FLR(M) documents

Hi everyone! It's that time again where we're applying for FLR(M). I was wondering if anyone would mind checking our document list as we make final preparations to submit in the next week or so.

Our documents are:

Application Documents
Applicant passport
BRP
Spouse passport
Part 1 consent statement (Do I need part 2 – there are no joint accounts?)

Accommodation
Registry document
Annual mortgage statement dated April 2020
Council tax statement dated March 2020

Financial
Printed copy of P60 dated April 2020
Payslips dated 30 March – 30 September 2020
Bank statements covering 7 March 2020 – 7 October 2020
Signed employment contract
Letter from employer stating job title, contract type, date I started working there, the salary I was paid

Correspondence
October 2018
Phone bill (applicant)
Bank statement (sponsor)

February 2019
Mobile phone bill (applicant)
Credit card statement (sponsor)

June 2019
Credit card statement (applicant)
electricity statement (sponsor)

October 2019
Phone bill (applicant)
Bank statement (sponsor)

February 2020
Mobile phone bill (applicant)
Credit card statement (sponsor)

June 2020
Credit card statement (applicant)
credit card statement (sponsor)

October 2020
phone bill (applicant)
pension statement (sponsor)

Other
Marriage certificate

We wondered whether the pension statement was an acceptable source? The alternative would be another credit card statement, which would make the sponsor have a letter from the same source 3 times in a row.

I was also wondering if we needed to include any photos, and when we get to the end of the application, if we need to include the consent statement part 2 as we have no joint accounts?

Thanks

Just going to rearrange your upload sections slightly, as the documents are not all in the correct sections:

Application Documents
Applicant passport
Part 1 consent statement (Do I need part 2 – there are no joint accounts?)... you need to include: Sponsor's Declaration, plus Part 2 if you have any documents with both your names on them.... bear in mind that someone on the forum was asked to sign and submit Part 2 even though they did not have any joint accounts, so it might be worth just signing it anyway

Proof of Identity/Travel History
- Applicant's BRP
- Spouse UK passport

Residence in the UK
Accommodation
Registry document
Annual mortgage statement dated April 2020
Council tax statement dated March 2020
Cohabitation
October 2018
Phone bill (applicant)
Bank statement (sponsor)
February 2019
Mobile phone bill (applicant)
Credit card statement (sponsor)
June 2019
Credit card statement (applicant)
electricity statement (sponsor)
October 2019
Phone bill (applicant)
Bank statement (sponsor)
February 2020
Mobile phone bill (applicant)
Credit card statement (sponsor)
June 2020
Credit card statement (applicant)
credit card statement (sponsor)
October 2020
phone bill (applicant)
pension statement (sponsor)

Finances
Printed copy of P60 dated April 2020
Payslips dated 30 March – 30 September 2020
Bank statements covering 7 March 2020 – 7 October 2020
Signed employment contract
Letter from employer stating job title, contract type, date I started working there, the salary I was paid

Other
Marriage certificate

We wondered whether the pension statement was an acceptable source? The alternative would be another credit card statement, which would make the sponsor have a letter from the same source 3 times in a row.

Yes, the pension statement is fine. It doesn't matter how many times you use each source, as long as you have at least 3 different sources in total. You have 4 different sources, so you're fine.

I was also wondering if we needed to include any photos, and when we get to the end of the application, if we need to include the consent statement part 2 as we have no joint accounts?

No photos should be included.

As I put in blue above, it may be worth signing Part 2 anyway, just in case... as someone was contacted and asked to supply it after they applied, even though they didn't have any joint accounts.

Hi everyone! It's that time again where we're applying for FLR(M). I was wondering if anyone would mind checking our document list as we make final preparations to submit in the next week or so.

Our documents are:

Application Documents
Applicant passport
BRP
Spouse passport
Part 1 consent statement (Do I need part 2 – there are no joint accounts?)

Accommodation
Registry document
Annual mortgage statement dated April 2020
Council tax statement dated March 2020

Financial
Printed copy of P60 dated April 2020
Payslips dated 30 March – 30 September 2020
Bank statements covering 7 March 2020 – 7 October 2020
Signed employment contract
Letter from employer stating job title, contract type, date I started working there, the salary I was paid

Correspondence
October 2018
Phone bill (applicant)
Bank statement (sponsor)

February 2019
Mobile phone bill (applicant)
Credit card statement (sponsor)

June 2019
Credit card statement (applicant)
electricity statement (sponsor)

October 2019
Phone bill (applicant)
Bank statement (sponsor)

February 2020
Mobile phone bill (applicant)
Credit card statement (sponsor)

June 2020
Credit card statement (applicant)
credit card statement (sponsor)

October 2020
phone bill (applicant)
pension statement (sponsor)

Other
Marriage certificate

We wondered whether the pension statement was an acceptable source? The alternative would be another credit card statement, which would make the sponsor have a letter from the same source 3 times in a row.

I was also wondering if we needed to include any photos, and when we get to the end of the application, if we need to include the consent statement part 2 as we have no joint accounts?

Thanks

Welcome.  . It looks good. I agree, sign it anyway, even if no joint accounts.

Thank you both 

I think we're almost there - last few questions before submitting!!

Regarding the financial / payslip requirement. For various reasons (mostly my payroll department messing up), my salary is a bit complicated. It has been above the £18.6k (for >6 months) but has been 3 different amounts.

So in the letter from my employer, I've asked them to state all three salaries and the length I was paid each. This reads as:

"Gross Salary Paid:
- £32k from 1 Apr 2020 - present (pay award applied in May 2020, backdated to 1 Apr 2020)
- £31k from 30 Mar 2020 - 31 Mar 2020 (promotion)
- £29k from 1 Apr 2019 - 29 Mar 2020 (pay award applied in June 2019 and backdated to 1 Apr 2019)"

The (potential) issue is the gross annual salary stated on my payslips don't completely match those amounts:

- Payslip 31 Mar - £29k
- Payslip 30 Apr - £31k
- Payslip 30 May - £32k

To be clear, the letter says I was paid £32k from 1 Apr, but my payslips won't show that salary until 30 May as that was when the higher pay award was agreed. That means my payslips show the £31k salary I was paid between 30 Mar - 31 Mar 2020 all the way until 30 May.

Q: Is it worth writing a cover letter to try and explain this - part of me thinks that'll make it even more unclear!

I was also overpaid in June, had it deducted in July (but they deducted twice as much as they should), then had the over-deducted put back on in August - will the lower payment in July affect anything? It was still over £18.6k after the deduction.

Q: Should I use the July salary as my 'gross salary' on the application as its the lowest earned over the six months (even though it was an error?)

On the application form where it says:

"Have you been employed by the same employer continuously for six months" - leads to a follow-up question:

"What do they earn"

• The same amount continually, above the financial requirement
  The same amount continually, below the financial requirement
  Not the same amount continually, above the financial requirement
  Not the same amount continually, below the financial requirement

Q Given what I've said above, should I answer continually, or not continually - and if I answer not continuously, do I need to provide any extra documents?

Finally, when I'm scanning my original payslips (they're the small rectangular, folded over style ones), do I need to scan both sides or just the side with the information on it?

To be clear, the letter says I was paid £32k from 1 Apr, but my payslips won't show that salary until 30 May as that was when the higher pay award was agreed. That means my payslips show the £31k salary I was paid between 30 Mar - 31 Mar 2020 all the way until 30 May.

Q: Is it worth writing a cover letter to try and explain this - part of me thinks that'll make it even more unclear!

No, it should be explained by your employer in their employer letter. They should state that the payrise was effective 1st April but not reflected in your payslip until 30th May.

I was also overpaid in June, had it deducted in July (but they deducted twice as much as they should), then had the over-deducted put back on in August - will the lower payment in July affect anything? It was still over £18.6k after the deduction.

No, it won’t affect anything but this overpayment and deduction must also be explained by your employer in the letter.

Q: Should I use the July salary as my 'gross salary' on the application as its the lowest earned over the six months (even though it was an error?)

No, you put your current salary as your gross salary as that is what they will check against the employer letter and will use to work our your future annual salary.

However, when they actually calculate your last 6 months of income they will take your lowest payslip and multiply it by 12. As long as this is £1550 or more, you will meet the requirement.

On the application form where it says:

"Have you been employed by the same employer continuously for six months" - leads to a follow-up question:

"What do they earn"

• The same amount continually, above the financial requirement
  The same amount continually, below the financial requirement
  Not the same amount continually, above the financial requirement
  Not the same amount continually, below the financial requirement

Q Given what I've said above, should I answer continually, or not continually - and if I answer not continuously, do I need to provide any extra documents?

You answer:

“The same amount continually, above the financial requirement”

The question is vague and doesn’t quite mean what it appears to, so you have to tick a slightly different answer than you think.

If you tick ‘not continually’ it will decide you don’t meet Category A and will have to provide 12 months of payslips and bank statements... which is not correct.

What it really means is:

“Have you been earning at least £18,600 or more for the last 6 months?”

Finally, when I'm scanning my original payslips (they're the small rectangular, folded over style ones), do I need to scan both sides or just the side with the information on it?

Not entirely sure, I assume just the side with the information on it.


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