- We both now meet a the joint mutual income requirement and have earned over 18,500 in the past 12 months. That being said we do not have 12 months of payslips. We have 10. Would this have any bearing on the application so long as the requirement is met?
Just to note, the income requirement is £18,600, not £18,500 - in some cases, that £100 can be the difference between qualifying for the visa or not (I.e. you will qualify for the visa if you have earned £18,600, but your visa will be refused if you have only earned £18,550), so just wanted to make sure you were aware of it.
You do not need to have 12 full months of payslips if you have not been working for the entire 12 months. If you only worked for 10 months, then you will only have 10 months of payslips - the only thing that matters is that all the payslips added together come to £18,600 or more before tax.
For example, you might have been employed for 2 months and earned £8,000 between you, then unemployed for 3 months, then employed for 4 months and earned £4,000 between you, then unemployed for 1 month, then employed for 2 months and earned £7,000 between you. So, that would be £19,000 earned in the last 12 months, but only 8 months of actual employment. As long as you meet the £18,600 earned in the last 12 months, then it doesn't matter if you earned it all in the space, say 1 month or all 12 months.
So, you would provide all 10 months of payslips and then a full 12 months of bank statements from each of you.