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cash saving (18months) however earning partly under FM-SE

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CMSUK
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cash saving (18months) however earning partly under FM-SE

Post by CMSUK » Mon Dec 11, 2023 9:21 am

Good morning all

my wife is applying ILR under british spouse 5 years. Previous two leave were on employment based under FM-SE (as i am director). This type we have enough cash saving under our joint account for around 18 months in current account. She changed the job last year but now back to my company again however she is on maternity pay leave and hmrc is paying her maternity pay in the same account. we open this account to buy house (which we did) and since then Me and my wife wages goes into this account and also house bills as well.

the question is is it safe we use our cash saving towards the ILR application or should we use the salaried category A along with FM-SE route we did last two times? The reason for using cash saving is to make the application less paper work compare to under FM-SE.

currently I am working as director and she is on maternity pay leave which is paid by hmrc dwp directly as she changed her job during pregnancy so only qualify for maternity leave through hmrc dwp.

any other suggestions will be welcome

kind regards

AmazonianX
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Re: cash saving (18months) however earning partly under FM-SE

Post by AmazonianX » Mon Dec 11, 2023 9:36 am

Where othe requirements are met, cash saving is the most straightforward means of meeting financial requirements on spouse visa route and you know it.

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Re: cash saving (18months) however earning partly under FM-SE

Post by CMSUK » Mon Dec 11, 2023 10:07 am

yes cash saving is no doubt a time and paper saving option however just wanted to make sure in our situation where FM-SE applies, is this gonna be right way to go or do we need to provide extra supporting evidence as source or income etc although the savings in the joint account for more than enough time.

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Re: cash saving (18months) however earning partly under FM-SE

Post by zimba » Mon Dec 11, 2023 12:32 pm

If you apply under cash saving option, you do NOT need to provide income-related documents.
Advice is given based on my personal research and experience only. Do NOT contact me via private message for immigration advice

CMSUK
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Re: cash saving (18months) however earning partly under FM-SE

Post by CMSUK » Mon Dec 11, 2023 1:31 pm

zimba wrote:
Mon Dec 11, 2023 12:32 pm
If you apply under cash saving option, you do NOT need to provide income-related documents.
Thanks so when it comes to declaring source of income which is saving through salaries over the period of time, do we need to mention that the salary coming from the company i am director of? or just saying the savings from salary over time would be enough?

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Re: cash saving (18months) however earning partly under FM-SE

Post by AmazonianX » Mon Dec 11, 2023 2:34 pm

CMSUK wrote:
Mon Dec 11, 2023 1:31 pm
zimba wrote:
Mon Dec 11, 2023 12:32 pm
If you apply under cash saving option, you do NOT need to provide income-related documents.
Thanks so when it comes to declaring source of income which is saving through salaries over the period of time, do we need to mention that the salary coming from the company i am director of? or just saying the savings from salary over time would be enough? The latter suffices.

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Re: cash saving (18months) however earning partly under FM-SE

Post by CMSUK » Tue Dec 12, 2023 5:32 pm

Hello all

so what the amount we should declare as cash saving? as we have current account and all the incoming and outgoing goes from this account which fluctuates the balance of the account on daily bases.

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Re: cash saving (18months) however earning partly under FM-SE

Post by CMSUK » Tue Dec 12, 2023 5:33 pm

should we declare the lowest balance so far even if it was for one day or night? or average balance?

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Re: cash saving (18months) however earning partly under FM-SE

Post by CMSUK » Tue Dec 12, 2023 5:47 pm

Housing

When we bought the house it was 2 bedroom 1 reception but then we started the extension and made this into 3 bedroom, 1 living/tv longue, 1 guest/reception/bedroom. the work is will be complete by xmas.

so the question is what should we declare in room and other rooms? the orignal 2 bed and 1 other room or the new building layout which I think would be 3 bed 2 other rooms?

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Re: cash saving (18months) however earning partly under FM-SE

Post by zimba » Tue Dec 12, 2023 6:30 pm

CMSUK wrote:
Tue Dec 12, 2023 5:33 pm
should we declare the lowest balance so far even if it was for one day or night? or average balance?
Yes. It is the minimum you maintained

For accommodation see: https://assets.publishing.service.gov.u ... dation.pdf
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Re: cash saving (18months) however earning partly under FM-SE

Post by CMSUK » Wed Dec 13, 2023 12:08 am

CMSUK wrote:
Tue Dec 12, 2023 5:47 pm
Housing

When we bought the house it was 2 bedroom 1 reception but then we started the extension and made this into 3 bedroom, 1 living/tv longue, 1 guest/reception/bedroom. the work will be completed by xmas.

so the question is what should we declare old layout or the new layout after extension in room and other rooms option? the orignal 2 bed and 1 other room or the new building layout which would be 3 bed 2 other rooms?

any thought on this scenario?

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Re: cash saving (18months) however earning partly under FM-SE

Post by AmazonianX » Wed Dec 13, 2023 3:49 am

Have you used same in previous applications if yes declare what was before. If no, you can state either so far not breaching the housing code.

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Re: cash saving (18months) however earning partly under FM-SE

Post by CMSUK » Wed Dec 13, 2023 12:28 pm

yes in the previous application we used the same house but that time we were renting this house and it was 2 bed and 1 reception room but this time we are owner and got the new extension as well. so whats your thought?
AmazonianX wrote:
Wed Dec 13, 2023 3:49 am
Have you used same in previous applications if yes declare what was before. If no, you can state either so far not breaching the housing code.

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Re: cash saving (18months) however earning partly under FM-SE

Post by AmazonianX » Wed Dec 13, 2023 1:26 pm

CMSUK wrote:
Wed Dec 13, 2023 12:28 pm
yes in the previous application we used the same house but that time we were renting this house and it was 2 bed and 1 reception room but this time we are owner and got the new extension as well. so whats your thought?
AmazonianX wrote:
Wed Dec 13, 2023 3:49 am
Have you used same in previous applications if yes declare what was before. If no, you can state either so far not breaching the housing code.
Declare it as it is. You have scaled previous hurdles.

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Re: cash saving (18months) however earning partly under FM-SE

Post by CMSUK » Sat Dec 16, 2023 4:23 pm

Hi there

while uploading docs, can we repeat the same docs again to fulfil different requirement like council tax for cohabitation and also same letter for the evidence of council tax costs for the accommodation in the uk where you live? also same bank statements for cohabitation and cash saving proof??

while proofing cohabitation, we are giving 2 joint council tax letters 2022 & 2023 and
4 joint bank letters 6months apart and
2 joint water utility bills 2022 & 2023
1 joint letters from 2023 for mortgage

are they enough or should we add more?? we independent proof of address like pay slip, hmrc letter, nhs letter, bank and credit card statement, electoral letters

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Re: cash saving (18months) however earning partly under FM-SE

Post by CMSUK » Sat Dec 16, 2023 5:49 pm

what we are supposed to provide under this requirement???

Evidence of monthly housing costs for the accommodation in the uk where you live or will live??

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Re: cash saving (18months) however earning partly under FM-SE

Post by AmazonianX » Sun Dec 17, 2023 4:14 am

CMSUK wrote:
Sat Dec 16, 2023 4:23 pm
Hi there

while uploading docs, can we repeat the same docs again to fulfil different requirement like council tax for cohabitation and also same letter for the evidence of council tax costs for the accommodation in the uk where you live? also same bank statements for cohabitation and cash saving proof?? Yes

while proofing cohabitation, we are giving 2 joint council tax letters 2022 & 2023 and
4 joint bank letters 6months apart and
2 joint water utility bills 2022 & 2023
1 joint letters from 2023 for mortgage this should suffice

are they enough or should we add more?? we independent proof of address like pay slip, hmrc letter, nhs letter, bank and credit card statement, electoral letters
S

CMSUK
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Re: cash saving (18months) however earning partly under FM-SE

Post by CMSUK » Sun Dec 17, 2023 11:58 am

CMSUK wrote:
Sat Dec 16, 2023 5:49 pm
what we are supposed to provide under this requirement???

Evidence of monthly housing costs for the accommodation in the uk where you live or will live??
Thanks amazonianx. really appreciate your response. could you please suggest something for this?

AmazonianX
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Re: cash saving (18months) however earning partly under FM-SE

Post by AmazonianX » Sun Dec 17, 2023 3:30 pm

CMSUK wrote:
Sun Dec 17, 2023 11:58 am
CMSUK wrote:
Sat Dec 16, 2023 5:49 pm
what we are supposed to provide under this requirement???

Evidence of monthly housing costs for the accommodation in the uk where you live or will live??
Thanks amazonianx. really appreciate your response. could you please suggest something for this?
Hopefully your rent deductions from account, council tax and bills can be seen. They amount to the cost

CMSUK
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Re: cash saving (18months) however earning partly under FM-SE

Post by CMSUK » Sun Dec 17, 2023 5:29 pm

AmazonianX wrote:
Sun Dec 17, 2023 3:30 pm
CMSUK wrote:
Sun Dec 17, 2023 11:58 am
CMSUK wrote:
Sat Dec 16, 2023 5:49 pm
what we are supposed to provide under this requirement???

Evidence of monthly housing costs for the accommodation in the uk where you live or will live??
Thanks amazonianx. really appreciate your response. could you please suggest something for this?
Hopefully your rent deductions from account, council tax and bills can be seen. They amount to the cost
yes we have mortgage outgoing instead of rent and all other bills. so should we upload bank statement again to fulfil this section?

CMSUK
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Re: cash saving (18months) however earning partly under FM-SE

Post by CMSUK » Sun Dec 17, 2023 5:32 pm

one more thing ad we have mentioned we own this house there is no requirement which says provide mortgage statement or title deed etc to proof it…

is it how it is suppose to be or should just upload title dead and mortgage letter and statement as an extra bits just in case or no need??

AmazonianX
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Re: cash saving (18months) however earning partly under FM-SE

Post by AmazonianX » Sun Dec 17, 2023 6:03 pm

CMSUK wrote:
Sun Dec 17, 2023 5:32 pm
one more thing ad we have mentioned we own this house there is no requirement which says provide mortgage statement or title deed etc to proof it…

is it how it is suppose to be or should just upload title dead and mortgage letter and statement as an extra bits just in case or no need??
Your mentioning will not just be accepted, you have to back it up with evidence as burden of proof always lies on the applicant.
Upload the documents you stated above.

AmazonianX
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Re: cash saving (18months) however earning partly under FM-SE

Post by AmazonianX » Sun Dec 17, 2023 6:03 pm

CMSUK wrote:
Sun Dec 17, 2023 5:29 pm
AmazonianX wrote:
Sun Dec 17, 2023 3:30 pm
CMSUK wrote:
Sun Dec 17, 2023 11:58 am
CMSUK wrote:
Sat Dec 16, 2023 5:49 pm
what we are supposed to provide under this requirement???

Evidence of monthly housing costs for the accommodation in the uk where you live or will live??
Thanks amazonianx. really appreciate your response. could you please suggest something for this?
Hopefully your rent deductions from account, council tax and bills can be seen. They amount to the cost
yes we have mortgage outgoing instead of rent and all other bills. so should we upload bank statement again to fulfil this section?
You can.

CMSUK
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Re: cash saving (18months) however earning partly under FM-SE

Post by CMSUK » Sat Dec 23, 2023 6:22 pm

Hi there once again,

The declaration of the cash saving are required by both of us or just from the applicant? or it is joint declaration since the funds are in joint current account?

is there any template or must have legal wording which needs to be in the letter?
TIA
kind regards

AmazonianX
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Re: cash saving (18months) however earning partly under FM-SE

Post by AmazonianX » Sat Dec 23, 2023 8:01 pm

CMSUK wrote:
Sat Dec 23, 2023 6:22 pm
Hi there once again,

The declaration of the cash saving are required by both of us or just from the applicant? or it is joint declaration since the funds are in joint current account?

is there any template or must have legal wording which needs to be in the letter?
TIA
kind regards
If solely relying on cash savings, on joint account, a single letter with both of you signing it suffices.

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