FLR(M) Documents Checklist

Hello

I will be sponsoring my wife's application next week (Expires end of March). We're going to be applying through cash savings in one of my savings accounts. I understand I need to provide a declaration of the sources of the cash savings - is there a template for this? The savings is made up mostly of income savings and work related bonuses, however some of it comes from cash gifts from my in laws, do I need to specify the exact amount and when I receieved these gifts or do I just state that some of the savings come from gifts from my in laws?

Thank you in advance.

andpeji wrote: ↑

Sat Mar 14, 2020 5:09 pm

Hello

I will be sponsoring my wife's application next week (Expires end of March). We're going to be applying through cash savings in one of my savings accounts. I understand I need to provide a declaration of the sources of the cash savings - is there a template for this? The savings is made up mostly of income savings and work related bonuses, however some of it comes from cash gifts from my in laws, do I need to specify the exact amount and when I receieved these gifts or do I just state that some of the savings come from gifts from my in laws?

Thank you in advance.

For meeting the financial requirement through cash savings the required amount of savings (£62500) must have been held and maintained during the last 6 months. There is no template for giving the declaration of the sources of cash savings rather in any simplest language you can disclose it on the application form and/or might add a covering letter.

seagul wrote: ↑

Sat Mar 14, 2020 7:50 pm

andpeji wrote: ↑

Sat Mar 14, 2020 5:09 pm

Hello

I will be sponsoring my wife's application next week (Expires end of March). We're going to be applying through cash savings in one of my savings accounts. I understand I need to provide a declaration of the sources of the cash savings - is there a template for this? The savings is made up mostly of income savings and work related bonuses, however some of it comes from cash gifts from my in laws, do I need to specify the exact amount and when I receieved these gifts or do I just state that some of the savings come from gifts from my in laws?

Thank you in advance.

For meeting the financial requirement through cash savings the required amount of savings (£62500) must have been held and maintained during the last 6 months. There is no template for giving the declaration of the sources of cash savings rather in any simplest language you can disclose it on the application form and/or might add a covering letter.

Thank you for your response. I meet the minimum amount of savings and have held such for over 6 months. I was concerned as to whether I needed to specify certain cash gifts and the transaction it relates to, in this case there's been one cash gift in the past 6 months for £2000, the rest of the savings have been from regular income and signing bonus.

Forgot to add in previous reply. I have created a cover letter and have started a seperate letter for this declaration, just didn't know how much detail to add and didn't want to overcomplicate the situation.

Also I noted it says:

"If you and/or your sponsor have more than one savings account you must provide the full details
and submit the specified evidence for each."

Does this mean I need to submit evidence of all of my savings? Or this is only applicable to the savings you're using for the application. For instance, my wife does not need to submit her savings account details right?

7.5. Cash savings – specified evidence
7.5.1. The evidence required for cash savings is specified in Appendix FM-SE:
11. In respect of cash savings the following must be provided:
(a) Personal bank statements showing that at least the level of cash savings relied upon
in the application has been held in an account(s) in the names of the person and
their partner jointly throughout the period of 6 months prior to the date of application.

(b) A declaration by the account holder(s) of the source(s) of the cash savings.

https://assets.publishing.service.gov.u ... -ext_1.pdf

seagul wrote: ↑

Sat Mar 14, 2020 9:00 pm

7.5. Cash savings – specified evidence
7.5.1. The evidence required for cash savings is specified in Appendix FM-SE:
11. In respect of cash savings the following must be provided:
(a) Personal bank statements showing that at least the level of cash savings relied upon
in the application has been held in an account(s) in the names of the person and
their partner jointly throughout the period of 6 months prior to the date of application.

(b) A declaration by the account holder(s) of the source(s) of the cash savings.

https://assets.publishing.service.gov.u ... -ext_1.pdf

Yeah, my only confusion here is what level of information is required for "A declaration by the account holder(s) of the source(s) of the cash savings". Is it acceptable to declare that the savings are from income, signing bonus and cash gifts from my parents-in-law or do I need to actually specify the amount from cash gifts etc...

andpeji wrote: ↑

Sat Mar 14, 2020 9:02 pm

seagul wrote: ↑

Sat Mar 14, 2020 9:00 pm

7.5. Cash savings – specified evidence
7.5.1. The evidence required for cash savings is specified in Appendix FM-SE:
11. In respect of cash savings the following must be provided:
(a) Personal bank statements showing that at least the level of cash savings relied upon
in the application has been held in an account(s) in the names of the person and
their partner jointly throughout the period of 6 months prior to the date of application.

(b) A declaration by the account holder(s) of the source(s) of the cash savings.

https://assets.publishing.service.gov.u ... -ext_1.pdf

Yeah, my only confusion here is what level of information is required for "A declaration by the account holder(s) of the source(s) of the cash savings". Is it acceptable to declare that the savings are from income, signing bonus and cash gifts from my parents-in-law or do I need to actually specify the amount from cash gifts etc...

In contrary to a single source only your cash savings is actually derived from different sources such as cash gifts, bonuses, employment income so better to declare and specify amount from each source on same declaration letter/covering letter for caseworker's convenience.

seagul wrote: ↑

Sat Mar 14, 2020 9:29 pm

andpeji wrote: ↑

Sat Mar 14, 2020 9:02 pm

seagul wrote: ↑

Sat Mar 14, 2020 9:00 pm

7.5. Cash savings – specified evidence
7.5.1. The evidence required for cash savings is specified in Appendix FM-SE:
11. In respect of cash savings the following must be provided:
(a) Personal bank statements showing that at least the level of cash savings relied upon
in the application has been held in an account(s) in the names of the person and
their partner jointly throughout the period of 6 months prior to the date of application.

(b) A declaration by the account holder(s) of the source(s) of the cash savings.

https://assets.publishing.service.gov.u ... -ext_1.pdf

Yeah, my only confusion here is what level of information is required for "A declaration by the account holder(s) of the source(s) of the cash savings". Is it acceptable to declare that the savings are from income, signing bonus and cash gifts from my parents-in-law or do I need to actually specify the amount from cash gifts etc...

In contrary to a single source only your cash savings is actually derived from different sources such as cash gifts, bonuses, employment income so better to declare and specify amount from each source on same declaration letter/covering letter for caseworker's convenience.

So I need to break down each of the savings? I mean bonuses and employment income would count under general savings so I was planning on writing something like:

Dear [OFFICER TITLE]

Declaration of source(s) of the cash savings of [MY NAME], Acct: ********

Applicant: [APPLICANT NAME]
UK Citizen: [MY NAME]


I, [MY NAME], confirm that I am the account holder of the [BANK] account ******** and that I have total control over the account and the funds within the account.

The amount in the account for the past 6 months has been between [LOWEST] and [HIGHEST]. The source of these funds is from regular savings and a cash gift from my father-in-law, [FATHER IN LAW NAME], for [AMOUNT] on [DATE].

Should you require any further information please do not hesitate to contact me on [MOBILE] or by email at [EMAIL].

Yours faithfully,

[SIGNATURE]

andpeji wrote: ↑

Sat Mar 14, 2020 9:36 pm

Dear [OFFICER TITLE]

Declaration of source(s) of the cash savings of [MY NAME], Acct: ********

Applicant: [APPLICANT NAME]
UK Citizen: [MY NAME]


I, [MY NAME], confirm that I am the account holder of the [BANK] account ******** and that I have total control over the account and the funds within the account.

The amount in the account for the past 6 months has been between [LOWEST] and [HIGHEST]. The source of these funds is from regular savings and a cash gift from my father-in-law, [FATHER IN LAW NAME], for [AMOUNT] on [DATE].

Should you require any further information please do not hesitate to contact me on [MOBILE] or by email at [EMAIL].

Yours faithfully,

[SIGNATURE]

seems fine

seagul wrote: ↑

Sat Mar 14, 2020 10:26 pm

andpeji wrote: ↑

Sat Mar 14, 2020 9:36 pm

Dear [OFFICER TITLE]

Declaration of source(s) of the cash savings of [MY NAME], Acct: ********

Applicant: [APPLICANT NAME]
UK Citizen: [MY NAME]


I, [MY NAME], confirm that I am the account holder of the [BANK] account ******** and that I have total control over the account and the funds within the account.

The amount in the account for the past 6 months has been between [LOWEST] and [HIGHEST]. The source of these funds is from regular savings and a cash gift from my father-in-law, [FATHER IN LAW NAME], for [AMOUNT] on [DATE].

Should you require any further information please do not hesitate to contact me on [MOBILE] or by email at [EMAIL].

Yours faithfully,

[SIGNATURE]

seems fine

Ok thank you. Just want to make sure everything looks ok and didn't want to overload the cover letter given I'm regularly adding savings into the account and it's always from one source (My current account), including the cash gift.

Double checked the appendix and all other related documents and I cannot see anything which is contrary to what I've added in the declaration so hopefully it will be ok.

Hi everyone,

Myself and my wife are almost ready to submit her FLR(M) application, I was wondering if you could have a quick lookover our checklist and if there's anything I'm missing.

Identification

(1) Spouse's Passport

(2) Spouse's BRP

(3) Sponsor's Passport

(4) Sponsor's Declaration & Cover Letter

Consent

(5) Consent for third party verification

Marriage

(6) Marriage Certificate

Cohabitation

Broken down into location and the addresse, we've lived in 3 different properties over the past two years.

(7) [Loc 1] {Sponsor, 05/2018 } Lloyds Bank general correspondence regarding overdraft limit reduction

(8) [Loc 1] {Spouse, 07/06/2018} DBS Letter + DBS Certificate

(9) [Loc 1] {Sponsor, 02/08/2018} Barclays general correspondence for mobile banking

(10) [Loc 1] {Spouse. 03/10/2018} Lloyds statement (Top right: "This statement was printed in branch on ...)

(11) [Loc 2] {Sponsor, 09/03/2019} Thames Water welcome / move home letter

(12) [Loc 2] {Spouse, 20/07/2019} Barclays correspondence for current account switch

(13) [Loc 2] {Sponsor, 11/09/2019} HMRC tax code notice

(14) [Loc 2] {Spouse, 15/09/2019} Direct debit confirmation letter for energy provider

(15) [Loc 2] {Sponsor, 05/11/2019} DBS Letter + DBS Certificate

(16) [Loc 2] {Spouse, 06/12/2019} NHS dentist appointment letter

(17) [Loc 3] {Sponsor, 10/03/2020} Gas provider welcome letter for prepayment card

(18) [Loc 3] {Spouse, 16/03/2020} Barclay's Bank statement

Accommodation

(19) Scanned copy of tenancy agreement with both Sponsor and Partner’s name on signed by all parties

Finance

(20) Transactions and cover letter* for Sponsor's Marcus By Goldman Sachs savings account showing the balance has always been above the minimum requirement for the past 6 months.
* The cover letter includes my address, date of issue, regulatory bodies, etc… and “Thanks for getting in touch to ask us for your account balance and for a copy of your recent transactions. I have enclosed a transaction history of your account. As of today’s date, your balance is £*****.” And then their contact details for any questions.

(21) Sponsor's declaration of sources of savings

Education

(22) Spouse's degree from a UK university

andpeji wrote: ↑

Mon Mar 16, 2020 4:37 pm

Cohabitation

(9) [Loc 1] {Sponsor, 02/08/2018} Barclays general correspondence for mobile banking

(10) [Loc 1] {Spouse. 03/10/2018} Lloyds statement (Top right: "This statement was printed in branch on ...)

(11) [Loc 2] {Sponsor, 09/03/2019} Thames Water welcome / move home letter

(12) [Loc 2] {Spouse, 20/07/2019} Barclays correspondence for current account switch

Need more cohabitation evidences between this period.

seagul wrote: ↑

Mon Mar 16, 2020 6:47 pm

andpeji wrote: ↑

Mon Mar 16, 2020 4:37 pm

Cohabitation

(9) [Loc 1] {Sponsor, 02/08/2018} Barclays general correspondence for mobile banking

(10) [Loc 1] {Spouse. 03/10/2018} Lloyds statement (Top right: "This statement was printed in branch on ...)

(11) [Loc 2] {Sponsor, 09/03/2019} Thames Water welcome / move home letter

(12) [Loc 2] {Spouse, 20/07/2019} Barclays correspondence for current account switch

Need more cohabitation evidences between this period.

Between March 2019 - August 2019? I'm able to print out the energy bills that are addressed to my spouse between those dates. I'll have a look and see if there's any more documents for between October 2018 - March 2019.

seagul wrote: ↑

Mon Mar 16, 2020 6:47 pm

andpeji wrote: ↑

Mon Mar 16, 2020 4:37 pm

Cohabitation

(9) [Loc 1] {Sponsor, 02/08/2018} Barclays general correspondence for mobile banking

(10) [Loc 1] {Spouse. 03/10/2018} Lloyds statement (Top right: "This statement was printed in branch on ...)

(11) [Loc 2] {Sponsor, 09/03/2019} Thames Water welcome / move home letter

(12) [Loc 2] {Spouse, 20/07/2019} Barclays correspondence for current account switch

Need more cohabitation evidences between this period.

I've now replaced (12) with (12) [Loc 2] {Spouse, 09/03/2019} Energy bill

Infact ignore my previous post, the energy bill was recalculated so the date shows March 2020. I'll need to either use the June one or see if I have any other docs I can use.

So I have a follow up question:

1. I have found a letter for my spouse regarding medical treatment, however the addresse is her doctor and her name and address is mentioned in the title (RE: [NAME], [ADDRESS], [NHS Number]) is this valid?

2. We also have a tenancy agreement which obviously isn't addressed to anyone but it shows the contract with our address (Loc 2) for March 2019 - March 2020, should this be supplied?

andpeji wrote: ↑

Mon Mar 16, 2020 9:47 pm

So I have a follow up question:

1. I have found a letter for my spouse regarding medical treatment, however the addresse is her doctor and her name and address is mentioned in the title (RE: [NAME], [ADDRESS], [NHS Number]) is this valid?

2. We also have a tenancy agreement which obviously isn't addressed to anyone but it shows the contract with our address (Loc 2) for March 2019 - March 2020, should this be supplied?

1. Yes fine. Usually such letters are issued by the hospital doctor when discharges back the patient to GP.

2. Without name it won't be acceptable. A tenancy agreement cannot be formed without name & signature. How about mobile bills, any letter from dvla/hmrc/local council/retailer or even marketing brochure/leaflet with name & address on it.

seagul wrote: ↑

Mon Mar 16, 2020 10:25 pm

andpeji wrote: ↑

Mon Mar 16, 2020 9:47 pm

So I have a follow up question:

1. I have found a letter for my spouse regarding medical treatment, however the addresse is her doctor and her name and address is mentioned in the title (RE: [NAME], [ADDRESS], [NHS Number]) is this valid?

2. We also have a tenancy agreement which obviously isn't addressed to anyone but it shows the contract with our address (Loc 2) for March 2019 - March 2020, should this be supplied?

1. Yes fine. Usually such letters are issued by the hospital doctor when discharges back the patient to GP.

2. Without name it won't be acceptable. A tenancy agreement cannot be formed without name & signature. How about mobile bills, any letter from dvla/hmrc/local council/retailer or even marketing brochure/leaflet with name & address on it.

Ok thanks. Regarding 1, there's a few doctors letters addressed to other doctors during April 2019 which has my spouses name, address and NHS number in the subject title. Regarding 2, the tenancy agreement is like any other tenancy agreement which contains our names and is signed by all parties, it's just not addressed to a location, I wasn't sure if I should include the tenancy agreement for all three properties as supportive documents?

andpeji wrote: ↑

Mon Mar 16, 2020 10:37 pm

Ok thanks. Regarding 1, there's a few doctors letters addressed to other doctors during April 2019 which has my spouses name, address and NHS number in the subject title.

Fine

andpeji wrote: ↑

Mon Mar 16, 2020 10:37 pm

Regarding 2, the tenancy agreement is like any other tenancy agreement which contains our names and is signed by all parties, it's just not addressed to a location, I wasn't sure if I should include the tenancy agreement for all three properties as supportive documents?

Yes all of them can be used since contain your names (which now you clarified). Usually each dated document covers the next 3-4 months.

seagul wrote: ↑

Mon Mar 16, 2020 10:58 pm

andpeji wrote: ↑

Mon Mar 16, 2020 10:37 pm

Ok thanks. Regarding 1, there's a few doctors letters addressed to other doctors during April 2019 which has my spouses name, address and NHS number in the subject title.

Fine

andpeji wrote: ↑

Mon Mar 16, 2020 10:37 pm

Regarding 2, the tenancy agreement is like any other tenancy agreement which contains our names and is signed by all parties, it's just not addressed to a location, I wasn't sure if I should include the tenancy agreement for all three properties as supportive documents?

Yes all of them can be used since contain your names (which now you clarified). Usually each dated document covers the next 3-4 months.

Ok thank you very much for your help. I'll submit all my tenancy agreements that I've held for the past two years as supporting documentation, these include signatures by all parties including my spouse.

I'm wondering if I'll need to add a cover letter to explain the tenancy agreements as well then, as they're signed using Docusign and Signaturesense, as such there's no in person witnesses for the signatures.

andpeji wrote: ↑

Mon Mar 16, 2020 11:10 pm

I'm wondering if I'll need to add a cover letter to explain the tenancy agreements as well then, as they're signed using Docusign and Signaturesense, as such there's no in person witnesses for the signatures.

No. Also no witness is needed for agreements under 3 years.

seagul wrote: ↑

Mon Mar 16, 2020 11:12 pm

andpeji wrote: ↑

Mon Mar 16, 2020 11:10 pm

I'm wondering if I'll need to add a cover letter to explain the tenancy agreements as well then, as they're signed using Docusign and Signaturesense, as such there's no in person witnesses for the signatures.

No. Also no witness is needed for agreements under 3 years.

Ah, that removes some stress. Thank you.

I've already had the current one signed and witnessed as it was initially three different documents (One signed by landlord, one by myself and one by my wife) which would probably cause some confusion.