Advise about salary

[riversidecreations]

Hello. I understand that 18,600 is the threshold amount and that savings can be used for people earning lower than this.

My friend is getting married in India in september and he is planning to apply for his wife's visa soon after the wedding. he has two jobs however, his total earnings before tax from both employers is adding up to £18,400 - he has £4000 in savings.

Is this enough to apply or should he need more in savings?

[MPH80]

He'll need more in savings.

He has a £200 shortfall in earnings - so he needs to show £16000 + (200 *2.5) = £16,500.

He'll have to have had those savings in an account for 6 months.

I'd suggest he gets a pay rise to push his earnings over the £18,600 level instead and wait a further 6 months (as the earnings are measured from their lowest point in the last 6 months).

M.

[riversidecreations]

Wow... thats a lot of money to show in savings.

I was under the impression that it was £16,000 to show as part of the threshold i.e. to make up for it?

please see below:

81. There will be scope for cash savings above £16,000 (the level generally
disqualifying a person from income-related benefits) to be used to meet all or part of the financial requirement, if they have been held by the sponsor or applicant for at least six months and are under their control.

am i misunderstanding this?

[MPH80]

Precisely what I said.

Savings *over* £16,000.

So he needs £16,000 PLUS the shortfall in his income multiplied by 2.5

[riversidecreations]

Thank you - I spoke with him yesterday. He works for Co-oP so he is going to ask for a pay rise today. If all goes well; he would have 2 months payslips showing 18600 annual income at the time of application...

Now; I am confused about this 16,000 savings. If someone is earning over 18,600 - do they have to show this amount in savings as well? Because... I don't have that much in my account and I'm planning to submit my application in the first week of August...

[MPH80]

No - you only have to show savings if you fall under the income threshold.

With regard your friend - 2 months will not be enough. His income will be assessed at the lowest level it has been at for the last 6 months.

[riversidecreations]

Thank you MPH80....

I will let him know. I don't know what to advise him. He says that he also gets an annual bonus from Co-op - around £500... not sure if that helps in any way.

[MPH80]

The bonus can be counted toward annual earnings.

http://www.ukba.homeoffice.gov.uk/sitec ... iew=Binary

(Section 5.4.1)

He'll need to show the following:

5.5.2 In respect of salaried employment, all of the following must be submitted:
• P60 (if this has been issued) and wage slips for the 6-month period prior to the
application, or as appropriate, for the 12-month period prior to the application.
• Letter from the employer confirming the person’s employment and annual salary, the
length of their employment (and the period over which they have been or were paid
the level of salary relied upon in the application), and the type of employment
(permanent, fixed-term contract or agency).
• A signed contract of employment.
• Bank statements corresponding to the same period as the wage slips, showing that
the salary has been paid into the person’s account.

The catch on all that lot is the letter from the employer - which may require them to include the bonus in that letter given the 'closeness' of his salary to the threshold.

M.