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-   -   Combining Sponsor and Applicant Income (https://www.expatforum.com/expats/britain-expat-forum-expats-living-uk/1489386-combining-sponsor-applicant-income.html)

Brom143 10th October 2019 03:58 PM

Combining Sponsor and Applicant Income
 
Just a survey, did any of you combine your income even if your sponsor (partner) alone can meet the financial requirement? And did you have any problems with it? Just wondering.

topo morto 10th October 2019 05:06 PM

We were going to do this for our last application, but in the end we just used my income as if we wanted to find a point in time where...
  • my most recent payslip
  • a recent bank statement for me showing that payslip
  • her most recent payslip
  • a recent bank statement for her showing that payslip

...were all less than 28 days old, we'd have had to wait longer for the appropriate 'window'.

Brom143 10th October 2019 05:09 PM

Quote:

Originally Posted by topo morto (Post 14966018)
We were going to do this for our last application, but in the end we just used my income as if we wanted to find a point in time where...
  • my most recent payslip
  • a recent bank statement for me showing that payslip
  • her most recent payslip
  • a recent bank statement for her showing that payslip

...were all less than 28 days old, we'd have had to wait longer for the appropriate 'window'.

That’s fair enough. I know a friend who was going to put her income as well but cannot get her certificate of employment in time so ended up just using her partners income.

Crawford 10th October 2019 07:02 PM

Quote:

Originally Posted by Brom143 (Post 14966020)
Thatís fair enough. I know a friend who was going to put her income as well but cannot get her certificate of employment in time so ended up just using her partners income.

Why would you want to put two incomes down when one will suffice?

It only complicates matters with two sets of documentation and figures to wade through.

If you qualify using one income just use that........

topo morto 10th October 2019 07:33 PM

Quote:

Originally Posted by Crawford (Post 14966076)
Why would you want to put two incomes down when one will suffice?

I guess one motivation would be that if one person's set of income evidence is not found to be acceptable for some reason, the other set of income evidence is there as a fallback.

Crawford 10th October 2019 07:56 PM

Quote:

Originally Posted by topo morto (Post 14966106)
I guess one motivation would be that if one person's set of income evidence is not found to be acceptable for some reason, the other set of income evidence is there as a fallback.


That is just giving the ECO additional work - checking through the first set of income documents, finding them not acceptable and then working through the second to see if that set is OK.

If you think your income is 'dubious' then just provide the one that you know is going to meet the financial requirements.

There is no reason to expect an ECO to plough through the second set of documents; they just might refuse based on the first.

The only good reason to provide two sets of income is where you NEED two incomes to meet the financial requirements.

topo morto 10th October 2019 08:17 PM

Quote:

Originally Posted by Crawford (Post 14966112)
If you think your income is 'dubious' then just provide the one that you know is going to meet the financial requirements.

I think everyone would agree with that - if you yourself don't believe that a set of evidence would be acceptable, it would be better not to use it if you have a choice. But as you know from kindly helping out on this forum, many people have doubts about their evidence, and not all of those people have their doubts resolved.

Ultimately, because there's no one place in which it's spelled out exactly what the evidence requirements are, many of us send off our evidence with some doubts (even though it may be absolutely fine).

Quote:

Originally Posted by Crawford (Post 14966112)
That is just giving the ECO additional work - checking through the first set of income documents, finding them not acceptable and then working through the second to see if that set is OK.

I'm not sure that makes sense! If the first set of income documents aren't acceptable (e.g. they're 29 days rather than 28 days old), then surely it's a very good thing that the second set was included? It at least gives the ECO an opportunity to look at that evidence and approve.

Quote:

Originally Posted by Crawford (Post 14966112)
There is no reason to expect an ECO to plough through the second set of documents; they just might refuse based on the first.

I'd hope an ECO would conscientiously, professionally and neutrally examine all the evidence supplied - at least any evidence that looked remotely relevant - to see if the requirements have been met!

I'm not trying to challenge your advice that keeping it simple is best - we've followed that advice ourselves and it worked well for us. I'm just answering your earlier question in saying that there are logical reasons to want to submit two lots of income.


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