Combining two job incomes to meet threshold

[samanthakmann]

Hello to all!
I'm having a huge dilemma and I don't want to have to go to a solicitor and pay £100s in consultation fees just to find this out so I thought I'd give this a shot.
My hubby to be is Moroccan and we have planned our wedding in December. That being an ordeal in itself (gaining a certificate to marry) it's not the query I'm having.
Shortly after marrying we want to apply for the 2.5 year Family Visa.
I work for the NHS as a Healthcare Assistant and my baseline pay is £16,600 roughly. This obviously falls below the income threshold required. However this last tax year I earned slightly over £20,000 after out of hours enhancements and overtime. I also have a second flexi hour job with the NHS's bank staff system, which I earn on average roughly another £500 to £700 every month.
Therefore, these two incomes combined I am well over the threshold.
I have held both jobs for over 12 months by the time it comes for us to apply for the visa.
Ultimately my question is, am I able to combine both my full time job income, and my flexible hourly income? If not, am I able to count my enhancements from out of hours and overtime in my first full time job to meet/pass the threshold?

Any help would be greatly appreciated!!!!
Thanks
Samantha

[seagul]

If you earning sufficient income alone from one job then only show that one to keep the calculations much easier.

[samanthakmann]

If you earning sufficient income alone from one job then only show that one to keep the calculations much easier.

However I'm not seagul because £18,600 is the threshhold and my baseline pay is £16,600 so I fall £2,000 short. I had to do a large amount of overtime to receive enhancements to the amount of £20,000 for the 2017-18 tax year. I may not even receive the same amount of over time next year when I'm ready to apply. That's why I need to know if I can combine 2 jobs.

[Casa]

If you earning sufficient income alone from one job then only show that one to keep the calculations much easier.

However I'm not seagul because £18,600 is the threshhold and my baseline pay is £16,600 so I fall £2,000 short. I had to do a large amount of overtime to receive enhancements to the amount of £20,000 for the 2017-18 tax year. I may not even receive the same amount of over time next year when I'm ready to apply. That's why I need to know if I can combine 2 jobs.

Earnings from both jobs can be combined.

[seagul]

If you earning sufficient income alone from one job then only show that one to keep the calculations much easier.

However I'm not seagul because £18,600 is the threshhold and my baseline pay is £16,600 so I fall £2,000 short. I had to do a large amount of overtime to receive enhancements to the amount of £20,000 for the 2017-18 tax year. I may not even receive the same amount of over time next year when I'm ready to apply. That's why I need to know if I can combine 2 jobs.

In that case where your one job doesn't give sufficient earning then you can combine second job with it but you have to always make sure that which route you will opt either category A or B.

[samanthakmann]

If you earning sufficient income alone from one job then only show that one to keep the calculations much easier.

However I'm not seagul because £18,600 is the threshhold and my baseline pay is £16,600 so I fall £2,000 short. I had to do a large amount of overtime to receive enhancements to the amount of £20,000 for the 2017-18 tax year. I may not even receive the same amount of over time next year when I'm ready to apply. That's why I need to know if I can combine 2 jobs.

In that case where your one job doesn't give sufficient earning then you can combine second job with it but you have to always make sure that which route you will opt either category A or B.

And this is where I get confused and struggle to understand. Do both jobs have to go into the same category? Or does one job have to fall into Cat A and the other into Cat B.
I've read Appendix FM 1.7 many times and just cannot grasp what is acceptable and what is not.
For example if I was to no longer have any out of hours enhancements I would have a baseline pay before tax of roughly 1380 per month. This would be my lowest possible earnings I could have in a month and I know they multiply your lowest month of earnings from the last 6 months by 12 to find your annual income. This would leave me with a shortfall. However on other months I will have received enhancements and also have received £500 to £700 from my flexi hour job which should more than cover the shortfall. I just want to know if it would be accepted.
I am trying to save at the same time the £16,000 required however I'm at least a year from acheiving that and then with a further 6 months needed for it to be untouched and 'in my control' in my bank account leaves me and my partner being apart for longer than I'd wished.

[samanthakmann]

If you earning sufficient income alone from one job then only show that one to keep the calculations much easier.

However I'm not seagul because £18,600 is the threshhold and my baseline pay is £16,600 so I fall £2,000 short. I had to do a large amount of overtime to receive enhancements to the amount of £20,000 for the 2017-18 tax year. I may not even receive the same amount of over time next year when I'm ready to apply. That's why I need to know if I can combine 2 jobs.

Earnings from both jobs can be combined.

Can you explain how you know this is true? Such as an explanation that I may be unable to find in Appendix FM 1.7 (as I struggle to understand it at all) or maybe personal experience?

[seagul]

Let me try to make it clarify for you. Yes it will be wiser if you start doing overtime which will make your wages be variable leading to non-salaried person where the average of last 6 months are taken to calculate annual salary instead taking the lowest wages figure under category A.
But if your wages are not sufficient through main job and you will undertake another job with different employer then I think you may fall under category B where 2 parts need to fulfill. First you must have earned £18600 during the last 12 months and secondly you must have earned at least £9300 during the last 6 months even through various jobs with different employers.
Alternatively, you can cover the shortfall from main job through savings if you have but first £16000 will be disregarded.
Hope it clear you

[samanthakmann]

Hello to all!
I've posted this question before and unfortunately didn't have much of a response so hoping to give it another try.
My hubby to be is Moroccan and we have planned our wedding in December.
Shortly after marrying we want to apply for the 2.5 year Family Visa.
I work for the NHS as a Healthcare Assistant and my baseline pay is £15,600 roughly. This obviously falls below the income threshold required. However this last tax year I earned slightly over £20,000 after out of hours enhancements and overtime. I also have a second flexi hour job with the NHS's bank staff system, which I earn on average roughly another £500 to £700 every month.
Therefore, these two incomes combined I am well over the threshold.
I have held both jobs for over 12 months by the time it comes for us to apply for the visa.
Ultimately my question is, am I able to combine both my full time job income, and my flexible hourly income? Also how would I display this in my application when using the Category A/B system (which I have no understanding of)

Thanks a lot in advance

Sam

[Londoner007]

Yes, provided both salaries together have a total gross monthly pay of £1550 in each of the 6 months.

[CR001]

Topics Merged (click)
Not sure what response you are looking for by posting the same question when you already had responses and explanation by user 'seagul'.

[samanthakmann]

Topics Merged (click)
Not sure what response you are looking for by posting the same question when you already had responses and explanation by user 'seagul'.

I wasn't fully understanding or satisfied with the response so I tried to repost to see if anyone could further help me.