Omg
Yes my husband meets the minimum. I was thinking my documents would be easier as he has to print out all his payslips, have them verified, and his bank statements (because he's paperless). BUT I can see now that this is the option we must use. I'll look over the requirements for using his pay. Off the top of your head could you tell me if we just need the last 12 months?
Yes, I would never recommend using self-employment income unless you absolutely HAVE to - it's the most complicated category and the hardest to qualify for.
As long as your husband has been with his company for at least 6 months, and earning at least £18,600 for the entire 6 months, you can apply under Category A.
For Category A, he will need:
- 6 full months of original payslips showing a minimum pre-tax income of at least £1,550 per month. If you are applying on 27th Sept, the latest must be dated no earlier than August 31st
- 6 full months of original bank statements showing the deposit of EVERY payslip, the latest dated no earlier than August 31st
- a letter from his employer (dated no earlier than August 31st) stating:
(i) the person's employment and gross annual salary;
(ii) the length of their employment;
(iii) the period over which they have been or were paid the level of salary relied upon in
the application; and
(iv) the type of employment (permanent, fixed-term contract or agency).
- his original job contract
- his latest P60
For payslips, if they are online, they just need to be printed stamped by HR or accompanied by a letter from HR confirming their authenticity. Or if HR can print some official ones for him, they will be considered original.
For bank statements, if they are printed at home from online banking, they need to either be stamped on every page by the bank or accompanied by a letter from the bank confirming their authenticity. Alternatively, if he orders the statements from the bank/receives them in the mail, or they print them in-branch, they are considered original.
So, for your husband, you just need 3 mandatory document types:
- payslips,
- bank statements,
- employer letter,
And 2 optional but recommended documents (as they may ask for them):
- P60
- job contract
However, for self-employment, you are required to send at least 9 different documents:
- business account bank statements
- personal account bank statements
- evidence of tax owed/paid
- HMRC tax return
- Statement of Account
- proof of HMRC registration
- tax reference number
- evidence of paying Class 2 NI contributions
- audited or unaudited accounts, or certificate of VAT registration and VAT return, or evidence of planning permission for the business, or a franchise agreement