Adequate Maintanence And Mortgage Payment

Wardariaz · Post by **Wardariaz** » Sat Apr 21, 2018 11:31 am

Hi we want to apply through adequate maintenance as Sponsor receives carer allowance.

But sponsor has recently bought a house on mortgage. Sponsor lives in his parents house and will provide their accommodation papers.
If we deduct the new house mortgage payment from adequate maintenance we cant apply with adequate maintenance then.

So do we have the option to apply or not with adequate maintenance.
Can we avoid the new house mortgage payment from adequate maintenance calculation?

Post by **Casa** » Sat Apr 21, 2018 12:27 pm

Wardariaz wrote: ↑
Sat Apr 21, 2018 11:31 am
Hi we want to apply through adequate maintenance as Sponsor receives carer allowance.

But sponsor has recently bought a house on mortgage. Sponsor lives in his parents house and will provide their accommodation papers.
If we deduct the new house mortgage payment from adequate maintenance we cant apply with adequate maintenance then.

So do we have the option to apply or not with adequate maintenance.
Can we avoid the new house mortgage payment from adequate maintenance calculation? NO

Londoner007 · Post by **Londoner007** » Sat Apr 21, 2018 1:26 pm

If your asking if you should hide a material information then it is a very hot water to be in. How did the sponsor even afford a mortgage being a carer.

If your mortgage and carers allowance bank accounts are the same or somehow reveal exchange of money between the two, then it may reveal your mortgage payments, which can land you in trouble for not declaring it, as one of the requirements of adequate maintenance is to show all regular outgoings.

Probably best for sponsor to get a job and wait 6 months or go via savings route if possible.

This is a very good reminder to us all about the dangers of getting into mortgage if at all, and especially if you are not very well settled financially. I hope whatever route you decide to take, you take carefully and InshaAllah it all works out well for you.

Wardariaz · Post by **Wardariaz** » Sat Apr 21, 2018 1:59 pm

Londoner007 wrote: ↑
Sat Apr 21, 2018 1:26 pm

as one of the requirements of adequate maintenance is to show all regular outgoings.

Where is this written in Requirement or any other document.

I just read the Requirements again. It says accommodation expenses where sponsor and applicant have to live when visa is granted. So i think we can be safe. But this has to be verified by a professional i think.

Secondly his father helps him with mortgage.

Londoner007 · Post by **Londoner007** » Sat Apr 21, 2018 3:12 pm

With that sort of attitude - Do as you please

Post by **Casa** » Sat Apr 21, 2018 3:12 pm

Your spouse is required to submit documented evidence of weekly outgoings of rent or mortgage and Council tax. If his father helps to pay the mortgage on the property where the family are living but isn't named on a joint mortgage, this is unlikely to be considered as your spouse has sole responsibility (as far as the ECO is concerned) for the mortgage repayments.

Who owns the house your spouse is currently living in?

Wardariaz · Post by **Wardariaz** » Sat Apr 21, 2018 6:46 pm

Londoner007 wrote: ↑
Sat Apr 21, 2018 3:12 pm
With that sort of attitude - Do as you please

I apologize if you found anything bad in my reply.

Wardariaz · Post by **Wardariaz** » Sat Apr 21, 2018 6:52 pm

Casa wrote: ↑
Sat Apr 21, 2018 3:12 pm
Your spouse is required to submit documented evidence of weekly outgoings of rent or mortgage and Council tax. If his father helps to pay the mortgage on the property where the family are living but isn't named on a joint mortgage, this is unlikely to be considered as your spouse has sole responsibility (as far as the ECO is concerned) for the mortgage repayments.

Who owns the house your spouse is currently living in?

House NO 1. ( will provide for visa purposes) It is a big house and owned by sponsor father. It belongs to sponsor father.
House NO 2. Sponsor has bought a new small house on mortgage and pays for it through his bank.
When he got a mortgage he was earning so he got one.
Now he is on carer allowance
And his father helps him pay.
But this small house is not on joint mortgage. The sponsor (with father help money) pays for it through Sponsor own bank account.

Post by **Casa** » Sat Apr 21, 2018 7:59 pm

The sponsor will have to declare the mortgage repayments. A failure to do this will be considered as deception and result in a ban.

Londoner007 · Post by **Londoner007** » Sat Apr 21, 2018 8:04 pm

@ Wardariaz this is why above I have expressed you should be very careful how you approach this because by not declaring the mortgage and if they were to find out about it, if at all, it can indeed get you in a very sticky situation.

Approach with caution which route you take and I hope it works out well for you - balance out the risk vs advantage and go from there.

Post by **Casa** » Sat Apr 21, 2018 8:06 pm

The sponsor will have to declare the mortgage repayments. A failure to do this will be considered as deception and result in a ban.

The mortgage repayments will be obvious from the outgoing transactions on the sponsor's bank account.

Even if the contribution from the sponsor's father is paid into their bank account, this will not qualify towards meeting the adequate income level, as 3rd party financial help is not permitted when applying under this category.

Londoner007 · Post by **Londoner007** » Sat Apr 21, 2018 8:08 pm

Yes, indeed. But gathering from the very defensive replies from the OP it would appear they may not be accepting to such advise / requirement. I will leave it at this.

Wardariaz · Post by **Wardariaz** » Sat Apr 21, 2018 8:08 pm

Ok thankyou.
I think he will have to go in full employment.

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Adequate Maintanence And Mortgage Payment

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