1. Is there any benefit to both myself and my husband submitting our financial info if either one of us meets the income requirement on our own?
No, there isn't. In fact, it complicates things, because if you include both incomes, you have to include two lots of full financial requirement evidence, which means more documents to gather and check, and more risk of getting something wrong/forgetting something.
If you meet the income requirement with just one of your salaries, only mention that salary on the application, and only include the documents related to that person's income. If both of your incomes meet it separately, I would go with the one that is easiest to provide evidence for (i.e. say one of you is self-employed and the other is in salaried employment, use the salaried employment income).
2. We have both received payrises in the past 6 mos, but our salaries before those were still over the income requirement. Would 12 mos of payslips/bank statements be necessary or is 6 mos still ok?
Nope, 6 months is all you need. If you're applying under Category A, then they can only consider the most recent 6 months anyway, so the extras won't even be looked at.
They will just use the lowest payslip from the 6 months to calculate the salary used to meet the requirement, so as long as the salary was at £18,600 before the payrise, you will be fine.
3. Neither of us have employment contracts as such, but we are employed on a permanent basis. Would the letter from employers cover this? I seem to remember it did for my husband on my spouse visa.
The mandatory documents are:
- 6 months of payslips
- 6 months of bank statements
- employer letter
Optional documents (but they might ask for them) are:
- original job contract
- latest P60
4. My employer does not use paper payslips or P60s- would print outs of my PDF payslips & P60 be sufficient? If not, what would?
You can use printouts, but they should be stamped/signed by HR or accompanied by a letter confirming their authenticity.
Alternatively, you could see if HR will provide you with official copies of them.
5. I received a letter some time ago from HMRC stating I had underpaid tax for last year, but that it would be automatically deducted from my pay next year. Will this be an issue? I didn't do anything because the letter said I didn't need to.
I would include the letter and explain it in the application. I assume it won't be an issue, but I really don't know for sure.