How to apply

Checklist

First, you’ll need to get the following ready: • Details confirming what you pay for childcare costs; • An email address; • Your mobile phone handy if you have one; • Your bank or building society account details, or credit union account information; • A credit or debit card; • Details about your housing situation, for example how much rent you pay; • Income details including payslips; • Savings and investment information and any income from property that you rent out; • A driver’s licence or passport.

Then you can apply for Universal Credit payments here. Telephone the Universal Credit Helpline on 0800 328 5644 if you run into any difficulty.

Childcare in Streatham, London SW16

This guide was brought to you by Little Cedars Day Nursery in Streatham, London SW16. We offer childcare services at our nursery and pre-school located in the London Borough of Wandsworth. We’re convenient for parents requiring weekday childcare for babies and under-fives near Streatham, Streatham Park, Tooting Bec, Tooting Common, Furzedown and Balham. Telephone 020 8677 9675 for more details or simply email us here and we’ll be delighted to tell you more about the nursery or to answer any questions. Alternatively, book a tour or the nursery here.

20 July 2020/by Mark

Childcare, Early Years Education, Funding, Nurseries, Nursery, Pre-schools, Preschool, Streatham, SW16, Tax-Free Childcare

The Tax-Free Childcare Scheme – A Complete Guide

Back in February, we published our ‘Rough Guide to Free Childcare Funding in England‘. This proved very useful to eligible parents and guardians who wanted to understand more about the free childcare funding that was available from the Government. For any parent or guardian, totally free childcare is a no-brainer and is usually the best source of childcare funding to consider first. However, for those who are not eligible, there’s another scheme to consider, called the Tax-Free Childcare scheme. While you do have to pay for the childcare yourself, a kind of tax ‘rebate’ (of sorts) helps to cushion you from having to pay for the entire cost.

The Tax-Free Childcare Scheme could save you thousands

The Tax-Free Childcare Scheme

Under the Government’s Tax-Free Childcare Scheme, the Government effectively offers up to £2,000 of help per child, per year, for childcare, or up to £4,000 per year if they are disabled. It’s rather like crediting you back some income tax on the (tax-paid) money you’re going to be spending on childcare, which is why the scheme is called the Tax-Free Childcare Scheme.

How it works

If you are eligible, you simply open a Tax-Free Childcare Account on the Government website. For every 80p you pay in, the Government will put in an additional 20p (this is the part that’s akin to getting the Income Tax back on the money you’re going to spend on childcare). Using this approach, you can save up to £10,000 for childcare, per child, in your Tax-Free Childcare account. As mentioned above, you get even more back from the Government if the child in question is disabled.

Rules for eligibility:

The Tax-Free Childcare Scheme is available to parents of children up to the age of 11 inclusive, or 16 inclusive if they’re disabled.
You, and your partner, if you have one, need to be working. (If you are a single parent, that’s OK).
If one of you is not working but is in receipt of specific benefits, the other can still be eligible. Those received benefits include various disablement and incapacity allowances, Carer’s Allowance, contribution-based employment & support allowance and National Insurance credits awards for incapacity/limited capacity to work.
If you have not yet begun working, but will begin working within the next 31 days, you can still apply.
Being on sick leave does not stop you from being eligible.
Each partner in the household, if there is more than one, needs to earn £140 or more per week (this is tied to the National Minimum Wage i.e. the equivalent of working 16 hours per week, if over 25, at time of writing). Those who have been self-employed for less than a year are not subject to the minimum above. Those who have been self-employed for more than a year will need to use an average of income for the next 3 months or entire current tax year to see if they’re eligible on the above basis.
Each parent must earn less than £100k per annum.
Those on maternity, paternity or adoption leave are still eligible on the above basis, but can only claim for children they are not on parental leave for.
Your chosen childcare provider must be registered with the Tax-Free Childcare Scheme along with at least one of the following regulators: Ofsted, the Early Years Register or the Childcare Register.

Along with helping to fund nursery places at places like Little Cedars Nursery in Streatham, Tax-Free Childcare can also be used to fund the costs of other kinds of childcare service, so long as they’re registered as outlined above. Examples include play groups, breakfast clubs, some holiday activities like sports and even summer camps.

Is Eligibility affected if I’m working less due to coronavirus measures?

The short answer is no, i.e. if you’re temporarily working less because your work has been limited by the measures put in place to fight coronavirus, you can still claim.

How to apply for Tax-Free Childcare

To apply, sign up for Tax-Free Childcare at the Government site. It only takes 20 minutes or so. You’ll need your National Insurance number and your UTR (Unique Taxpayer Reference) if you’re self-employed. If you have a partner that you are making a joint claim with, the same two things are required for them, but you only need one account for the both of you.

Once your application has been accepted (it’s usually pretty fast), the Government’s 20% contribution usually goes into your account within just a few hours of you crediting the account with your 80%. Please note that there is a maximum credit of £500 per quarter from the Government. For this reason, it’s wise to credit your account with your contributions all year round if you have particularly high childcare costs that come in one shorter period within the year.

TIP: If you want the Government’s contribution to go into your account faster, your payment needs to be paid by Bank Transfer (rather than, say, via a debit card or standing order, although those still work fine if you don’t mind waiting a while longer for the Government’s corresponding contribution).

How to pay your childcare provider

Once your Tax-Free Childcare account is showing available funds, these can be sent directly to your childcare provider by selecting them from within the account and then transferring the appropriate amount to them. As above, they will usually receive the payment very fast although obviously it takes a little longer if you make a payment over a weekend or Bank Holiday. Allow up to 3 working days, in a worst case scenario.

Looking for childcare services in Streatham or south west London?

Little Cedars Day Nursery is based in Streatham, London, SW16. If you’re in that area, we’d love to be your chosen childcare provider. We’re conveniently close to Streatham high street, Streatham Park, Tooting Bec, Tooting Common, Furzedown and Balham. We’re well-established and offer the very best childcare services at our nursery/pre-school in Aldrington Road (SW16 1TU). Our qualified staff and facilities for children are excellent, whether they’re a 3 month old baby or a five year old child. Call 020 8677 9675 or contact our Streatham nursery team here and we’d be delighted to tell you more about our nursery, or to arrange a visit so you can see the setting for yourself.

P.S. You may also be interested in our separate Guide to Childcare Funding Available Through Universal Credit.

26 June 2020/by Mark

Childcare, Coronavirus, COVID-19, Free Childcare, Key Workers, Nurseries, Nursery, Pre-schools, Preschool, Streatham, SW16, SW17, Tooting

Nursery places for Key Workers in SW16 & SW17

Key workers in Streatham & Tooting:
We can help you with childcare.

Following on from our Coronavirus Update, we’re reaching out to ‘key workers’ in the Streatham & Tooting areas. If you require childcare during the COVID-19 lock-down, we can help.

“If you need childcare in the London SW16 or SW17 area of London and are what the Government are categorising as a ‘Key Worker’, we can help with nursery places for your children.”

What is a Key Worker?

Loosely speaking a key worker, as defined by the Government, is anyone whose work is “critical to the COVID-19 response”. It also includes people working in one of the “critical sectors”. These are categories that they see as essential to keep the UK safe and the economy and infrastructure functioning. Where children of key workers cannot safely be cared for at home, they will be “prioritised for education provision”. That means eligibility for childcare at nurseries and pre-schools like Little Cedars Day Nursery and Beechcroft Day Nursery.

NHS staff and those working in health and social care, we can help you with nursery places for your children.
Teachers, childcare workers and education professionals, we can offer your child a nursery place.
Emergency services, MoD staff, armed forces critical to the response to the coronavirus pandemic and prison/probation staff, we can offer childcare for your children.
Workers in national or local government essential to the COVID-19 response: we have a place in our nursery for your children.
Transport and delivery workers may also be eligible for childcare in our London nurseries.
If you work in banking/finance, IT, postal services, delivery, utilities like oil, gas, electricity and water: we can also help with a nursery place for your child.

The list of eligible key worker categories is thankfully large, so those were just a few examples. To check whether you’re eligible for a childcare during the lock-down, check the full list of eligible key workers. Then get in touch with us (see below).

A Nursery/Pre-school for children of key workers in London SW16/SW17

We’ll temporarily operate from Tooting Bec during the lock-down. As we mentioned in our last post, Little Cedars Day Nursery (Streatham) has temporarily joined forces with our sister nursery Beechcroft Day Nursery. This is very close by (just a 7 minute drive) at 83 Beechcroft Road, London SW17 7BN (Tooting Bec). Read more

26 March 2020/by Mark

Childcare, Coronavirus, COVID-19, Free Childcare, Funding, Nurseries, Nursery, Pre-schools, Preschool, Streatham, SW16

Coronavirus & Little Cedars Day Nursery — Temporary Measures

Little Cedars Day Nursery would like you bring parents and carers up to date in regard to the affect that Coronavirus and COVID-19 is having on the nursery in Streatham. Firstly, we’re pleased to confirm that we don’t have any instances of staff or families having been infected. However, we do need to follow Government guidelines. Regrettably, these affect all education settings, so will impact on some families who attend our nursery/pre-school.

Partial closure of the nursery (from Friday 20 March)

As many may have seen in the news, the Government has asked all nurseries to partially close from Friday 20th March 2020. This is part of the community defence against the spread of the virus. It’s especially important for London-based nurseries and pre-schools to do all they can to play their part in the fight against this pandemic. Little Cedars is no exception, so here is what is happening from today (20 March 2020) …

Temporary relocation

During these emergency measures, Little Cedars will temporarily relocate, joining forces with our sister nursery, Beechcroft Day Nursery. This is very close by at 83 Beechcroft Road, London SW17 7BN. As you can see on the map, this is just 1.6 miles, a 7 minute drive or a 16 minute bus journey away. Once the emergency measures and virus have passed, things will go back to normal and we’ll be back at Aldrington Road. Hopefully, that’ll be in no time at all if we all take extra measures to beat this outbreak together. We’ll keep you posted of any changes here and on our social media.

Exceptions to the closure

Nurseries, including Little Cedars, will essentially close to much of the general public. However, as directed by the Government, they will remain open for vulnerable children and children of key workers. In brief, the ‘key workers’ include those involved in the response to COVID-19, front-line NHS staff, emergency services, supermarket delivery drivers, those involved in food production and several other categories. It’s a long list, though, so click here to see it in full.

The Government’s message is:

“If your work is critical to the COVID-19 response, or you work in one of the critical sectors listed … and you cannot keep your child safe at home, then your children will be prioritised for education provision.”

Our promise to you

Please note: We know how disruptive and difficult this may be for many of the families whose children attend our nursery/pre-school. Therefore we, the staff at Little Cedars Day Nursery, promise that we’ll look very carefully at your individual circumstances. We will, of course, help you and your children wherever possible.

Contact us for further information

If you’d like to contact us for further clarification, please email us on manager@littlecedars.co.uk. You can also leave a phone message at Little Cedars (020 8677 9675) or call our Beechcroft nursery direct on 020 8767 5501.

Lastly, is free childcare funding for 2, 3 & 4 year olds affected?

No; the good news is that there is no change to the funding eligibility. In regard to those who are eligible for free childcare funding, Education Secretary Gavin Williamson has stated, “… we will continue to pay for all free early years entitlements [in place], even in the event that settings are closed … or children are not able to attend due to coronavirus”.

20 March 2020/by Mark

Childcare, Free Childcare, Funding, Nurseries, Nursery, Pre-schools, Preschool, Streatham, SW16

A Rough Guide to Free Childcare Funding in England

The rules surrounding free childcare funding in the UK can be confusing. You may have heard of the Government schemes for ’30 hours of free childcare’, or ’15 hours free funding’. However, different age groups each have their own separate rules surrounding eligibility. In view of the complexities involved, we have put together a rough guide for early years age groups, to help clarify things. This should be useful for those looking for nursery and pre-school places for 2 to 4 year olds in particular. We’ll take each age group in turn:

Free childcare funding for 2 year olds

You may be eligible for up to 15 hours of free childcare funding for 2 year olds if you live in England and …

are receiving Income Support;
receive the guaranteed element of Pension Credit;
are receiving Income-based Job Seekers Allowance;
receive Income-related Employment & Support Allowance;
are receiving Universal Credit and your annual household income is no more than £15,400 after tax, excluding benefits;
receive Tax Credits and your annual household income is no more than £16,190 before tax;
are receiving the Working Tax Credit “4 week run-on” (payments you receive when your eligibility for Working Tax Credit ceases).

You may also be eligible if your 2 year old:

is subject to an Education, Health & Care plan;
has a statement of special educational needs;
is no longer in care following a special guardianship order, an adoption order or a child arrangements order;
receives a Disability Living Allowance;
is cared for by a local authority.

Separate rules apply for those who are non-EEA citizens who also cannot claim benefits.

15 hours free childcare for 3 & 4 year olds

For English nationals, 3 and 4 year old children are entitled to 15 hours of free childcare per week, for 38 weeks per year. That equates to 570 hours per year but it can only be used in conjunction with an approved childcare provider like Little Cedars Day Nursery in Streatham. 3 and 4 year olds are eligible for this until they start school in reception year, or reach compulsory schooling age if that’s later. Eligibility does not depend on income or the parents’/guardians’ work situation. Parents can start benefiting from the funding from the 1st of January, the 1st of April or the 1st of September after their child’s third birthday. Ask your local nursery, pre-school or council for more details.

30 hours free childcare funding

In addition to the above, 3 and 4 year olds may be eligible for an additional 15 hours of free childcare, taking the total to 30 hours a week, if certain criteria are met …

You can apply for the additional 15 hours of free childcare , bringing it to a total of 30 hours, at the same time as claiming Universal Credit, Tax Credits, Childcare Vouchers or Tax-Free Childcare.
If you are currently not working, you may still be eligible if your partner is working, and you get Incapacity Benefit, Severe Disablement Allowance, Carer’s Allowance or Employment & Support Allowance.
You can apply if you’re starting or re-starting work within the next 31 days.

Earning criteria for working parent/parents/partners:

You must be working as a single parent or part of a couple that both work.
You must earn more than the weekly equivalent of 16 hours at the National Living Wage or Minimum Wage.
Neither of you can be earning a net income of more than £100,000, including any bonuses.

Learn more about eligibility here. If you feel that you do not quite meet these earnings criteria, it may still be worth enquiring as other conditions can sometimes apply. For example, a couple may still be eligible if one earns enough but the other is either a carer, is not well, is on parental leave, annual leave or sick leave. Another example is where a parent is self-employed, having started their business in the 12 months immediately prior to their application.

How to apply for 30 hours funding:

You can apply for the 30 hours funding through the Government website. You will need to go online and set up a childcare account. To do this you will need your National Insurance number (and, if you have a partner, their National Insurance number). If you are self-employed, also have your Unique Taxpayer Reference code (‘UTR’) at the ready. The online process will take about 20 minutes and it could take around 7 days to find out if you are eligible. Let us know if you need help with your application and we’ll be pleased to assist.

Other Government childcare funding schemes

You can also read our separate guide on free childcare funding available through Universal Credit and our Guide to the Tax-Free Childcare Scheme (click the bold links).

Contact Little Cedars Day Nursery & pre-school, Streatham

If you have any difficulties or have any queries regarding childcare funding, please get in touch with us. We can guide you through the process if you need help with your application. Feel free to call us on 0208 677 9675 too, or email us here and we’ll be happy to help!

Little Cedars is a day nursery and pre-school in Streatham, SW16 1TU. We’re very conveniently located for those searching for childcare in or near Streatham, Streatham Park, Tooting Bec, Tooting Common, Furzedown and Balham in the London Borough of Wandsworth.

This is a rough guide only, so always check with us, or your local council. Additional costs such as food, outings and nappies are not funded by the Government, so potentially allow extra.

25 February 2020/by Mark