100% Mortgages

peterc2609

But you've said I should use a broker... so I've tried an they came back with 8.4%!!!

All these deals are out there, but I cant seem to find a broker who can help me.

tinkerbell84

peterc2609 wrote: »

It is one contract yes. I have been on this contract for 2.5 years. It is quite secure. If it ended, I have very sought after skills which would not see me out of work for very long.

My partner is a consultant too. No such thing as secure - first signs of a recession, it's the consultants that get the bullet first. He has more work than he can handle at the moment (financial sector) and is Director in 2 seperate companies (1 would be more stable if the consulting dried up).

Even so, he's worried about the state of the financial world at the moment. We have provision in case things deteriorate and the work dries up. Even with his 'highly sought after skills' he can't guarantee the future. If companies can't afford contractors, there won't be work.

£230 a day isn't much for consultancy (depending on your area/skills).

peterc2609

230 isn't a lot....

My rates have increased by over 50% since 2 years ago...

At the moment the IT Contract market is great....

What with Vista, Office 2007, Server 2008, Sharepoint 2007, SMS, RADIA etc all going big..

I''l be ok in my job!

tinkerbell84

If you've been there 2.5 years, you could have the same rights as a permanent employee. Couldn't you ask them to take you on permanently? That would get rid of the whole 'self employed' thing.

tinkerbell84

peterc2609 wrote: »

230 isn't a lot....

My rates have increased by over 50% since 2 years ago...

At the moment the IT Contract market is great....

What with Vista, Office 2007, Server 2008, Sharepoint 2007, SMS, RADIA etc all going big..

I''l be ok in my job!

It isn't a lot. Even the junior consultants in OH's company bring in £350 or more per day. Directors bring in up to £1k a day on 6 month contracts.

I said it depends on the kind of consulting. Theirs is extremely specialist - the don't touch mainstream stuff (or Microsoft) - there's not much money in it!

peterc2609

It all depends where you are based as well!

I could double my wage by moving south... I'm in North West!

The company wont take me on permanently.... already asked! There are a few of us in the same situation.

tinkerbell84

peterc2609 wrote: »

It all depends where you are based as well!

I could double my wage by moving south... I'm in North West!

The company wont take me on permanently.... already asked! There are a few of us in the same situation.

They work for companies in Manchester and Liverpool for not far off those rates. Obviously the London work is the most lucrative, but their offices and support staff are in the Midlands so they don't have the enormous overheads.

Anyway, more money or permanenet work might put you in a better position for a mortgage. Just my thoughts on the matter.

peterc2609

Oooohhh Manchester and Liverpool??

What is the company?? PM me if you like!! Always looking for a better rate! What do they specialise in?

Permanent might be better, although dosn't pay as well... But I'mm looking to purchase a house in the next few weeks rather than months!

tinkerbell84

peterc2609 wrote: »

Oooohhh Manchester and Liverpool??

What is the company?? PM me if you like!! Always looking for a better rate! What do they specialise in?

Permanent might be better, although dosn't pay as well... But I'mm looking to purchase a house in the next few weeks rather than months!

main business is software development.

La_Contessa

peterc2609 wrote: »

Who still offers these?

Also... I don't mean to be cheeky... but can people keep their opinions to themselves... I just want to know who still offers them...

I don't want advice, such as, save a deposit, the housing market it going to crash, dont eat yellow snow...

Just the facts please!

Thanks youuuuuu!!!!

no adivce ....but you is da man....... I just posted a question and someone just asked me if I could really afford a 25 year mortgage....

I wanted to know best deals on a 90% self cert ltv :eek: ......I mean I'm self employed and i want some advice y'now....tut tut..