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Discussion Starter #1
Hi all, hope someone can help.

So, my permenant job which I've held throughout the entire visa process, might come to end before our ILR submission date which is June 2020. In short alot has been going on at work and it's really stressful. If we didn't have to worry about the visa, I'd have resigned already.

My questions around these scenarios, if someone can please help.

1. If I leave job before ILR application, and continue working for another company, but not a permenant contract, maybe a zero hour contract. Will this be an issue? As potentially there would not be a break in my yearly / monthly income?. I understand that I maybe need to provide 12 months bank statement rather than the usual 6.

2. We have a flat which we have started to let since Aug 2019. By june it will be just under a year. Can the income from property be included incase we need to? I read somewhere that it has to have been let out for a year.

Thanks guys.

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Discussion Starter #2
Hello,

Thought I'll simplify the question a little:

1. With about 6mths remaining, can I use 6 months worth of payslip from previous job, to include self employed jobs 6 months pay?

2. Can I include rental income even though property hasn't been let for 12 months yet.

Thanks.

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Hello,

Thought I'll simplify the question a little:

1. With about 6mths remaining, can I use 6 months worth of payslip from previous job, to include self employed jobs 6 months pay?

2. Can I include rental income even though property hasn't been let for 12 months yet.

Thanks.

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If you get a new job and work there for 6 months prior to the application, and it earns 18,600 GBP or above you can apply under Cat A

If you get a new job and, at time of application, you have worked there for under 6 months you apply under Cat B and show 12 months of payslips proving you have earned 18,600 and above

In both cases you can use self employment if it is in the same period as the employment.

Read the following document carefully for full details.

https://assets.publishing.service.g...pendix-FM-1-7-Financial-Requirement-ext_1.pdf

You cannot use rental property as income if it has not been up and running for 12 months or more.
 
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Discussion Starter #4
If you get a new job and work there for 6 months prior to the application, and it earns 18,600 GBP or above you can apply under Cat A



If you get a new job and, at time of application, you have worked there for under 6 months you apply under Cat B and show 12 months of payslips proving you have earned 18,600 and above



In both cases you can use self employment if it is in the same period as the employment.



Read the following document carefully for full details.



https://assets.publishing.service.g...pendix-FM-1-7-Financial-Requirement-ext_1.pdf



You cannot use rental property as income if it has not been up and running for 12 months or more.
Thank you Crawford for the response and also providing a link.

It's useful to know not to depend on rental income now then.

I am assuming that as long as we can provide we're earning at least £18600 pa, it doesn't matter if we did change jobs in between, providing we can evidence this through payslip / bank statements.

Many thanks

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Thank you Crawford for the response and also providing a link.

It's useful to know not to depend on rental income now then.

I am assuming that as long as we can provide we're earning at least £18600 pa, it doesn't matter if we did change jobs in between, providing we can evidence this through payslip / bank statements.

Many thanks

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... and the other thing we have not mentioned is that you can use your partner's income as well to qualify.
 
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Discussion Starter #6
... and the other thing we have not mentioned is that you can use your partner's income as well to qualify.
Yes. I have taken this into account, as my partner works part time, & has held job for over 2 yrs now. If needed, we will combine income. Thank you Crawford for your help on this. I hope I would not have to leave job now, as been very patient, and this is the last 6-7 months...

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Discussion Starter #7 (Edited)
Hi Crawford / all.

The below seems little confusing, if someone can shed some light:


6.1.2. Unless otherwise specified, the specified non-employment income which the applicant’s
partner and/or the applicant have received in the 12 months prior to the date of application can be counted towards the financial requirement.

(*does indeed say 12 months income prior to application can be used, but then the below is a little confusing and says it can be at least part of the 12 months*)


6.1.4. The asset owned at the date of application does not need to have been owned for 12 months prior to the date of application, but it must have been a source of income for at least part of that 12 month period. For example, the asset is owned at the date of application, has been owned for the last 3 months and has been a source of income
during that period of 3 months: that income can be counted towards the financial requirement.

Any help would be appreciated. Thank you.

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You have quoted from Appendix 1.7 Financial requirements.

As per Page 42 it states "Appendix FM-SE specifies further requirements for property rental income":

As per Appendix FM-SE Clause 10 states:

10. In respect of non-employment income all the following evidence, in relation to the form of income relied upon, must be provided:
(a) To evidence property rental income:
(i) Confirmation that the person or the person and their partner jointly own the property for which the rental income is received, through:
(1) A copy of the title deeds of the property or of the title register from the Land Registry (or overseas equivalent); or
(2) A mortgage statement.
(ii) personal bank statements for or from the 12-month period prior to the date of application showing the income relied upon was paid into an account in the name of the person or of the person and their partner jointly.
(iii) A rental agreement or contract.

My understanding is that 12 month statement means you need to show 12 months of income from rental property.

I will admit is does seem to contradict 6.1.4
 
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Discussion Starter #9
Thank you for the response. It is really confusing. I suppose it may be referring to some sort of business.

Really appreciate your help with this, Crawford. Thank you.

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Discussion Starter #10
Anyone know for sure If rental income needs to be evidenced for 12 months?

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Discussion Starter #11
Seeing that there were no responses. It looks like maybe it has to be 12month rental prior to application?

I have another question. Earliest we can apply for ILR is May 2020.

Say I leave my job in the next two months or so, and take up a zero hour / self employed job. Can I apply with this?

Thank you!

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We used less than 12 months of rental income as part of non-salaried income--our tenant was renting our flat for the 8 months prior to application, BUT this was in addition to savings and a second rental property and it was FIVE years ago.
As we know, the Home Office likes to change the hoops we jump through. :(
 

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Seeing that there were no responses. It looks like maybe it has to be 12month rental prior to application?

I have another question. Earliest we can apply for ILR is May 2020.

Say I leave my job in the next two months or so, and take up a zero hour / self employed job. Can I apply with this?

Thank you!

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If you leave your current job and take up self employment, then you CAN'T use the income from the self employment.
If you leave your current job and take up another job, then you can use the income from the new job but have to apply under Category B
 
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Discussion Starter #14
Thank you Crawford for letting me know. Good to know that I cant depend of these new zero hour economy jobs.

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Discussion Starter #15
If you leave your current job and take up self employment, then you CAN'T use the income from the self employment.

If you leave your current job and take up another job, then you can use the income from the new job but have to apply under Category B
Hi Crawford. Does it matter that the employment might not be permanent to start with?

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