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What type of worker am I?

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  • 04-03-2019 11:48am
    #1
    CPTM
    Registered Users Posts: 1,321 ✭✭✭


    I was working in IT full time for 8 years, then I switched to contracting under an umbrella company about 1.5 years ago, and then I set up my own limited company for invoicing purposes about .5 years ago, staying with the same client

    How long have I been self employed from a mortgage application perspective? 1.5 years or .5 years?


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    #2
    kennethrhcp
    Registered Users Posts: 276 ✭✭kennethrhcp


    were you PRSI class A or S when contacting under the umbrella company?


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    #3
    OMM 0000
    Registered Users Posts: 3,733 ✭✭✭OMM 0000


    I would have thought 0.5 years, as technically you were employed by someone else when working for the umbrella company.


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    #4
    CPTM
    Registered Users Posts: 1,321 ✭✭✭CPTM


    kennethrhcp wrote: »
    were you PRSI class A or S when contacting under the umbrella company?

    I was PRSI class: S

    That's a good way to look at it, so from my perspective I have been self employed. But I wonder if the banks see it that way from a mortgage perspective!


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    #5
    srsly78
    Registered Users Posts: 7,157 ✭✭✭srsly78


    Doesn't matter. Just show them all your bank statements and accounts etc, if you can show a continuous record of good income and saving you are sorted.

    Note they will also want to see your company accounts, which is a massive violation of data privacy because they have no legal agreement with your company - but if you say no you get no mortgage :)


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