Hi team,
My first post - thanks for having me here.
I am near future, first time buyer. My chosen mortgage broker provide me 2-year fixed rate mortgage rate of 3.11% which feels VERY high.
I have been IT contracting since 2016, working for the same employer for 18 months, used to work under Ltd since may 2019, then switched to Umbrella because IR35 changes in March 2020, still working for the same employer toalling 18 months, based on 3 months extensions.
I realize that it is a subjective matter but wonder if anyone can give an idea what rate I should expect or give me own experience?
My mortgage application is based on 2 applicants where my partner is full time employed on PAYE.
Many thanks!
My first post - thanks for having me here.
I am near future, first time buyer. My chosen mortgage broker provide me 2-year fixed rate mortgage rate of 3.11% which feels VERY high.
I have been IT contracting since 2016, working for the same employer for 18 months, used to work under Ltd since may 2019, then switched to Umbrella because IR35 changes in March 2020, still working for the same employer toalling 18 months, based on 3 months extensions.
I realize that it is a subjective matter but wonder if anyone can give an idea what rate I should expect or give me own experience?
My mortgage application is based on 2 applicants where my partner is full time employed on PAYE.
Many thanks!
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