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Posted: **Tue Aug 11, 2020 2:27 am**

I hope someone can kindly help.

We are filling in the SET M form application for Finance and was hoping someone may be able to help, please.

I have broken these down as below:

Question 1.
We are relying on annual incomes for both myself and of my wife.
My annual income before tax for this employment was £14,078 and my wife's was £11,315

Together we meet the financial Requirements threshold of £18,600

Can you be please advise on what I should choose for both under "What do they earn"
We are both under £18,600 but together we exceed this amount.

The same amount continuously, above the financial requirement amount
The same amount continuously, below the financial requirement amount
Not the same amount continuously, above the financial requirement amount
Not the same amount continuously, below the financial requirement amount

Question 2.
We will be submitting application on 27th August 2020, and they request 12 months payslips and 12 months personal bank statement.
I intend to supply these from August 2019 until July 2020. Is that sufficient? Or do I need to go to the date of submitting the application, 27th August 2020?

Question 3.
What is their annual income before tax for this employment in GB(£)?
Can I just add the gross incomes from all my payslips from August 2019 to July 2020 to give me this figure. How accurate does this need to be.
For examples by adding these my annual income is £14,078 can this be rounded off to say £14,000 or £14,070

Question 4.
A P60 for the relevant periods(s) of employment
Since I intend to supply payslips from August 2019 to July 2020. I can only supply P60 for 2019/2020. As I cannot supply P60 for 2020/2021, is there anything else I need to supply to cover this period (i.e from April 2020 to July 2020.

Posted: **Tue Aug 11, 2020 1:43 pm**

Answer 1: You seems of have been earning fixed wages and if so then choose the option # 1 otherwise option # 3 since you are already prepared to supply them 12 months of payslips & bank statements as per your question # 2.

Answer 2: Yes from Aug 2019 - July 2020 should be fine provided the date of last payslips & bank statements doesn't become older than 28 days from the date of application.

Answer 3: You seems of have been earning fixed wages, therefore, strictly follow your employer letters/contract letter.

Answer 4: P60 isn't needed as it doesn't present the most relevant income figures for immigration purposes. However, if the form/checklist doesn't allow to proceed further then attach it by adding a covering letter requesting to consider it only as a cohabitation evidence instead financial.

Posted: **Wed Aug 12, 2020 2:28 am**

Thank you so much for your reply. I hope you can clarify a bit further?
I am still unsure which of these options to use under the "What do they earn" for both myself and for my wife.
1. Not the same amount continuously, above the financial requirement amount or
2. Not the same amount continuously, below the financial requirement amount

The first option asks for 6 month payslips and bank statements and 2nd option 12 months payslips and bank statements.

----------------------------------------------------------------------------------------------------------------------------------
First option
My annual income before tax is £14,078 and I have two different payments amounts within this period.
Does this mean I should choose "Not the same amount continuously, below the financial requirement amount"

My wife's income before tax was £11,315 and she has has three different payments amounts within this period.
Does this mean she should choose "Not the same amount continuously, below the financial requirement amount"

(monthly salary was same until March 2020 (year end) and then it increased slightly after April 2020. My wife had another change in salary month due to maternity).

-----------------------------------------------------------------------------------------------------------------------------------
Second option
Since our salaries combined gives us a total of £25,393 does this mean, we choose "Not the same amount continuously, above the financial requirement amount

So for my salary of £14,078, do I choose "Not the same amount continuously, above the financial requirement amount"

For my wife salary of £11,315, do I choose "Not the same amount continuously, above the financial requirement amount"

Thank you for your help and apologies for the lenght. Just need to make sure it is correct.

Posted: **Wed Aug 12, 2020 1:03 pm**

IrfanJ wrote: ↑
Wed Aug 12, 2020 2:28 am
Thank you so much for your reply. I hope you can clarify a bit further?
I am still unsure which of these options to use under the "What do they earn" for both myself and for my wife.
1. Not the same amount continuously, above the financial requirement amount or
2. Not the same amount continuously, below the financial requirement amount

The first option asks for 6 month payslips and bank statements and 2nd option 12 months payslips and bank statements.

----------------------------------------------------------------------------------------------------------------------------------
First option
My annual income before tax is £14,078 and I have two different payments amounts within this period.
Does this mean I should choose "Not the same amount continuously, below the financial requirement amount"

My wife's income before tax was £11,315 and she has has three different payments amounts within this period.
Does this mean she should choose "Not the same amount continuously, below the financial requirement amount"

(monthly salary was same until March 2020 (year end) and then it increased slightly after April 2020. My wife had another change in salary month due to maternity).

-----------------------------------------------------------------------------------------------------------------------------------
Second option
Since our salaries combined gives us a total of £25,393 does this mean, we choose "Not the same amount continuously, above the financial requirement amount

So for my salary of £14,078, do I choose "Not the same amount continuously, above the financial requirement amount"

For my wife salary of £11,315, do I choose "Not the same amount continuously, above the financial requirement amount"

Thank you for your help and apologies for the lenght. Just need to make sure it is correct.

Option # 2 is fine.

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