UK flr visa application help

[samsong101]

Hi all

I am going to apply for my wifes flr uk spouse visa next year and would like to know how many months worth of bank statements and wage slips i need to show for the application?

Also can i use cash savings to meet the financial requirement or has it changed?

Any help would be appreciated.

Thanks

samsong

[durhamboy]

I've just applied for my wife's FLR.

You can still use cash savings and combine it with any other income except that from self-employment.

Cash savings must be held by you for at least 6 months - so you'll need 6 months bank statements for that. I imagine that they will use the LOWEST balance in the account in the last 6 months to determine the amount that qualifies.

Income is over the last 12 months so I think it is best to include the last 12 months bank statements for this as that will help to verify the payslips.

Remember, you will also have to pay the IHS Surcharge of £500 in addition to the FLR fee (currently £649 by post).

[samsong101]

Thanks for the reply

My annual salary doesn't meet the requirements,I earn 17248 a year,how much savings will I need to fulfill the requirements?

[7by7]

The financial requirement, and evidence required, for FLR is the same as that for the original visa; the only difference being that your wife's income, if any, can be used in addition to yours.

The same again for ILR when the time comes; except if using cash savings for ILR the required amount is reduced from £62,500 to £46,500.

See:

Appendix FM: Financial Requirement

Appendix FM-SE Family members - specified evidence

[7by7]

Thanks for the reply

My annual salary doesn't meet the requirements,I earn 17248 a year,how much savings will I need to fulfill the requirements?

The first £16,000 of savings is discounted, so it will need to be more than that.

Also, as FLR is valid for 2.5 years the amount must be multiplied by 2.5 to reflect that.

The calculations in the appendix are based on calculating the income required if cash savings aren't enough. If I've got my maths right doing it the other way round is:

(£18,600 - income) x 2.5 + 16,000 = savings required.

18,600 - 17248 = 1352 x 2.5 = 3380 + 16,000 = 19,380.

So, if my maths are correct, you need £19,380 in cash savings.

If you don't have that, remember that for FLR and ILR applications your wife's income can be added to yours and if the total is above £18,600 then the requirement is met.

Does she work?

Could she work?

She'd only need to earn at least £26 per week, £1352 p.a.

Edited August 27, 2015 by 7by7

[durhamboy]

yes 7by7 I think your maths are correct.

samsong101 - you can also use other sources of income to reach the £18600 figure e.g. interest income. You mention cash savings so it's likely you have some interest income. That would at least reduce the amount of cash savings you require - for every £1 of income reduces the cash savings needed by £2.50.

[samsong101]

Thanks for the reply, i have some cash savings but not the figure needed.Is it possible to get a cash gift from my parents to meet the requirement?My wife has recently had a child so she cant work at the moment, i have been looking but no joy at the moment.Her visa expires at the end of May 2016 so i need to get things sorted soon.For the initial spouse visa i got my parents to gift me the money to meet the requirements but cant remember if i had it in my account for 12 or 6 months,hope someone can clarify this for me as i think i have left it too late.

Any help would be appreciated.

[PeeJay1959]

If your parents can gift you that would work, it only needs to be in your account for 6 months, or you could get a pizza delivery job lol.

Pete and Tia

[wooloomooloo]

... or you could get a pizza delivery job lol.

A rather tongue in cheek remark, but perfectly valid.

[7by7]

As with the initial visa, a gift can be used to met all or part of the requirement through cash savings; but it must be a gift, not a loan, and it must be in your possession and complete control for at least the 6 months prior to the application.

So as she'll be applying next May, you still have a bit of time.

You say your parents gifted you the money to meet the requirement for her initial visa. UKVI will know this and may wonder what happened to that money; so I'd include a brief note to explain what happened to that money (living expenses, I assume ) and why you need a further gift for this application..

Edited September 30, 2015 by 7by7

[samsong101]

Thanks for the replies,

I will take your advise 7by7 and include a note stating what happened to the money for the initial visa.

Thanks for the info

[ajb1985]

Hi,

Sorry to jump into this thread but got a relevant question.

Me and the missus are in the same boat and will apply for flr next April/May. I earn 24k a year and have the payslips and bank statements.

Does it matter that some months I go into my overdraft? Bills and expenses here and there mean every now and then I might go to minus £50 - £100.

Could they look at this as a problem.

Cheers.

[PeeJay1959]

ajb, that is not a problem.

[7by7]

Indeed.

One of the ridiculous aspects of this current financial requirement is that expenditure, nor even debt repayments, is not taken into account.

You could be struggling to pay off your debts, getting deeper and deeper into financial difficulties, living well beyond your means; but as long as you earned £18,600 p.a. or more you would meet the requirement.

Whereas if you earned £18,599 p.a. yet had absolutely no debt repayments, not even a mortgage, you wouldn't!