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Recent content by tractor123

  1. T

    Nothing to do but client wants to keep me.

    I was in a similar position for a while. The client kept renewing me for 6 months (3 times) and there was nothing to do... I even run out of personal projects to do at work, but had to stay put until house purchase was finalised. Now I'm one week into a new gig and feeling refreshed. I have...
  2. T

    Anyone with Harvey Nash at the minute?

    I am with HN. They said they don't do weekly pay, but I insisted and they agreed... worth a try
  3. T

    Leaving drinks?

    Is it rude not to do leaving drinks etc? My current gig was long and boring, I didn't really make many friends or had a big part in the project. I'd prefer just to leave without doing anything
  4. T

    First time house buyer

    I bought my first house a month ago, at the time I was contracting for less than a year. I spoke with banks directly, then with various brokers recommended on this forum. Finally, I went ahead with a free broker from this site who said I will be able to get mortgage with a deposit I had, but...
  5. T

    Lorien

    Thanks northernladuk. Qdos didn't have any issues with this clause, so I didn't negotiate this change.
  6. T

    What is the General View on Leaving A Contract Early With Notice?

    I read a lot on this topic over the last few months... I had 6 months contract renewed 2 times, the last few months were horrible - boring tasks and very slow. I was waiting for house purchase to be finalized, so couldn't leave. Finally, I accepted 3rd extension, did some work for a couple more...
  7. T

    3 Week Christmas / NY Contractor Freeze

    It can be annoying but I think it's normal these days. My client's company closes for 2 weeks on Christmas, so not many options here. My partner is a permie, forced to use holidays or take unpaid days for 3 weeks over Christmas... looks like we will have plenty of time to catch up :laugh
  8. T

    Lorien

    Thanks for responding :) Yes, looks like the client wants this clause - agency can't change it. The client only agrees to remove it if Qdos confirms that it's a red flag in terms of IR35... Submitted it for review, we'll see
  9. T

    Lorien

    Did any of you see a clause about trial period with Lorien? I just received a contract with 7 day trial period and they say they can't remove it due to 'legal reasons'. I am still negotiating - any advice?
  10. T

    Less than 12 months contracting history - mortgage

    Thanks! Will do
  11. T

    Less than 12 months contracting history - mortgage

    Thanks, I'll try to get AIP this week. With house prices going up, I thought it would make sense to buy sooner rather than later, but obviously I am not the most desirable mortgage customer at this point.
  12. T

    Less than 12 months contracting history - mortgage

    Thanks. To be honest my current deposit is just over 10% which is not much. I am just in process of doing my research online. Will also speak to another broker just to see if he/she will say the same thing.
  13. T

    Less than 12 months contracting history - mortgage

    Thank you. I suppose this is what I was afraid to hear. Really started doubting about the whole mortgage idea now. Maybe it makes sense to wait until I at least file my 1st year contracting accounts before trying again
  14. T

    Less than 12 months contracting history - mortgage

    Do you know if they accept less than 12 months accounts? Should I go directly to them or via broker? I used one of the brokers from this website and she says my only option is Halifax as I have been contracting for less than a year. I'd like to have a choice and ability to compare at least...
  15. T

    Less than 12 months contracting history - mortgage

    I've been lurking around for over a year, decided to create an account now that I have a question. I have applied for a mortgage via broker with less than 12 months contracting history, and she seems to only have access to one mortgage product with pretty high rate. Is this right? Don't I have...
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  1. Contracting
    1. General
      1. Brexit
    2. Business / Contracts
      1. Coronavirus Assistance
    3. Accounting / Legal
      1. Umbrella Companies
      2. HMRC Scheme Enquiries
      3. The Future of Contracting
      4. IR35 Reform
    4. Technical
    5. Welcome / FAQs
  2. Social
    1. Light Relief
    2. Social / Events
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