Questions related to spousal visa please help!!!!

[aiden]

Hey Terpe.

I appreciate your efficient and very informative reply.

I couldnt find this information anyway.
I have all daughters mate so I guess around 3-4 bedroom house will be okay.

I have a another question for you if you dont mind. In your personal view in order to sponsor 3 people (wife, 2 x step kids), plus my biological kids will be with us of couse.

How much salary is sufficient to show to the Embassy?

Many thanks
Aiden

[Terpe]

...........How much salary is sufficient to show to the Embassy?

Many thanks
Aiden

Aiden,
It's not so much about gross salary.

There really isn't any actual amount stated in the 'immigration rules' that indicate just how much is considered as 'sufficient'. It's up to the sponsor and applicant to prove there is sufficient funding for them to maintain themselves.
Basically, the UKBA will be looking at the amount of money left after any regular non-discretionary expenditure (such as rent or mortgage payments, council tax and secured loans etc)
Just as we all have different levels of salary, everyone also has different levels of non-discretionary expenditure. (eg payments of Child Support would also be considered a non-discretionary expenditure)
Various Immigration Tribunal's have concluded that it would not be appropriate to have immigrant families existing on resources that were less than the 'Income Support Level'.
In principle this means that if it is more likely than not that the total amount of money that the applicant and sponsor will have to live on will be below what the income support level would be for a British family of that size, then it may be appropriate to refuse the application on maintenance and accommodation grounds.
The 'Income Support' rates do vary each tax year - amounts for UK tax year 2011/2012 are £105.95 per week for a couple and £62.33 pounds per week for each dependent child.

Maintenance (sufficient funding) can be proven by reference to both savings and/or regular income. However, most of those who have gone though the Fiance(e) Visa process would advise on also having some savings. It clearly costs quite a bit to cover the costs of Visa Applications, Air fares and supporting settlement in UK. The actual amount of savings should ideally be enough to cover those costs and also to cater for any emergencies.
Your bank statements will normally show your income and your outgoing expenditure. ECO's are not accountants but, if you are generally living within your means and can afford the cost of other consumers joining the household, this should be immediately obvious.

Generally only those people with a salary level that regularly leaves them at a discretionary income close or equal to the equivalent of means-tested benefit might feel the need to make a budget plan to 'signpost' how they can afford to maintain other consumers in the house.

Hope this answers some of your concerns.
At least you can actually start to make some principle calculations.

[aiden]

Aiden,
It's not so much about gross salary.

There really isn't any actual amount stated in the 'immigration rules' that indicate just how much is considered as 'sufficient'. It's up to the sponsor and applicant to prove there is sufficient funding for them to maintain themselves.
Basically, the UKBA will be looking at the amount of money left after any regular non-discretionary expenditure (such as rent or mortgage payments, council tax and secured loans etc)
Just as we all have different levels of salary, everyone also has different levels of non-discretionary expenditure. (eg payments of Child Support would also be considered a non-discretionary expenditure)
Various Immigration Tribunal's have concluded that it would not be appropriate to have immigrant families existing on resources that were less than the 'Income Support Level'.
In principle this means that if it is more likely than not that the total amount of money that the applicant and sponsor will have to live on will be below what the income support level would be for a British family of that size, then it may be appropriate to refuse the application on maintenance and accommodation grounds.
The 'Income Support' rates do vary each tax year - amounts for UK tax year 2011/2012 are £105.95 per week for a couple and £62.33 pounds per week for each dependent child.

Maintenance (sufficient funding) can be proven by reference to both savings and/or regular income. However, most of those who have gone though the Fiance(e) Visa process would advise on also having some savings. It clearly costs quite a bit to cover the costs of Visa Applications, Air fares and supporting settlement in UK. The actual amount of savings should ideally be enough to cover those costs and also to cater for any emergencies.
Your bank statements will normally show your income and your outgoing expenditure. ECO's are not accountants but, if you are generally living within your means and can afford the cost of other consumers joining the household, this should be immediately obvious.

Generally only those people with a salary level that regularly leaves them at a discretionary income close or equal to the equivalent of means-tested benefit might feel the need to make a budget plan to 'signpost' how they can afford to maintain other consumers in the house.

Hope this answers some of your concerns.
At least you can actually start to make some principle calculations.

****
Hello Again Terpe
Aiden here. I found the information you provided very very informative.
Please may I kindly ask your opinion about my case. I am aware that the application really depends on the guidelines and evidence but would just like to know your idea.
With reference to your above email I did some calculations and would like to know if the income I have is sufficient.
When I return to the UK I can get a job where I can receive a after tax salary of
NET PAY £1,285.00 (AFTER TAX)
• amounts for UK tax year 2011/2012 are £105.95 per week for a couple = x4 weeks £424.00 per month (MY WIFE AND I MONTHLY EXPENSES)
• and £62.33 pounds per week for each dependent child = So I have 4 children (2 step children and 2 dual national children with british passports). £62.33 X 4 = 249.32 X 4 = £997.28.
• PROPERY RENTAL = CHEAP HOUSE MONTHLY RENTAL 3 BEDROOMS = £250.00 PER MONTH
• COUNCIL TAX £110.00
• ELECTRIC / GAS / WATER £100.00

SAVINGS CURRENTLY IN THE BANK = £5,000 GBP.

Now Terpe Im really hoping to get a better paid position and keeping my fingers crossed for a good paid position.

I really want to go back to the UK but now all this is stopping me from going ahead of my plans.
My minds not working at all now and I need some advice on what you think mate?

Please kindly give me some suggestions or ideas on what I can do?
Is it possible for me to use a co-sponsor in order to meet the income requirements and so on like a family member? For Instance can I use my uncles, father, mother and ask them to sponsor my family too in order to meet the financial requirement.
Please can you kindly give me your advice.

many thanks and looking forward to your reply.
Aiden

[joebloggs]

PROPERY RENTAL = CHEAP HOUSE MONTHLY RENTAL 3 BEDROOMS = £250.00 PER MONTH

sorry just read thru your post..

£250 a month i doubt even in the slums of liverpool , you could rent a 3 bed house for that, the council house i rent is a lot more than that.

if your parents are willing to provide 3rd party financial support and provide you with accommondation, it should not do you any harm

if you've 5k in the bank that will help, does your wife work, is she skilled ?

[aiden]

Hey Joe thanks for your reply.

"if your parents are willing to provide 3rd party financial support and provide you with accommondation, it should not do you any harm "

My parents will only provide me with accomodation because my parents house is paid off and they have no mortgage. Plus they have a 4 bedroom house with only them living there. They are willing to help me out and also look after my little ones while my wife and I are at work. Third party support will be from another family member like an uncle or auntie. My parents cant give me financial support because my father is not working because he suffered from a heart attack recently and my mother works part time. I can get my uncle to give me third party support as hes loaded and an accountant.

My wife is still in the Philippines and she used to work. But since ive been in the Philippines she aint worked. Shes a graduate and used to work and specialise in insurance. She is skilled, professional, excellent command of english and with experience in insurance and sales.
I dont know if you read my other posts by im hoping to get my wife a firm job offer from a family member. My uncles is an accountant and a magistrates judge with a respectable standing in the community hes from.

hes had his own accountancy and tax consultancy firm for more than 30 years and just to help me out he said hes looking for someone to do adminstration, reception work for 25-30 hours a week with minimum wage.

HE wants to interview my wife over skype and if hes happy he can offer a position to her as long as shes legally allowed to work. ( meaning after she gets her national insurance permit.)

This position can be verified by the eco if they want by calling and communication with my uncle by phone , email or fax.

Based on this information be earning about £1200 - £1300 per month and plus wife earning about say £ 600 per month thats about £2,000 per month im pretty sure we can manage without recourse to public funds for a family of husband, wife and four children)

What do you think Joe please share experiences and opinions with me mate.

thanks
AIden