So, I’ve searched in a number threads & other forums but have not found anyone with a situation same as ours, I am hoping someone can help shed some light on what we can do regarding the financial requirements for the wife’s second spouse visa.

 

I am UK citizen
Used to be employed as a salaried employee until I left in March.  I was earning well above the £18600.
In April I started working as a contractor through my own limited company.  I am the director of the company.
I pay myself a minimal salary (well below £18600) & take the rest in dividends.
As I’ve only started this recently I don’t have any filings with companies’ house, corporation tax or end of year accounts, or Self-assessment .  My accountant informs me this should be done next year.

 

The wife is here in the UK on a spouse visa which expires in September.
She works 40 hours at £8.75 per hour.
She does occasionally takes overtime 10 hours at £13.12.
There was a few weeks in April where she earned nothing because of extended holiday.  Apart from that it’s been stable.
She’s been employed with them for a few years.

 

Reading through the financial requirements document it seems I cannot submit my income as I don’t have anything filed with HMRC until next year.  Her income comes in too short, I think, unless someone can tell me otherwise.

 

Can they consider her overtime to help meet the financial requirements?

Could she put together 6 months of payslips with overtime showing annualised average is above the threshold?
As we are submitting in August can I use my March payslip or even payslips stretching back last year?
Looking at the categories it seems my contractor work fits in category F or G, my prior employment falls into A. Can we even submit & combine in this manner?
We don’t have any savings over £16000 so cannot use that or other sources of income.
I’m really stumped as to what we can provide to show how we can meet the requirements, I have the business back account & invoices from the limited company, can we use that at all?  We'd like to apply via the 5 year route & want to ensure we have these financial requirements ticked off.

 

Can some help us (& hopefully others) understand what we can or cannot do to help meet the financial requirements?  As I’ve looked through the document a number times & keep going round in circles.

 

UK Visa Financial requirements

Does anyone have any experience of this scenario?  How does a contractor who has only been doing so for 4-5 months show their income?