{"id":39,"date":"2026-08-31T12:22:35","date_gmt":"2026-08-31T12:22:35","guid":{"rendered":"https:\/\/bwchildminding.co.uk\/?page_id=39"},"modified":"2026-08-31T12:22:36","modified_gmt":"2026-08-31T12:22:36","slug":"funding","status":"publish","type":"page","link":"https:\/\/bwchildminding.co.uk\/?page_id=39","title":{"rendered":"Childcare Funding"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Childcare Funding<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Making childcare more affordable for Stratford-upon-Avon families<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">We accept both government-funded hours and Tax-Free Childcare. Here&#8217;s how each scheme works, who qualifies, and how to apply \u2014 plus how we can help you use them alongside your sessions with us.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"#contact\">Ask us about funding<\/a><a href=\"#eligibility\">Check eligibility<\/a><a href=\"#funded-hours\">Funded hours<\/a><a href=\"#tax-free-childcare\">Tax-Free Childcare<\/a><a href=\"#how-to-apply\">How to apply<\/a><a href=\"#combining\">Combining schemes<\/a><a href=\"#faq\">FAQs<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Two main ways to fund your childcare<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Most families use one or both of these schemes alongside their fees with us. Both are accepted for our full-time, part-time and after-school places.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Government funded hours<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">15 or 30 hrs<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">per week, term time, for eligible families<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Funded childcare hours<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Working families in England can access up to 30 hours a week of funded childcare from the term after their child turns 9 months old, right up until they start school. Families who don&#8217;t meet the working criteria may still be entitled to 15 hours for eligible 2-year-olds, or the universal 15 hours for all 3\u20134-year-olds.<a href=\"#how-to-apply\">See how to apply \u2192<\/a><\/p>\n\n\n\n<pre class=\"wp-block-code\"><code>&lt;div class=\"bw-scheme-card\" id=\"tax-free-childcare\"&gt;\n  &lt;span class=\"bw-scheme-card__tag\"&gt;Tax-Free Childcare&lt;\/span&gt;\n  &lt;div class=\"bw-scheme-card__stat\"&gt;Up to \u00a32,000&lt;\/div&gt;\n  &lt;div class=\"bw-scheme-card__stat-label\"&gt;government top-up per child, per year&lt;\/div&gt;\n  &lt;h3&gt;Tax-Free Childcare&lt;\/h3&gt;\n  &lt;p&gt;For every \u00a38 you pay into a Tax-Free Childcare account, the government adds \u00a32 \u2014 up to \u00a32,000 per child per year (\u00a34,000 for a disabled child). It can be used to pay for the hours we provide outside of any funded entitlement, including breakfast, lunch and after-school sessions.&lt;\/p&gt;\n  &lt;a href=\"#tax-free-childcare-detail\"&gt;See how it works \u2192&lt;\/a&gt;\n&lt;\/div&gt;\n<\/code><\/pre>\n\n\n\n<h2 class=\"wp-block-heading\">Funded childcare hours, explained<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The funded hours scheme is run by the government and delivered through registered childcare providers like us. What you&#8217;re entitled to depends on your child&#8217;s age and your family&#8217;s working circumstances.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Scheme<\/th><th>Who it&#8217;s for<\/th><th>Hours<\/th><\/tr><\/thead><tbody><tr><td>30 hours funded childcare<\/td><td>Working families, child aged 9 months to school age<\/td><td>Up to 30 hrs\/week, 38 weeks a year<\/td><\/tr><tr><td>15 hours funded childcare (working families)<\/td><td>Working families who don&#8217;t yet meet the 30-hour threshold, or are transitioning<\/td><td>Up to 15 hrs\/week, 38 weeks a year<\/td><\/tr><tr><td>15 hours universal entitlement<\/td><td>All 3 &amp; 4-year-olds, regardless of parents&#8217; work status<\/td><td>Up to 15 hrs\/week, 38 weeks a year<\/td><\/tr><tr><td>15 hours for disadvantaged 2-year-olds<\/td><td>Families receiving certain benefits, or children with an EHC plan<\/td><td>Up to 15 hrs\/week, 38 weeks a year<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>To qualify as a working family,<\/strong> each parent generally needs to earn the equivalent of at least 16 hours a week at National Minimum or Living Wage, and neither parent can have an individual income over \u00a3100,000 a year. Universal Credit and some other benefits can also affect eligibility for the disadvantaged 2-year-old entitlement \u2014 we&#8217;re happy to help you check.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Funded hours can be stretched or used term-time only.<\/strong> We&#8217;re happy to talk through how your hours work across the year, including school holidays, so there are no surprises about what&#8217;s funded and what isn&#8217;t.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to apply for funded hours<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">1<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Check you&#8217;re eligible<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Use the government&#8217;s eligibility checker on GOV.UK, or ask us and we can point you in the right direction. You can apply from when your child is 23 weeks old.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Apply online<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sign in with your Government Gateway ID at GOV.UK, confirm your National Insurance number (and your partner&#8217;s, if you have one), and answer a few questions about your work and income over the next three months.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Get your code<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You&#8217;ll usually receive an 11-digit eligibility code within minutes, and always within 7 days. Save this somewhere safe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Share your code with us<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Give us your code, National Insurance number and your child&#8217;s date of birth before the term deadline, and we&#8217;ll take care of the rest.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">5<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Reconfirm every 3 months<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You&#8217;ll need to reconfirm your eligibility every three months through the same online account to keep your funding active. Missing reconfirmation is the most common reason families lose funding mid-year, so it&#8217;s worth setting a reminder.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Term deadlines matter.<\/strong> To start receiving funded hours from a given term, you typically need a valid code in place by 31 August (autumn term), 31 December (spring term) or 31 March (summer term). Apply in good time, as processing can take a few weeks if further checks are needed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tax-Free Childcare, explained<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tax-Free Childcare is a separate scheme from funded hours, and works a little differently. It&#8217;s useful for covering costs outside your funded entitlement, or if you don&#8217;t qualify for funded hours at all.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Detail<\/th><th>What applies<\/th><\/tr><\/thead><tbody><tr><td>Who it&#8217;s for<\/td><td>Working parents of children under 12 (under 17 if disabled)<\/td><\/tr><tr><td>Earnings requirement<\/td><td>Each parent must earn at least the National Minimum Wage equivalent of 16 hours a week<\/td><\/tr><tr><td>Income cap<\/td><td>Neither parent can earn more than \u00a3100,000 a year<\/td><\/tr><tr><td>Government top-up<\/td><td>\u00a32 for every \u00a38 you pay in, up to \u00a32,000 per child per year<\/td><\/tr><tr><td>Disabled child allowance<\/td><td>Top-up rises to \u00a34,000 per year<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Once your account is set up, you pay money in whenever suits you, and the government top-up is added automatically. You can then pay us directly from your Tax-Free Childcare account for any sessions not covered by funded hours \u2014 including breakfast, lunch, or after-school care.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Can you use both together?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Many of the families we work with combine funded hours with Tax-Free Childcare to cover the full picture of their childcare needs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Funded hours + Tax-Free Childcare<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Use your funded hours for the core weekly sessions, and Tax-Free Childcare to top up any extra hours, breakfast, lunch or after-school care beyond your entitlement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Funded hours + Universal Credit childcare element<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you receive Universal Credit, you may be able to claim back up to 85% of eligible childcare costs alongside your funded hours \u2014 but you cannot combine Universal Credit&#8217;s childcare element with Tax-Free Childcare, so it&#8217;s worth checking which works out better for your family.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tax-Free Childcare + workplace childcare vouchers<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re already registered for employer childcare vouchers, you generally can&#8217;t also open a new Tax-Free Childcare account \u2014 it&#8217;s usually one or the other, so compare which gives your family the better saving.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Every family&#8217;s situation is a little different. If you&#8217;re unsure which combination works best for you, the government&#8217;s <a href=\"https:\/\/www.gov.uk\/childcare-calculator\" target=\"_blank\" rel=\"noopener\">Childcare Calculator<\/a> on GOV.UK is a good starting point, and we&#8217;re always happy to talk it through.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Funding questions we&#8217;re often asked<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Do you accept funded hours and Tax-Free Childcare?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes \u2014 we&#8217;re an approved, Ofsted-registered provider and accept both government-funded hours and Tax-Free Childcare payments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">My child is younger than 9 months \u2014 can I still get funding?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Funded hours start from the term after your child turns 9 months old. Before that, Tax-Free Childcare is worth looking into if you meet the working criteria, as there&#8217;s no minimum age.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Will funded hours cover breakfast, lunch and extras?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Funded hours cover the childcare element of your sessions. Any optional extras \u2014 such as meals or snacks \u2014 may still carry a small charge, which we keep transparent and voluntary. Tax-Free Childcare can be used to cover these.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What happens if I forget to reconfirm my eligibility?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you miss a reconfirmation window, your funded hours can lapse and you may need to wait until the next term to restart them. We&#8217;d always recommend setting a calendar reminder every three months.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can I split my child&#8217;s funded hours between you and another setting?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, funded hours can usually be split between up to two childcare providers. Let us know if you&#8217;re doing this so we can coordinate the right number of sessions with you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How do I know exactly what I&#8217;ll pay after funding?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Get in touch with your child&#8217;s age and the days you&#8217;re considering, and we&#8217;ll talk you through a clear breakdown of what&#8217;s funded and what you&#8217;d pay directly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This page is a general guide to UK childcare funding schemes and isn&#8217;t financial advice. Eligibility rules, rates and deadlines are set by the government and can change \u2014 always confirm your personal entitlement using the <a href=\"https:\/\/www.gov.uk\/childcare-calculator\" target=\"_blank\" rel=\"noopener\">GOV.UK Childcare Calculator<\/a> or the <a href=\"https:\/\/www.gov.uk\/apply-30-hours-free-childcare\" target=\"_blank\" rel=\"noopener\">official application service<\/a> before making decisions based on it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Not sure what you&#8217;re entitled to?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tell us your child&#8217;s age and your circumstances, and we&#8217;ll help you work out which funding options apply to your sessions with us.<a href=\"#\">Get in touch<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Childcare Funding Making childcare more affordable for Stratford-upon-Avon families We accept both government-funded hours and Tax-Free Childcare. Here&#8217;s how each scheme works, who qualifies, and how to apply \u2014 plus how we can help you use them alongside your sessions with us. Ask us about fundingCheck eligibilityFunded hoursTax-Free ChildcareHow to applyCombining schemesFAQs Two main ways [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-39","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/bwchildminding.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/39","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bwchildminding.co.uk\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bwchildminding.co.uk\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bwchildminding.co.uk\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/bwchildminding.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=39"}],"version-history":[{"count":1,"href":"https:\/\/bwchildminding.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/39\/revisions"}],"predecessor-version":[{"id":41,"href":"https:\/\/bwchildminding.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/39\/revisions\/41"}],"wp:attachment":[{"href":"https:\/\/bwchildminding.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=39"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}