Income threshold

[sheldon1]

Now that the new threshold rules have been introduced of £18600. Will the ukba still require you to have a large chunk of money left over after bills etc?. If you earn over 18600 gross in a tax year will they be satisfied by this. Also if you have children coming to uk on british passports (not sponsored) surely you could claim child benefit etc. Not for the wife who would be sponsored? Would they still require some kind of proof of disposable income etc? Earning over £18600 is one thing, but by the time i pay rent all bills, and taking care of my filipino wife and my two kids (would have british passports) there would be very little left. Also having to pay flights and wifes visa fees. What are the ukba actually after? Nothings really very clear...

[Bluebirdjones]

Unfortunately it's all too clear.
It's £18,600 if you just "import" a wife/fiance.
It goes up accordingly if you also "import" other dependants.... ie children.
(Pls see other threads for actual amounts).

Disposable income is totally irrelevant under the new regime.
Crazy...... but true.

[sheldon1]

WHAT I MEAN IF YOUR CHILDREN HAVE BRITISH PASSPORTS. (not sponsored) THEN YOU ARE NOT IMPORTING THEM. THEY CAN COME AT ANYTIME AND I COULD CLAIM CHILD BENEFIT. MY CHILDREN DO NOT NEED VISAS RIGHT?? SO ITS ONLY MY WIFE THAT NEEDS THE SPONSORSHIP... THIS HAS TO BE MADE CLEAR TO ALL MEMBERS. BECAUSE THIS IS WHAT MEMBERS WILL HAVE TO DO NOW TO AVOID THE RISE IN THRESHOLD ON BRINGING IN CHILDREN...

[BRIAN WEBSTER]

i know what your saying :doh i think :icon_lol: yes me too was wondering also if and when we get our son his passport (btw) thanks for your reply it was most helpfull, i was thinking same lines ? if he does come to uk with me it's obvious he will be able to get some form of income IE FAMILY ALLOWANCE does that go against our application for her visa ?

[sheldon1]

We have some very informative people on this site brian. Lets hope we can get answer quickly. I am sure i am right though. But its not made official on any ukba sites??

[Terpe]

The new rules are clear and very specific.
The principle is this, you MUST have a proven income of minimum £18600 for spouse
(for a couple with no children) Children who do not need a UK visa are not counted at all.
The evidence needs supporting for at least the 6 months prior to application.

Just to be clear, child benefit (nor any other benefits) can be included in the £18600
But can of course be claimed by the UK national as normal.

The UKBA has no or intention to draw up a personal financial balance sheet for each couple (outgoings, credit card and other debts, mortgage, etc), but to take £18,600 (or the higher level for children) solely as a benchmark for financial requirements on the part of the couple.
Means no interest in 'affordability' only in the threshold.

Take a look here for a better understanding (http://filipinaroses.com/showthread.php/39740-All-New-Guide-How-to-apply-for-a-Spouse-Partner-Visa
)

[andy222]

So if I produce 6 months of wage slips and bank statments I dont need to give them a P60?

[grahamw48]

Children with British passports are of no interest to UKBA, as they are British Citizens !

The main reason I ensured that any kids of mine were born in THIS country.

[lastlid]

So if I produce 6 months of wage slips and bank statments I dont need to give them a P60?

We didn't submit my P60. Why the need? Its all on the payslips.....and the payslips are up to date. The P60 is out of date as soon as the end of the tax year has moved on.... Our submission was in early September - the P60 was way out of date by then and virtually irrelevant.

[grahamw48]

I think the P60 is needed, along with other proofs in the case of self-employed people, isn't it ? :Erm:

Maybe that's where the confusion is arising. :)

Personally I would take a job for 6 months sorting turds if need be...providing it satisfied the requirements of the UKBA.

[lastlid]

I think the P60 is needed, along with other proofs in the case of self-employed people, isn't it ? :Erm:

Maybe that's where the confusion is arising. :)

Personally I would take a job for 6 months sorting turds if need be...providing it satisfied the requirements of the UKBA.

I see what you mean, the P60 is more crucial for the self employed....

[Terpe]

So if I produce 6 months of wage slips and bank statments I dont need to give them a P60?

Andy, the requirements are for 6 months payslips and 6 months bank statements showing the pay going into the bank.
You also need formal confirmation from your employer.

UKBA state:-

In respect of salaried employment, all of the following must be submitted:
•
P60 (if this has been issued) and wage slips for the 6-month period prior to the application, or as appropriate, for the 12-month period prior to the application.
•
Letter from the employer confirming the person’s employment and annual salary, the length of their employment (and the period over which they have been or were paid the level of salary relied upon in the application), and the type of employment (permanent, fixed-term contract or agency).
•
A signed contract of employment.
•
Bank statements corresponding to the same period as the wage slips, showing that the salary has been paid into the person’s account.

Andy, you know by now my mantra 'minimise all risks'.
I may be expressing a slightly cynical approach but personally I would include my latest P60 anyway even though the UKBA say '...if this has been issued..' despite the fact it may not be relevant to the previous 6 months.
To my mind it's not 100% clear what is meant by '...if this has been issued..'

Others may disagree, but for what it's worth that's my 2 centavos worth.
If I'm wrong and you follow my suggestion you'll still get the visa.:D

[lastlid]

I understand your point Terpe and it is a good one. But how far do we go? Do we go as far as Brian Noreen did with their Spouse visa?

http://filipinaroses.com/showthread.php/38347-Our-Fiancee-Visa-Checklist?highlight=brian+noreen

[andy222]

Andy, the requirements are for 6 months payslips and 6 months bank statements showing the pay going into the bank.
You also need formal confirmation from your employer.

UKBA state:-


Andy, you know by now my mantra 'minimise all risks'.
I may be expressing a slightly cynical approach but personally I would include my latest P60 anyway even though the UKBA say '...if this has been issued..' despite the fact it may not be relevant to the previous 6 months.
To my mind it's not 100% clear what is meant by '...if this has been issued..'

Others may disagree, but for what it's worth that's my 2 centavos worth.
If I'm wrong and you follow my suggestion you'll still get the visa.:D

Thanks guys but I have had a increase since my last P60 so it will not show anything to them.

[lastlid]

Thanks guys but I have had a increase since my last P60 so it will not show anything to them.

:xxgrinning--00xx3:

[andy222]

I understand your point Terpe and it is a good one. But how far do we go? Do we go as far as Brian Noreen did with their Spouse visa?

http://filipinaroses.com/showthread.php/38347-Our-Fiancee-Visa-Checklist?highlight=brian+noreen
The way its going it will be best to take it to the british embassy in manila in person and stand over the ECO while he checks it.:doh

[grahamw48]

I asked for an interview with the Vice-Consul in Manila...and got it. :) Long time ago though.

[andy222]

You hit the nail on the head. A LONG TIME AGO.

[Terpe]

I understand your point Terpe and it is a good one. But how far do we go? Do we go as far as Brian Noreen did with their Spouse visa?

http://filipinaroses.com/showthread.php/38347-Our-Fiancee-Visa-Checklist?highlight=brian+noreen

It's a different 'game' now lastlid.
I understand what you're saying, but under the 'old rules' the ECO's and their supporting assistants and caseworkers had a lot of discretion in their decision making.
To my way of thinking, this meant supplying enough evidence to make refusal a very difficult decision for them. Some folks (quite rightly) needed to cover all the possible angles they could imagine.
I know a lot of people thought that Brian and Noreen went over the top, but I certainly didn't , especially given their specific circumstances and the propensity of ECO's to misinterpret such circumstances.
I think I said at the time better to supply more than enough than not quite enough.

Under these new rules the ECO and their team cannot excercise any discretion at all
Gross Income is 'king'
Here's what UKBA say:-


Caseworkers must not exercise any discretion or flexibility with regard to the level of the financial requirement: £18,600 (or the relevant higher figure for a child or children) is the amount to be met in all cases. It is a matter of public policy to introduce a financial requirement based on an income threshold for the sponsorship of partners and children, and a threshold means a threshold: it must be clear and consistent in all cases.

So in a way (in my mind at least) it's important to submit every piece of evidence that forces the ECO to tick the box.
If a P60 is mentioned as being of importance in support of meeting that threshold then submit it.
But as I say that's just my opinion as part of a strategy to minimise risks.

[lastlid]

The way its going it will be best to take it to the british embassy in manila in person and stand over the ECO while he checks it.:doh

Exactly. After hearing Marcos experience. And get a signed receipt for every bleepin page....

[Terpe]

Thanks guys but I have had a increase since my last P60 so it will not show anything to them.

Well quite right too !!
Totally pointless and dangerous to submit any documentation at all that does not support your objective.

[sheldon1]

I am in a very similar situation. I work in the security industry i can do as many shifts as i require. I will earn over the £18600 mark by april 2013. So i will have 12 months payslips & my p60 should show this. I will be out of my overdraft by october maybe november this year. I wiill have been in my job in april nearly 2 years. My employer is willing to give me a letter regarding my earnings should be around £20.000 ish. Contracted to work 60 hours a week. My children were born in the philippines but we are currently seeking british passports for them. I will have been in my house which is rented 1 year in march. So as i see it, in simple terms i just apply for my wife as a spouse. And show earnings for the year in april for £18600. Jobs a good en!!!!!!. I don.t need to earn anymore for my 2 kids as they are british. And i can claim child benefit for them etc. My wife can work, but i cannot claim anything for her.

Have i got everyhting right there?

Have i missed anything?....

[lastlid]

I am in a very similar situation. I work in the security industry i can do as many shifts as i require. I will earn over the £18600 mark by april 2013. So i will have 12 months payslips & my p60 should show this. I will be out of my overdraft by october maybe november this year. I wiill have been in my job in april nearly 2 years. My employer is willing to give me a letter regarding my earnings should be around £20.000 ish. Contracted to work 60 hours a week. My children were born in the philippines but we are currently seeking british passports for them. I will have been in my house which is rented 1 year in march. So as i see it, in simple terms i just apply for my wife as a spouse. And show earnings for the year in april for £18600. Jobs a good en!!!!!!. I don.t need to earn anymore for my 2 kids as they are british. And i can claim child benefit for them etc. My wife can work, but i cannot claim anything for her.

Have i got everyhting right there?

Have i missed anything?....

Looks promising. :xxgrinning--00xx3: No doubt Terpe will cast his eye over your detail. The new rules have been a gamechanger and for those that applied under the old rules, our experiences arent quite so relevant now...

[andy222]

In this day and age you would think a wage of £18600 would be easy to come by.

[Terpe]

I am in a very similar situation. I work in the security industry i can do as many shifts as i require. I will earn over the £18600 mark by april 2013. So i will have 12 months payslips & my p60 should show this. I will be out of my overdraft by october maybe november this year. I wiill have been in my job in april nearly 2 years. My employer is willing to give me a letter regarding my earnings should be around £20.000 ish. Contracted to work 60 hours a week. My children were born in the philippines but we are currently seeking british passports for them. I will have been in my house which is rented 1 year in march. So as i see it, in simple terms i just apply for my wife as a spouse. And show earnings for the year in april for £18600. Jobs a good en!!!!!!. I don.t need to earn anymore for my 2 kids as they are british. And i can claim child benefit for them etc. My wife can work, but i cannot claim anything for her.

Have i got everyhting right there?

Have i missed anything?....


Sheldon,
I'm not suggesting I'm an expert, but hopefully I can point you in the correct direction
UKBA do not demand a 12 month evidence submission. If it can be proven by 6 months payslips, bank statements and employers confirmation then that is sufficient. No need to unecessarily extend the pain of being apart from your family.
UKBA only want a 12 month evidence if 6 months cannot make it under some conditions.

Overdrafts do not enter the equation. Only gross income.

Take a step back and review the links I suggested. Then decide your best strategy and timeline.

Yes, your wife can work. And once she is in UK her income can be combined with yours to meet the required minimum. If that helps.
You need to maintain that required financial threshold for the 5 year period to approved settlement.

[sheldon1]

Thanks terpe for your kind advice. I think we are all a little paranoid concerning our applications.. Not long before the new rules i was advised strongly about making a spouse visa application when still in the red with an overdraft. It would of been sought as living beyond our means. Now the new rules are inforce all the ukba want to see is that you can prove you earn £18600 or more. Some members like me must forget that the new rules are now in force and to forget the old ones. Its so hard to do when its been stressed so clearly for so long. Thanks again terpe.

[Iani]

Sheldon, what you've put pretty much does sound "jobs a good un".

At a guess from what you're saying, perhaps you didn't quite make the income threshold in the last 12 months to date, but with overtime you will break over that point, proven over a 12 month period very soon.

One way of making this requirement, is either a proven 6 months continuous earning, which translated over 12 months will meet the limit. Alternatively you can prove the requirement over 12 months salary (Say for example, you earnt 15k in the last 12 months, but then got a new job paying 40k, you wouldn't need to wait for 6 months to pass, because you would earn over the requirement in a month or two. You then just submit 12 months wageslips, including your latest 2 months worth at your new humongous salary - it will add up to well over 18,600k. No need for the P60 really, and of course, letter from your employer saying your yearly salary - as you must have that at the time of application.

Your kids will have British passports, so they aren't taken into account - it's only sponsored children who are taken into account.

Of course, this is just the salary requirement, you do then have the joy of proving the relationship with chat records, photos etc, but hey :xxgrinning--00xx3:

[joebloggs]

The requirement now is that the financial requirement must be met. That is, the sponsor, if meeting the requirement by salaried employment, must be earning a minimum of 18,600 GBP a year. The specified evidence required is :

2. In respect of salaried employment in the UK, all of the following evidence must be provided:

(b) The P60 for the relevant period or periods (if issued).

(c) Wage slips covering:
(i) a period of 6 months prior to the date of application if the applicant has been employed by their current employer for at least 6 months; or
(ii) A period of 12 months prior to the date of application if the applicant has been employed by their current employer for less than 6 months.

(d) A letter from the employer confirming:
(i) the person's employment and gross annual salary;
(ii) the length of their employment;
(iii) the period over which they have been or were paid the level of salary relied upon in the application; and
(iv) the type of employment (permanent, fixed-term contract or agency).

(e) A signed contract of employment.

(f) Monthly personal bank statements corresponding to the same period as the wage slips at paragraph 2(c), showing that the salary has been paid into an account in the name of the person or in the name of the person and their partner jointly.

The amount of savings that the sponsor has is irrelevant if the income threshold is met.

[joebloggs]

i think people have to be careful if you have had a pay rise within the last 6 months before you applied as the gross annual salary at its lowest level in those 6 months, means that if a sponsor has had a pay rise at any point in the previous 6 months, the salary level which should be used is the lower level, ie before the pay rise.

[sheldon1]

MY annual salary is around £20,000 a year now gross. Since april end the end of this month i will have earned £10.000 gross, september end would be £12,000 ,october just under £14,000 ans so on. My p60 for last april states that i earned just under 16,000, Mainly because i did not start this job until end of may 2011. I have taken on since july, 2 extra shifts a month so it would take me well over the required threshold by the year end mark. my employer will confirm those earnings. Actually it works out a lot more than £20,000 a year cos i have to cover holidays etc.

when would you suggest i make my application, or should i wait until i break the £18600 barrier. would be around jan/feb.

[lastlid]

MY annual salary is around £20,000 a year now gross. Since april end the end of this month i will have earned £10.000 gross, september end would be £12,000 ,october just under £14,000 ans so on. My p60 for last april states that i earned just under 16,000, Mainly because i did not start this job until end of may 2011. I have taken on since july, 2 extra shifts a month so it would take me well over the required threshold by the year end mark. my employer will confirm those earnings. Actually it works out a lot more than £20,000 a year cos i have to cover holidays etc.

when would you suggest i make my application, or should i wait until i break the £18600 barrier. would be around jan/feb.

If they want 6 months worth of proof, then a P60 is out of date after 6 months has elapsed from its issue. And would cease to be relevant. That's my way of thinking. So right now the last P60 is out of date for all of us that are applying for Spouse visas.

[Iani]

MY annual salary is around £20,000 a year now gross. Since april end the end of this month i will have earned £10.000 gross, september end would be £12,000 ,october just under £14,000 ans so on. My p60 for last april states that i earned just under 16,000, Mainly because i did not start this job until end of may 2011. I have taken on since july, 2 extra shifts a month so it would take me well over the required threshold by the year end mark. my employer will confirm those earnings. Actually it works out a lot more than £20,000 a year cos i have to cover holidays etc.

when would you suggest i make my application, or should i wait until i break the £18600 barrier. would be around jan/feb.

Right, to prove you have the earning requirement, you need to do one of a number of things

a. One year showing all your earnings came to over £18,600. This is really the one where the P60 is most useful.

b. Six months salary slips in a job (or jobs) which over the course of a year is on target to earn over £18,600. All those salary slips must be consecutive in earning, ie you can't have one month where you earned less.

c. Have earned over £18,600 in the last 12 months. This one is useful if say your earnings suddenly increase drastically, or you were very near the threshold but then had an increase, loads of overtime etc.

So, if you took on the new job paying around 20k in May 2011, you should definitely have 6 months worth of salary slips which will show you are on target to earn over £18,600. Go for it now if you want.

OR, get all your salary slips for the last 12 months, starting with this months and work backwards, get out a calculator and add up the salary shown on those slips (before tax remember). I would be extremely surprised if this didn't come to over £18,600, so you can again submit it now if you want.

You just don't have to wait until you have earned over £18,600 THIS financial year, because it doesn't go by financial years, it goes by calendar years - if you earned £18,600 or above in the last 12 months, you have met the requirement, simple as that.

So really, it's up to you when you apply. You might not want to apply until January to get more evidence of chats together perhaps.

[lastlid]

(b) The P60 for the relevant period or periods (if issued).

(c) Wage slips covering:
(i) a period of 6 months prior to the date of application if the applicant has been employed by their current employer for at least 6 months;

This is it..from Joe Bloggs post 14, above, quoting from the book.

[joebloggs]

Whether UKBA will insist on all of the above documents I posted being provided for the application, we don't yet know.

also from the guidance notes .

The UK Border Agency caseworker should normally refuse an application which does not provide the evidence specified in this Appendix. However, where document(s) have been submitted, but not as specified, and the caseworker considers that, if the specified document(s) were submitted, it would result in a grant of leave, they should contact the applicant or their representative in writing or otherwise to request the document(s) be submitted within a reasonable timeframe. Examples of documents submitted not as specified include:

a) A document missing from a series, e.g. a bank statement;
b) A document in the wrong format; or
c) A document that is a copy rather than the original.

If the applicant does not submit the document(s) as requested, the caseworker may refuse the application. Where the specified document(s) cannot be supplied (e.g. because they are not available in a particular country or have been permanently lost), the caseworker has discretion not to apply the requirement for the specified document(s) or to request alternative or additional information or documents be submitted by the applicant."

[lastlid]

This thread reminds about the police officer that stops a speeding motorist for driving at 100mph on the motorway and the driver responds by saying that it was impossible as he had only been driving for 5 minutes....

[Terpe]

Right, to prove you have the earning requirement, you need to do one of a number of things

a. One year showing all your earnings came to over £18,600. This is really the one where the P60 is most useful.

b. Six months salary slips in a job (or jobs) which over the course of a year is on target to earn over £18,600. All those salary slips must be consecutive in earning, ie you can't have one month where you earned less.

c. Have earned over £18,600 in the last 12 months. This one is useful if say your earnings suddenly increase drastically, or you were very near the threshold but then had an increase, loads of overtime etc.

So, if you took on the new job paying around 20k in May 2011, you should definitely have 6 months worth of salary slips which will show you are on target to earn over £18,600. Go for it now if you want.

OR, get all your salary slips for the last 12 months, starting with this months and work backwards, get out a calculator and add up the salary shown on those slips (before tax remember). I would be extremely surprised if this didn't come to over £18,600, so you can again submit it now if you want.

You just don't have to wait until you have earned over £18,600 THIS financial year, because it doesn't go by financial years, it goes by calendar years - if you earned £18,600 or above in the last 12 months, you have met the requirement, simple as that.

So really, it's up to you when you apply. You might not want to apply until January to get more evidence of chats together perhaps.

Nice effort in trying to put forward the options.
Just that some key parts may be misleading.

For me, I don't understand the new financial requirements to be quite like that.

The UKBA are clear about how to meet the financial requirements.

There are a number of specific categories and the one that is applicable needs to be declared.

For applications that will be based on salaried employment there are two different categories

Category A is for salaried employment for the last 6 months

Category B is for salaried employment for less than the last 6 months

Under the rules for Category A, the applicant’s partner should be in salaried employment at the point of application and have been with the same employer for at least the last 6 months.
The applicant can count the gross annual salary (at its lowest level in those 6 months) towards the financial requirement.

If necessary to meet the level of the financial requirement applicable to the application, the applicant can add to this:-

- the gross amount of any specified non-employment income received by the applicant in the 12 months prior to the application, provided they continue to own the relevant asset (e.g. property, shares) at the date of application.

- Any savings above £16000 (subject to the 2.5 modifying factor)

- The gross annual income received by the applicant’s partner from any pension.


Under the rules for Category B the financial requirement must be evidenced in two parts.

First Part
Where the applicant’s partner is in salaried employment at the date of application and has been with the same employer for less than the last 6 months, the applicant can count the gross annual salary at the date of application towards the financial requirement.

If necessary to meet the level of the financial requirement applicable to the application, the applicant can add to this:-

- the gross amount of any specified non-employment income received by the applicant in the 12 months prior to the application, provided they continue to own the relevant asset (e.g. property, shares) at the date of application.

- Any savings above £16000 (subject to the 2.5 modifying factor)

- The gross annual income received by the applicant’s partner from any pension.


Second Part
The applicants partner must in addition have received in the 12 months prior to the application the level of income required to meet the financial requirement applicable to it, based on:-

- The gross salaried employment income of the applicant’s partner

- The gross amount of any specified non-employment income received by the applicant’s partner

- The gross amount of any pension received by the applicant’s partner

- The gross amount of any UK Maternity Allowance, Bereavement Allowance, Bereavement Payment and Widowed Parent’s Allowance received by the applicant’s partner.


There does not seem (to me) to be any flexibility in basing the compliance of income on 12 months evidence in the case where you have been working for the same employer for more than 6 months.

UKBA goes on to state that
Moving to another position with the same employer does not restart the 6-month period over which employment at the required salary level can be demonstrated, provided the employment is paid at at least the level of salary on which the application relies throughout that period. That period will restart where the applicant’s partner or the applicant changes employer.

Just felt it was needed to provide that important clarification.

[joebloggs]

Nice effort in trying to put forward the options.
Just that some key parts may be misleading.

For me, I don't understand the new financial requirements to be quite like that.

The UKBA are clear about how to meet the financial requirements.

There are a number of specific categories and the one that is applicable needs to be declared.

For applications that will be based on salaried employment there are two different categories

Category A is for salaried employment for the last 6 months

Category B is for salaried employment for less than the last 6 months

Under the rules for Category A, the applicant’s partner should be in salaried employment at the point of application and have been with the same employer for at least the last 6 months.
The applicant can count the gross annual salary (at its lowest level in those 6 months) towards the financial requirement.

If necessary to meet the level of the financial requirement applicable to the application, the applicant can add to this:-

- the gross amount of any specified non-employment income received by the applicant in the 12 months prior to the application, provided they continue to own the relevant asset (e.g. property, shares) at the date of application.

- Any savings above £16000 (subject to the 2.5 modifying factor)

- The gross annual income received by the applicant’s partner from any pension.


Under the rules for Category B the financial requirement must be evidenced in two parts.

First Part
Where the applicant’s partner is in salaried employment at the date of application and has been with the same employer for less than the last 6 months, the applicant can count the gross annual salary at the date of application towards the financial requirement.

If necessary to meet the level of the financial requirement applicable to the application, the applicant can add to this:-

- the gross amount of any specified non-employment income received by the applicant in the 12 months prior to the application, provided they continue to own the relevant asset (e.g. property, shares) at the date of application.

- Any savings above £16000 (subject to the 2.5 modifying factor)

- The gross annual income received by the applicant’s partner from any pension.


Second Part
The applicants partner must in addition have received in the 12 months prior to the application the level of income required to meet the financial requirement applicable to it, based on:-

- The gross salaried employment income of the applicant’s partner

- The gross amount of any specified non-employment income received by the applicant’s partner

- The gross amount of any pension received by the applicant’s partner

- The gross amount of any UK Maternity Allowance, Bereavement Allowance, Bereavement Payment and Widowed Parent’s Allowance received by the applicant’s partner.


There does not seem (to me) to be any flexibility in basing the compliance of income on 12 months evidence in the case where you have been working for the same employer for more than 6 months.

UKBA goes on to state that .

Just felt it was needed to provide that important clarification.

i think some people should be careful of what i've hi-lighted in red, as there is NO discretion regarding the £18,600.

[Iani]

Thanks for putting in the correction/clarification, maybe I'm trying to make things too simplistic :Erm::Erm:

[songz777]

May I ask what is the national average for a couple to live on per week? £105 was mentioned. I need to work out how much I have of living salary after my statuory obligations if that makes sense?

Many thanks John

[Terpe]

May I ask what is the national average for a couple to live on per week? £105 was mentioned. I need to work out how much I have of living salary after my statuory obligations if that makes sense?

Many thanks John

John,
May I suggest you review the Forum guides on how to apply for a Spouse or Fiance(e) visa

Here for Spouse (http://filipinaroses.com/showthread.php/39740-All-New-Guide-How-to-apply-for-a-Spouse-Partner-Visa)

and

Here for Fiance(e) (http://filipinaroses.com/showthread.php/39869-All-New-Guide-How-to-apply-for-a-Fiance-Visa)

You will see that it makes no difference whatsoever what your living salary is or what your disposable income is or what your outgoings are or even whether you can actually afford an additional consuming adult in the household.

The ONLY financial requirement (excluding exemptions) is that the sponsor has an income of £18600 per year minimum (more if dependents are included)

John, if you don't make £18600 per year you need to think about how to meet that rule.

I strongly suggest you read the above links and follow all the contained UKBA links. It will greatly increase your understanding.

Those guides will also clarify exactly what exemptions are eligible.
Under the exemptions your disposable income (living wage) does become important as you need to prove adequate funding. Currently this is based on income support levels and means you must have £111.45 per week available from your gross income after deduction of housing costs/council tax/secured loans etc.

Do please read the information linked above and don't be shy to ask any specific questions you need clarification on.

[songz777]

John,
May I suggest you review the Forum guides on how to apply for a Spouse or Fiance(e) visa

Here for Spouse (http://filipinaroses.com/showthread.php/39740-All-New-Guide-How-to-apply-for-a-Spouse-Partner-Visa)

and

Here for Fiance(e) (http://filipinaroses.com/showthread.php/39869-All-New-Guide-How-to-apply-for-a-Fiance-Visa)

You will see that it makes no difference whatsoever what your living salary is or what your disposable income is or what your outgoings are or even whether you can actually afford an additional consuming adult in the household.

The ONLY financial requirement (excluding exemptions) is that the sponsor has an income of £18600 per year minimum (more if dependents are included)

John, if you don't make £18600 per year you need to think about how to meet that rule.

I strongly suggest you read the above links and follow all the contained UKBA links. It will greatly increase your understanding.

Those guides will also clarify exactly what exemptions are eligible.
Under the exemptions your disposable income (living wage) does become important as you need to prove adequate funding. Currently this is based on income support levels and means you must have £111.45 per week available from your gross income after deduction of housing costs/council tax/secured loans etc.

Do please read the information linked above and don't be shy to ask any specific questions you need clarification on.

Many thanks Terpe :) I am within the required annual gross salary so thats good, as alwasy apprectiate all your input.

Many thanks John