Thank you so much
Sorry but a few more please
1 Combining Incomes
The form asks me - Which types of income will you rely on to meet the financial requirement
I selected "Employment" and "cash saving".
I get an error message as - Some types of income
cannot be combined to meet the financial requirement. See Appendix FM 1.7 for more details.
However the guidance says -
If necessary, to meet the level of the financial requirement applicable to the
application, a person in
salaried or non-salaried employment with the current
employer for 6 months or more at the date of application can
add to this:
Page 20 of 71 Published for Home Office staff on 7 December 2021
• the gross amount of any specified non-employment income received by the
applicant’s partner, the applicant or both jointly in the 12 months prior to the
application, provided they continue to own any asset on which that income was
based (for example, property, shares) at the date of application
• an amount based on the
cash savings above £16,000 held by the applicant’s
partner, the applicant or both jointly for at least the 6 months prior to the date
of application and under their control - at the entry clearance/initial leave to
remain stage and the further leave stage, the amount above £16,000 must be
divided by 2.5 (to reflect the 2.5 year or 30-month period before the applicant
will have to make a further application) to give the amount which can be added
to income: at the indefinite leave to remain stage, the whole of the amount
above £16,000 can be added to income
Therefore income under
Category A can be combined with Category C:
nonemployment income,
Category D: cash savings and Category E: pension if
necessary to meet the financial requirement
Am I doing something wrong OR is the guidance incorrect?
2. Salaried and Non-Salaried Income
I work as an Inside IR 35 contractor on a daily rate but I get paid as PAYE with tax and NI deducted at source.
I also get payslips. I am on daily rate like non-salaried but get paid as PAYE with tax and NI as salaried.
I am unsure which one applies to me ? Any advise please?
The guidance has following for Category A as -
Non-salaried employment includes that paid at an hourly or other rate (and the
number and/or pattern of hours required to be worked may vary) or paid an amount
which varies according to the work undertaken. Salaried employment includes that
paid at a minimum fixed rate (usually annual) which is usually subject to a
contractual minimum number of hours to be worked.
The only difference in Category A between salaried and non-salaried employment is
how gross annual salary or employment income is calculated
Thanks in advance
