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Combined Income for Spouse Visa

Discussion in 'Rant and Rave' started by Zoey White, Oct 11, 2019.

  1. Zoey White

    Zoey White New Member

    Hello Everyone. I'm curious to know if anyone here tried combining incomes to reach the financial requirements in applying for a spouse visa such as employment and cash savings. What were your challenges and was the application successful? I'm keen to learn from your experiences.
  2. Heathen

    Heathen Active Member

    Yes i combined Employment, Pension, and cash savings on my second spouse visa application, and it was successful, there were not really any challenges you either meet the requirement or you dont, but you have to provide the proof that they request in the application, such as a letter from the pension providor stating how much you receive and from what date, oh and the Bank statements showing all your income verifying basically the income you have used in the application.

    You and your partner can use:

    • income from employment before tax and National Insurance (check your P60 or payslips) - you can only use your own income if you earn it in the UK
    • income you earn from self-employment or as a director of a limited company in the UK - check your Self Assessment tax return
    • cash savings over and above £16,000, the first 16k does not count, and which have been held 6 months or longer at the application date.
    • money from a pension.
    • non-work income, for example from property rentals or dividends
    If you're using income from employment, you'll need to prove you or your partner received that income for 6 months or more, I believe the self employment is 12 months proof.

    Here are the detailed requirements, https://assets.publishing.service.g...pendix-FM-1-7-Financial-Requirement-ext_1.pdf

    Basically you can mix and match any of the Income providing that you have the proof and have been held for 6 months or more..

    By the way, there is a specific topic on the Financial requirement down in the UK Visa and Immigration section, lots of help and advice on this topic.
    Last edited: Oct 12, 2019
    • Informative Informative x 1
  3. Zoey White

    Zoey White New Member

    Thanks for your reply. Our situation is that my husband's employment income is short by 3.5k out of the £18.6k financial requirement. But we now have £26k+ cash savings and we will continue to build it up until we're ready to place an application. I've read so much and now a bit confused if that will be enough.
  4. Mattecube

    Mattecube I have no need Trusted Member

    What you have is fine
    • Agree Agree x 2
    • Friendly Friendly x 1
  5. Heathen

    Heathen Active Member

    • Friendly Friendly x 1
  6. Br28016

    Br28016 Active Member

    Needs to have been in savings account for full six months. They will take the lowest balance in that period so need to have 16,000 plus 2.5 times 3,500 = 16,000 + 8,750 = 24,750 as the minimum balance in the bank account for the full six months before application.
    • Like Like x 1
  7. Zoey White

    Zoey White New Member

    Thanks for the reply everyone. Appreciate.

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