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USA Employed But UK Employee

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I was wondering if anyone could help that has a similar situation to myself..

I will be working full-time remotely for a USA company, although I am a UK citizen.

(I have no address in the USA and don't have a SSN.)

My problem is.. they want to add me to their payroll but unfortunately are unable to due to me living in the UK. What other options do I have in order to get paid e.g. self-employed / contractor etc, as I'll need a contract from the company still due to needing it for a mortgage to show financial stability?

Any advice or tips welcome. 😊

Thank you!

Comments

  • DullGreyGuy
    DullGreyGuy Posts: 18,613 Forumite
    10,000 Posts Second Anniversary Name Dropper
    Self employed contractor or operating via your own ltd are the obvious two options depending on if your situation and monies lends itself more to one or the other. As the former the US company may still need to do a W8-BEN and they run "misclassification" risk, kind of like the UK IR35.

    Alternatively they could hire you through an EOR, kind of the US equivalent of an umbrella company but the fees for them are relatively high. 

    Personally, have always engaged via my LTD with US clients.
  • Marcon
    Marcon Posts: 14,394 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper Combo Breaker
    I was wondering if anyone could help that has a similar situation to myself..

    I will be working full-time remotely for a USA company, although I am a UK citizen.

    (I have no address in the USA and don't have a SSN.)

    My problem is.. they want to add me to their payroll but unfortunately are unable to due to me living in the UK. What other options do I have in order to get paid e.g. self-employed / contractor etc, as I'll need a contract from the company still due to needing it for a mortgage to show financial stability?

    Any advice or tips welcome. 😊

    Thank you!
    Limited company is a better bet than self employed - should save any arguments with HMRC.

    Make sure the contract is between the American company and your limited company, NOT with you personally.
    Googling on your question might have been both quicker and easier, if you're only after simple facts rather than opinions!  
  • MeteredOut
    MeteredOut Posts: 3,050 Forumite
    1,000 Posts Second Anniversary Name Dropper
    edited 14 June 2024 at 2:56PM
    Ltd company is also better from a protection perspective. Not sure what kind of work you do, and its probably unlikely, but you don't want to be held liable personally if any work you do causes losses and someone starts litigation. Ensure your company insurances covers the US - your company will undoubtedly have pay more for this and you may have to go via a broker.

    You say you've already been working for them. On what legal basis? How have you been getting paid? Any withholding of funds to date?

    I'd personally not risk working on a self-employed basis for a US company given the impact if something goes wrong, even though very unlikely.
  • penners324
    penners324 Posts: 3,511 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    There are plenty of online payroll companies they can use. Or use an Employer of Record service 
  • LinLui
    LinLui Posts: 570 Forumite
    500 Posts Name Dropper
    edited 17 June 2024 at 6:09PM
    With respect, US companies employ people in other countries all the time. You might want to consider why they can't. 
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