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Is Agency work classed as casual for mortgage

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  • 09-06-2018 12:59pm
    #1
    bri007
    Registered Users Posts: 1,375 ✭✭✭


    Hi, just a quick question.

    I am permanent employment through an agency, they signed the salary cert for the purpose of obtaining a mortgage, however they only put down my hourly rate in the salary section and classed it as irregular in the options box.

    Would this be deemed as casual employment now?

    Thanks in advance


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    #2
    The_Conductor
    Moderators, Society & Culture Moderators Posts: 32,285 Mod ✭✭✭✭The_Conductor


    Agency work is normally classified as casual in nature- it doesn't matter whether you consider yourself to be permanent or not- no-one else does..........
    Whether its acceptable for the purpose of putting in a mortgage application- you really need to contact a mortgage broker/independent financial advisor and see what they can find for you.

    I did a few years for Grafton in an organisation- and was turned down for a mortgage when I applied.


  • Options
    #3
    bri007
    Registered Users Posts: 1,375 ✭✭✭bri007


    Thanks for the reply.

    Yeah I was fearing that would be the case!

    We are going for the rebuilding ireland mortgage now, I'd say we will get the same answer from them too!


    The_Conductor wrote: »
    Agency work is normally classified as casual in nature- it doesn't matter whether you consider yourself to be permanent or not- no-one else does..........
    Whether its acceptable for the purpose of putting in a mortgage application- you really need to contact a mortgage broker/independent financial advisor and see what they can find for you.

    I did a few years for Grafton in an organisation- and was turned down for a mortgage when I applied.


  • Options
    #4
    Mrs OBumble
    Registered Users Posts: 25,950 ✭✭✭✭Mrs OBumble


    bri007 wrote: »
    Hi, just a quick question.

    I am permanent employment through an agency, they signed the salary cert for the purpose of obtaining a mortgage, however they only put down my hourly rate in the salary section and classed it as irregular in the options box.

    Would this be deemed as casual employment now?

    Thanks in advance

    Do you have a letter from them saying you have a contract of indefinite duration? If you do then you're a permanent employee and need to be paid redundancy if the work dries up. The fact that you do the work on the premises of their client and are paid hourly is irrelevant.

    If not then you're a temp.


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