Adequate maintenance question:

Hey there, one much shorter and quick follow up question:

When showing adequate maintenance, I know it has to be shown that 115 over pw is necessary, but how do you reflect that when rent is split?

 For example, my husband to be pays the majority of mortgage but his dad and brother pitch in as well. His aunt actually owns the house and I believe they pay her.

When showing adequate maintenance, I know it has to be shown that 115 over pw is necessary, but how do you reflect that when rent is split?

 For example, my husband to be pays the majority of mortgage but his dad and brother pitch in as well. His aunt actually owns the house and I believe they pay her.

You use the amount he pays towards it... and he can explain in his cover letter that he pays X amount of the mortgage and his dad and brother pay the rest.

So the calculation would be:

His total income - (his mortage contributation + his council tax contribution) = £114.85 per week or more

Does he have a record on his bank statements of the amount he pays each month? For example, a direct debit showing the mortgage payment going out, plus a transfer of the money from his dad and brother going in.

I can ask him about that. I'm afraid he pays cash but he would still have to withdraw it, surely. I might have to get individual letters from his brother and dad stating how much they make and hopefully they too can show what they pay in each month.

How would you go about organizing that?

Also, what exactly does his cover/sponsor letter need to include? Not just about this financial aspect but in general.

How would you go about organizing that?

What do you mean by organising?

One thing he can do is draw up a budget showing what he earns and what he spends on mortgage and council tax each month, so it outlines exactly what figures he's working with.

Also, what exactly does his cover/sponsor letter need to include? Not just about this financial aspect but in general.

It's not a cover letter, it's a Confirmation of Sponsorship letter. A cover letter can be written by the applicant (you) if you wish, but it should only introduce the contents of your application package and explain anything unusual about your documents, or any bad UK immigration history.

It should include the following:

To The Entry Clearance Officer

Paragraph 1: The fact that he is sponsoring your visa and how he is eligible to be your sponsor (he is a UK citizen)

Paragraph 2: His current income and benefits he claims and which financial category he meets (in his case, he is exempt from meeting the financial requirement due to his benefits).

Paragraph 3: Where you will live in the UK/ how he meets the accommodation requirement

Paragraph 4: A short history of your relationship, no more than 1 paragraph (i.e. how you first met, if online, when you also met in person; how often you see each other; when and where you got married; why you are choosing to settle in the UK together (as opposed to him moving to the US)

Finally, a list of all the documents he is contributing to the application - i.e. his passport, financial documents, accommodation documents

Oh okay, thanks.

By organizing, I mean, does his brother and dad need to provide statements showing what they pay in and writing a note too or will they take my fiancées word for what he contributes? Does it just need to be one month to show what he contributes to the mortgage, or a few months?

And just to be totally clear, the total(£114.85) is *after* rent, right?


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By organizing, I mean, does his brother and dad need to provide statements showing what they pay in and writing a note too or will they take my fiancées word for what he contributes? Does it just need to be one month to show what he contributes to the mortgage, or a few months?

To be honest, I'm not sure what they're looking for anymore - it used to be that this was the main financial requirement, but since the new rules came in in 2012, not many people apply as exempt anymore.

He must send 6 months of payslips (if he works) and bank statements showing his monthly income and outgoings.

And just to be totally clear, the total(£114.85) is *after* rent, right?

It's after rent AND after council tax.

Have you read through the maintenance requirements document? It shows how they calculate it (although the figures are out of date) and what documents you need to show:

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/452967/IDI_Adequate_Maintenance_and_Accommodation_Appendix_FM_Annex_1_7A.pdf

I have. It's just a bit confusing, to be honest. I think I'm getting it now. I was just unsure of how they'd like to see how the mortgage is distributed among them, if that's necessary. I'm not entirely sure about council tax either but he's looked at it too and said he was in the clear.


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I have. It's just a bit confusing, to be honest. I think I'm getting it now. I was just unsure of how they'd like to see how the mortgage is distributed among them, if that's necessary. I'm not entirely sure about council tax either but he's looked at it too and said he was in the clear.


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I don't really know how you're supposed to show the mortgage, since usually if people split rent, it's written up in a tenancy agreement.

However, if you were living with family members, they would just need to say in a letter how much he contributes in rent each month, so I don't see why it would be much different if he splits the mortgage.

Council tax is generally about £100 per month... it varies depending on the property though and the council tax band.

In terms of his calculation, how close is he to the £114.85? I'm just wondering if he would still meet the requirement if the full mortgage was considered - does he still have £114.85 left over if the entire mortgage payment is used? If so, then it won't matter about splitting the payments because he would meet the requirement anyway.

I'm not entirely sure. I believe so because I know he does pay the majority of the mortgage.

I'd like to show he's not entirely responsible just in case it is close but I'll verify with him. I can have the owner(his aunt) note how much everyone contributes, just to be safe.


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He says he doesn't pay council taxes himself, it's on a per household basis so it's figured into whatever their mortgage payment is and his  father is in charge of that portion.


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He says he doesn't pay council taxes himself, it's on a per household basis so it's figured into whatever their mortgage payment is and his  father is in charge of that portion.

Presumably the council tax is split between them too as part of the total they each pay?

I'm guessing they lump it together and then calculate how much each of them owes, so that he pays his mortgage contribution and council tax contribution in one payment?

If he is paying anything towards the council tax at all, he needs to include that as part of his financial requirement calculation.

Yes ma'am, that's what I figured. I'll get specifics from him and relay this. Thank you so so much for your help!

Also, I'll keep you updated so you know what they *do* look for in this situation. I know many don't use it anymore but just in case!