I buried my daughter in the back garden, it is quite a lot of work
We had to call the mortgage company and ask for permission. The guy on the phone was rather taken aback and had no idea, guessing it’s not a daily call. The bank clearly thought it was a sensitive issue and wrote a very vague letter ‘we have no objection to the issue discussed’ so we had to ask them to be clearer and finally got a letter saying ‘ we have no objection to you burying your dead daughter in the back garden’
Also had to ring the council to discuss the position of water courses and the woman who answered the phone burst into tears and left and her boss picked up the phone thinking DH must have been abusive to her.
We had a map of the garden and had to make a plan as to what we’d do when we died as more than two bodies you need planning permission as a cemetery. Finding a grave digger took work too but funeral directors did it. Don’t know what the neighbours thought, it was a garden in a terrace in Streatham.
However we did at least exhume her when we moved! £2000 it cost us. Not sure I’d do it again. Apparently it doesn’t reduce your house value though.