FLR (M) Application Help

Hi All,

I'm nearly able to start submitting for the second round of my FLR(M) which expires on 8th July.

For a bit of background; my husband (a British citizen) and I relocated here in 2016, bought our house that same year and got married in 2017.

I (applicant) cover the necessary financial requirements, but just want to make sure I have the right/necessary cohabitation documents.

If some one can please check this that would be greatly appreciated;

July 2018 - Joint letter from Bank A regarding our mortgage
Sep 2018 - Joint Bank statement
Nov 2018 - Joint letter from Bank A regarding our mortgage
Dec 2018 - Joint Mortgage statement from Bank B (we renewed our mortgage with a different bank)
Jan 2019 - Solicitor letter addressed to both parties
Feb 2019 - Joint Water Bill
Mar 2019 - Joint Council Tax
Apr 2019 - Credit Card Statement (sponsor)
Jun 2019 - Utility Bill (sponsor)
Aug 2019 - Joint Bank statement
Nov 2019 - NHS Letter (applicant)
Dec 2019 - Joint Mortgage statement from Bank B
Feb 2020 - Joint Water Bill
Apr 2020 - Joint Bank statement
Jun 2020 - Utility bill (applicant only)

We don't have individual correspondence for the same months, is that going to much of an issue?

Also can we use credit card statements that are not from a bank? Like a Tesco credit card?

Thanks so much in advance

Okay, so for your cohabitation documents, you need 6 in each name, spread every 4 months, from at least 3 official sources.

So, you will want documents from:
June 2018
November 2018
March 2019
June 2018
November 2018
March 2019
Optional extra: June 2020

Let's see what you have from those months:

June 2018
1. Joint - July 2018 letter from Bank A regarding our mortgage (Source 1)... do you have anything you can use from June 2018 instead?

November 2018
2. Joint -  letter from Bank A regarding our mortgage

March 2019
3. Joint - Council Tax (Source 2)

June 2019
4. Sponsor:  Utility Bill (Source 3)
4. Applicant: ?

November 2019
5. Sponsor: ?
5. Applicant: NHS Letter (Source 4)

March 2020
6.Applicant: ?
6. Sponsor: ?
Do you have another council tax bill you can use?

Optional extra: June 2020
7. Sponsor: ?
7. Applicant: Utility bill

So, you currently have 4 documents in the sponsor's name and 5 documents in the applicant's name, but you need 6 in each name (7 in each name if you are using June 2020 as well).

You're missing documents from the following months:

Sponsor:
November 2019
March 2020 - council tax?
June 2020

Applicant:
June 2019
March 2020 - council tax?

Yes, you can use credit card statements, but what about using monthly bank statements?

As long as you are receiving paper bank statements each month, you can just fill in the gaps with a bank statement for each missing month.

Thanks. I'm concerned about only using 3 sources in joint names as a lot of posts I have read say to use more.  I can't find the guidance on the gov.uk website that says 3 sources are suffice.  Are you able to provide me a link to this?

Will these options be ok?

OPTION ONE
June 2018 - Joint Bank statement (source 1)
Nov 2018 - Joint letter Bank A regarding our mortgage (source 2)
Mar 2019 - Joint Council Tax statement (source 3)
June 2019 - Joint Bank Statement (part of source 1)
Nov 2019 - Applicant NHS Letter & Sponsor Utility Bill (source 4)
Mar 2020 - Applicant Credit Card & Sponsor Credit Card (source 5)
Optional: June 2020 - Applicant Utility Bill & Sponsor Internet/Phone Bill (source 6)

OPTION TWO
June 2018 - Joint Bank statement (source 1)
Nov 2018 - Joint letter Bank A regarding our mortgage (source 2)
Mar 2018 - Joint Council Tax statement (source 3)
June 2019 - Joint Bank statement (part of Source 1)
Nov 2019 - Joint Bank statement (part of source 1)
Mar 2020 - Joint Council Tax statement (part of source 3)
Optional: June 2020 - Applicant Utility Bill & Sponsor Internet/Phone Bill (source 4)
 
Option 2 seems more straight forward, but if I did opt for option 1 (as I am concerned about only having 3 sources will this also be suffice?

Back in January a friend went for her appointment for the same visa and they asked her for more documents than the above 2 options, which is why I'm a bit concerned.

Thanks again.

Thanks. I'm concerned about only using 3 sources in joint names as a lot of posts I have read say to use more.  I can't find the guidance on the gov.uk website that says 3 sources are suffice.  Are you able to provide me a link to this?

It is definitely 3 sources. It comes up in the actual application at the end. One of our members copied and pasted the whole thing to a google doc in this thread. Be aware though that some of the application will change based on the answers you give but the correspondence requirement is universal.

https://talk.uk-yankee.com/index.php?topic=97992.0

Items of correspondence addressed to Mrs WIFE NAME and Mr HUSBAND NAME at the same address as evidence you have been living together since your last grant of leave in this category, or from the date you first started living together, covering the last 2 years
    
You must provide at least 6 items of correspondence, addressed to you and your partner jointly or in both your names. The dates of the items of correspondence should be spread evenly over the whole 2 years.They should be from at least 3 different sources. If you do not have enough items in your joint names, you may also provide items addressed to each of you individually if they show the same address for both of you. For example - 4 items of correspondence in joint names to the same address and 2 items addressed to each partner at the address. In total 8 items would need to be submitted. If you and your partner have no bills or correspondence in joint names, you will need to submit 12 items (6 each) of correspondence evidencing that you reside together at the same address.
    
Examples of acceptable evidence include:
    
Letters or other documents from government departments or agencies, for    example HM Revenue and Customs, Department for Work and Pensions,    DVLA, TV Licensing
    
Letters or other documents from your GP, a hospital or other local health    service about medical treatments, appointments, home visits or other medical matters
    
Bank statements or letters
    
Building society savings books or letters
    
Council tax bills or statements
    
Electricity or gas bills or statements
    
Water rates bills or statements
    
Mortgage statements or agreement
    
Tenancy agreement(s)
    
Telephone bills or statements

It is also explained the same way in the old paper form. I'll try to find an archived copy.

Here it is. http://bingham.butterworths.co.uk/PDF/level1/hoflrm.pdf

ps. Stop listening to those people who are telling you you need more than 3 sources! 

Thanks so much!

So you think that submitting either Option 1 or Option 2 should be ok then?

Thanks so much!

So you think that submitting either Option 1 or Option 2 should be ok then?

If the bank letter about the mortgage is from the same bank as the bank statements, then both would be considered from the same source. But you have more than enough in either scenario anyway so either one is fine as long as you include June 2020 in option 2.

Thank you.  The bank letters are from different banks so that will be 2 sources.

Can I just check what is the maximum amount of times that you can reuse a source?  Say joint bank statements - how many times can we use this?

Thank you.  The bank letters are from different banks so that will be 2 sources.

Banks are one source only: a financial institution. You could have letters from 5 different banks and it would still be only 1 source.

BUT if one is a mortgage letter and another is a bank statement, that’s 2 sources (mortgage lender and bank).

Can I just check what is the maximum amount of times that you can reuse a source?  Say joint bank statements - how many times can we use this?

As many times as you like as long as you have at least 2 other sources.

So, you could use, for example,
10 individual bank statements from various different banks (source 1)
1 joint water bill (source 2)
1 joint council tax bill (source 3)


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Banks are one source only: a financial institution. You could have letters from 5 different banks and it would still be only 1 source.

We have our joint bank statements (source 1) and joint mortgage statements (source 2).  So from what you are saying that should be 2 sources, is that right?

We have our joint bank statements (source 1) and joint mortgage statements (source 2).  So from what you are saying that should be 2 sources, is that right?

Yes, if they are different types of statements, that’s two sources:
- one bank statement showing money in an account
- one mortgage statement showing you have a mortgage on a property

When it comes to bank statements being only one source, that would be statements from different banks but for the same type of thing.

For example, a current account bank statement from NatWest and a current account bank statement from Halifax would be one source, because they are both evidence of a bank account.


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Hi,

I'm planning on submitting my application this weekend, but just have a couple of questions;

1. Financial Requirements  - I earn base salary + commission (my base salary is above the requirement). On the application it asks what my annual salary is. I earn a base salary (above the threshold) plus commission. Do I use my base salary or use the salary that is on my P60?
If I enter my base salary, this increased from 1st May. Do I use this salary or the salary I was earning from May 19 (my last pay increase)

2. Bank Statements - We have joint bank statements we want to use for evidence. These statements cover a range of dates i.e. Jan 2020 - May 2020. Could I use this statement for evidence for the month March 2020?

Thanks

1. Financial Requirements  - I earn base salary + commission (my base salary is above the requirement). On the application it asks what my annual salary is. I earn a base salary (above the threshold) plus commission. Do I use my base salary or use the salary that is on my P60?
If I enter my base salary, this increased from 1st May. Do I use this salary or the salary I was earning from May 19 (my last pay increase)

You should not be submitting your online application until you have researched all of this, got all your documents ready, checked and double-checked that they meet ALL the requirements... and then finally, you can submit the online application.

For the salary, you use your contracted base salary... which should be listed on your payslips AND in your employer letter.

2. Bank Statements - We have joint bank statements we want to use for evidence. These statements cover a range of dates i.e. Jan 2020 - May 2020. Could I use this statement for evidence for the month March 2020?

If you mean for the correspondence documents showing cohabitation, then no, you can’t use for March 2020. The documents you use for the correspondence must have been MAILED to you in the months you are providing evidence for... because you have to show you physically relieved that correspondence through your letterbox in March 2020. If the bank statement was issued and sent to you in May 2020, it can only be used as evidence for May 2020, not March.

Therefore, you will need to provide document(s) that you actually received in the post in March.


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