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Topic: UK Spouse Visa - Financial Requirements Help  (Read 493 times)

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UK Spouse Visa - Financial Requirements Help
« on: February 18, 2022, 06:35:30 PM »
Hi all,

We are applying for a UK visa on 1st March 2022 and would like to clarify the financial evidence that I will be providing.

My situation (I am not the applicant, we are using my finances to meet the £18k threshold):

- I have been employed by my current employer from Nov 2021 to present, permanent, salaried employment. I was previously in a similar role, i.e., permanent, salaried.
- Pay slips are issued monthly for the month. Period is not expressly mentioned, just “tax period 10”, etc.
- Current salary is £80k, was £70k at my prior firm.

I would attach the following to my submission:

- 12 months of payslips (March 2021 – February 2022) – latest payslip will be dated 25th February 2022.
- Due to the timing of my move, I was not paid in November 2021, so the November pay accrued
was paid in the December 2021 payroll.
- 12 months of corresponding bank statements, i.e. March 2021 to Feb 2022.
- Employment letters from both firms (they confirm employment dates, permanent status and salary level)
- Employment contracts from both firms (signed).
- P60 for April 2020-2021 tax year
- P45 from prior employer (Dated November 2021).

Can you kindly confirm if I am providing all documents required, or if I should be adding additional documents?

Thank you for your help!
« Last Edit: February 18, 2022, 06:39:53 PM by Aaron12333 »


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UK Spouse Visa - Financial Requirements Help
« Reply #1 on: February 18, 2022, 08:18:01 PM »
Okay, you DON’T need the following so you can take them out:
- P45 from prior employer
- employment contract from prior employer
- letter from prior employer (unless your payslips were issued electronically, in which case you need a letter from them verifying that the payslips are genuine)


You DO need:
- 13 months of payslips (covering every single day from 25th Feb 2021 to 25th Feb 2022) – latest payslip will be dated 25th February 2022.
- 13 months of corresponding bank statements, covering  every single day from 25th Feb 2021 to 25th Feb 2022
- Employment letter from CURRENT firm (they confirm employment dates, permanent status and salary level) and verifying payslips if issued electronically
- Employment contract from CURRENT firm (signed).
- P60 for April 2020-2021 tax year


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Re: UK Spouse Visa - Financial Requirements Help
« Reply #2 on: February 26, 2022, 09:00:55 PM »
Ok, 13 months of payslips/bank statements won’t be a problem.

My payslips are issued by ADP but has my employers name on them. Do they just need to provide a generic one liner stating that the payslips issued between these dates are authentic?

Also, do bank statements need to be verified? They’re official electronic bank statements from HSBC which are generated on the 22nd.


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Re: UK Spouse Visa - Financial Requirements Help
« Reply #3 on: February 26, 2022, 09:17:55 PM »
Ok, 13 months of payslips/bank statements won’t be a problem.

My payslips are issued by ADP but has my employers name on them. Do they just need to provide a generic one liner stating that the payslips issued between these dates are authentic?

If the payslips are issued electronically then the employer letter needs to state the following for each payslip:
Payslip date
Pay period (if applicable)
Gross pay
Net pay
Date deposited into bank account
An explanation for any discrepancies between payslip dates/amounts and bank deposit dates/amounts (I.e. if payslip is dated 31st but pay was deposited on 28th, the reason for this must be explained)

Quote
Also, do bank statements need to be verified? They’re official electronic bank statements from HSBC which are generated on the 22nd.

Electronic bank statements that you have printed at home must either be:
- stamped by the bank on EVERY page
Or
- accompanied by a letter from the bank confirming that the statements are authentic


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Re: UK Spouse Visa - Financial Requirements Help
« Reply #4 on: March 05, 2022, 06:41:29 PM »
Okay, you DON’T need the following so you can take them out:
- P45 from prior employer
- employment contract from prior employer
- letter from prior employer (unless your payslips were issued electronically, in which case you need a letter from them verifying that the payslips are genuine)


You DO need:
- 13 months of payslips (covering every single day from 25th Feb 2021 to 25th Feb 2022) – latest payslip will be dated 25th February 2022.
- 13 months of corresponding bank statements, covering  every single day from 25th Feb 2021 to 25th Feb 2022
- Employment letter from CURRENT firm (they confirm employment dates, permanent status and salary level) and verifying payslips if issued electronically
- Employment contract from CURRENT firm (signed).
- P60 for April 2020-2021 tax year


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Confirming that I've pulled13 months of pay slips (25th Feb 2021 - 25th Feb 2022).
Both Employer have provided a reference (as the pay slips are issued electronically) and certified them as genuine, however the language is "I can confirm that the pay slips issued to XX between 25th February 2021 to 25th February 2022 are genuine and authentic". I hope this will be sufficient as they won't provide me with more. The pay date, [ay values, etc are consistent across all documents and no discrepancies.

I've also received bank statements, from 1 Feb 2021 to 1 March 2022. I switched banks in the last 6 months, so have provided:
- 6 months from HSBC and they've provided me with a letter stating that I'm a customer and that the bank statements issued electronically are originals.
- 6 months Lloyds and they've stamped each page in the branch.
Confirming that every day in between 1 Feb 2021 to 1 March 2022 is accounted for in the bank statements.

As I'm applying under Category B, what's the best way to structure my financial documents? Have 2 PDFs; 1 for my current employer, 2 for my previous?

Thank you all.



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Re: UK Spouse Visa - Financial Requirements Help
« Reply #5 on: April 04, 2022, 05:06:45 PM »
Right... I'm back again. Unfortunately the lack of priority service has changed our timelines... 

As such, we are targeting to apply in June 2022. I will be applying under category A with the following payslips:
Payslip 1: dated 22nd December 2021
Payslip 2: dated 27th January 2022
Payslip 3: dated 25th February 2022
Payslip 4: dated 25th March 2022
Payslip 5: dated 27th April 2022
Payslip 6: dated 27th May 2022

I'm paid monthly, for the entire month. Amount is in excess of the threshold.

Given my earliest payslip is dated 22nd December 2021, if I were to apply on June 23rd / 24th, would this satisfy the 6 month requirement?

For reference, my employment commenced on November 15th.

I believe I would be in time for the 28 day rule too...

Thank you all kindly, any help is very appreciated.



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UK Spouse Visa - Financial Requirements Help
« Reply #6 on: April 04, 2022, 05:16:13 PM »
You need 6 FULL months of payslips, not just 6 payslips.

The dates on the payslips must cover every single day of the 6-month period - if you’re even 1 day short, the visa can be refused. So this usually means needing to include 7 months of payslips in order to cover every single day.

At the moment, the payslips you have listed only cover 5 months and 5 days (22nd Dec to 27th May), and therefore they do not meet the visa requirements.

So, if your first payslip is dated 22nd December, then the 6-month period you must cover with the payslips is:

22nd December 2021 to 22nd June 2022

And the payslips you provide must explicitly cover every day up to 22nd June 2022.

The bank statements you provide must also cover the exact same FULL 6-month period and must show the deposit of every single payslip.

Which means you will need to wait until you have your June 2022 payslip and bank statement before you will be eligible for the visa, and therefore can apply online.

Depending on what date you receive your June payslip, and when that money is paid into your bank account and shown on your bank statement, and also when you can get your employer letter after the June payslip has been issued (if the payslips are issued electronically, the letter must verify each one), it’s likely you’ll need to wait until early July before you will be eligible to submit the online application.


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« Last Edit: April 04, 2022, 05:18:47 PM by ksand24 »


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Re: UK Spouse Visa - Financial Requirements Help
« Reply #7 on: April 06, 2022, 08:26:44 PM »
Ok... Waiting for June isn't the end of the world, so I can do that.

I'm looking to apply under cat A, however my Dec 2021 pay was larger than normal due to backpay from November (I joined after payroll cut off for November). My pay for January - June will be consistent.

Would I still qualify for Cat A?


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UK Spouse Visa - Financial Requirements Help
« Reply #8 on: April 06, 2022, 09:03:33 PM »
Ok... Waiting for June isn't the end of the world, so I can do that.

I'm looking to apply under cat A, however my Dec 2021 pay was larger than normal due to backpay from November (I joined after payroll cut off for November). My pay for January - June will be consistent.

Would I still qualify for Cat A?

Yes, you will.

It doesn’t matter if one payslip was higher, as it’s the lowest payslip in the 6 months that matters.

If you are salaried, then the way they will calculate your income for Cat A is:

Lowest payslip x 12 months = Total annual income that can count for the visa

So as long as your lowest payslip is at least £1,550 before tax (£1,550 x 12 = £18,600), you will meet the requirements, regardless of whether the other payslips are the same or higher.


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« Last Edit: April 06, 2022, 09:10:20 PM by ksand24 »


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Re: UK Spouse Visa - Financial Requirements Help
« Reply #9 on: April 10, 2022, 09:37:04 PM »
I know I’ve been asking a lot of questions… I’m sorry. Your guidance and assistance is really appreciated, thank you very much.

My employer is willing to state the pay periods applicable for each payslip, so the reference letter would state that the following payslips are genuine and authentic, and also add in the relevant wording regarding pay period(in bold):

Payslip 1: dated 22nd December 2021, issued for the pay period of 15 November 2021 to 31 December 2021

Payslip 2: dated 27th January 2022, issued for the pay period of 1 January 2022 to 31 January 2022

Payslip 3: dated 25th February 2022, issued for the pay period of 1 February 2022 to 28 February 2022
 
Payslip 4: dated 25th March 2022, issued for the pay period of 1 March 2022 to 31 March 2022

Payslip 5: dated 27th April 2022, issued for the pay period of 1 April 2022 to 30 April 2022

Payslip 6: dated 27th May 2022, issues for the pay period of 1 May 2022 to 31 May 2022.

Would this additional wording cover the required 6 month pay period, with the application date of early June?

My pay in December included November due to my start date. The pay period applicable is not mentioned in the payslip, only the issue date.

Thank you.


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