Hello.
Our only income from the last 12 months has been earned since February.
In that case, you will need to make sure that the pre-tax amount of all of your and his payslips since February, all added together, is at least £18,600. If it is not, you will not be able to apply for the visa.
What date does his visa expire? I'm wondering how late you can leave the application, in order to get together as many payslips as possible.
- If you have been earning £18,500 (£1541.67/month) since September, then I assume you will have maybe 2 months of pay from your new job?
- And then if you were with the previous job from February until September, earning £17,901 (£1491.75/month), then I'm guessing that's 7 months of payslips?
- And for your husband, if he has been working since June, earning £6,000 (£500/month) that probably means he has 5 months of payslips up to October?
So, by my estimation, based on the number of months of earnings I mentioned above, your total earnings between you should be somewhere around:
7 months x £1491.75 = £10,441.69
2 months x £1541.67 = £2983.50
5 months x £500 = £2,500
Total earnings February to October = £15,925.19... which means you would be £2,674.81 short of meeting the financial requirement.
If you were able to include November's payslips as well, that would be an extra £2,041.67, but you would still be £633.14 short of meeting the financial requirement.
So, unless you have at least £17.582.85 in cash savings (or more if my figures aren't quite right), which have been held in your account(s) in full for at least 6 months, you'd have to wait until you had you December payslips in order to be able to apply for the visa.
So the question is, can you wait that long, or does his visa expire before then? If his visa does expire before you have enough to meet Category B, then he will need to leave his job and leave the UK, and return to his home country until you can meet the requirement... though you then wouldn't be able to use his income anymore, so you would still be £100 short of the requirement suing your income alone.
The utility bills are for proof of living together. We have only been living together since the wedding. So the bills would be used to prove name change and that we have been living together since 31st of July (when we got married).
You don't need bills to prove name change - your marriage certificate does that.
In regards of proof of living together, you need physical mail sent to your house in both names (either jointly addressed documents, or individually addressed). Ideally you need 6 documents in each name, evenly spread over the time you have lived together, from at least 3 different official sources.
As mentioned above, they need to be original documents you actually received in the post, not printed from online.
Acceptable documents are:
• 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/letters
• Building society savings books/letters
• Council tax bills or statements
• Electricity and/or gas bills or statements
• Water rates bills or statements
• Mortgage statements/agreement
• Tenancy agreement(s)
• Telephone bills or statements
However, as this is your first FLR(M), and you have only been living together since July, it is not vital to have the 6 evenly-spaced documents, as you may not have had time to gather that many yet. So, you can just send whatever posted documents you have that shows you have been living at the same address as each other.
