musriz wrote:
For Cat A they take the lowest payslip for salaried employment.
Cat B is for those whose salaries vary so mainly foe non salaried jobs.. here they average it out.
Please be very careful when giving out advice as in Cat A they do not average it out. Full details are crystal clear in their Financial requirements guidance on their website.
For CAT A they take the lowest payslip for salaried employment - yes.
CAT B is for those who who meet the requirement by having 12 months payslips, or who have had 2 jobs which have earned them £18,600 over the year.
CAT A allows non-salaried employment.
5.1.4 The only difference in Category A between salaried and non-salaried employment is how gross annual salary or employment income is calculated:
Where the person is in salaried employment – they must have been paid throughout the period of 6 months prior to the date of application at a level of gross annual salary which equals or exceeds the level relied upon in the application. Therefore the figure used towards the requirement will be the lowest level of annual salary received during the 6 month period.
Where the person is in non-salaried employment – the level of gross annual employment income relied upon in the application will be the annual equivalent of the person‟s average gross monthly income from non-salaried employment in the 6 months prior to the date of application (where that employment was held throughout that period).
To calculate this annualised average for non-salaried employment in Category A the following calculation should be used:
(Total gross income from employment held throughout the 6 month period, divided by 6) multiplied by 12 = Income from non-salaried employment that can be counted towards the financial requirement.
https://www.gov.uk/government/uploads/s ... 140324.pdf
I'm certain I am right as we applied this way last time. We had no problem as it wasn't mentioned in our holding letter. Only that our savings did not meet the requirement it needed to.
They also give an example in example C for CAT A for non-salaried employment.
5.1.7
Example (c) The applicant‟s partner is in non-salaried employment in the UK. He works on a weekly rota basis and does not receive any paid holidays. He has earned £450 each week in the same job for the last 7 calendar months, except for the week prior to the date of application when he earned £150 owing to a holiday.
Non-salaried income = (gross earnings from employment held throughout the 6 month period, divided by 6) x 12
= ((25 weeks x 450 + 1 week x 150) ÷ 6) x 12
= (11,400 ÷ 6) x 12 = £22,800
So the financial requirement is met through Category A non-salaried employment.