the larger schools may well bond you (oxford, jerez, etc). others will generally expect you to have the ratings. i would suggest a call around the fto's you want to work for to see what their current requirements are. me/ir instructors are in reasonably short supply. cpl instructors less so. if a school is short they may well offer you a deal to do the course with them, but as i say, the only way to find out is to get on the phone or visit.