Understanding Appendix FM SE: Specified Evidence in UK Family Visa Applications
Applying for a family visa to the UK under Appendix FM of the Immigration Rules can be challenging, particularly when it comes to meeting the financial requirements. A critical component of a successful application is providing the correct supporting documents, as defined in Appendix FM-SE (Specified Evidence). This article offers an SEO-friendly, plain-English guide to help applicants and sponsors understand what evidence is needed to satisfy the Home Office, and how UKImmigration.law can support you throughout the process.
What is Appendix FM SE?
Appendix FM-SE sets out the specific documentation required to demonstrate that an applicant meets the financial criteria of Appendix FM. It applies to family visa categories such as:
Spouse or partner visas
Fiancé(e) visas
Parent visas
Child dependants
If the specified evidence is not provided exactly as required, an otherwise eligible application may be refused.
Why is Appendix FM SE Important?
The Home Office applies the rules strictly. Even if your income clearly exceeds the threshold, failure to include correct documents can lead to a refusal. Understanding Appendix FM SE helps you:
Submit a complete and compliant application
Avoid costly delays or appeals
Increase your chance of success on the first attempt
The Financial Requirement: Quick Overview
The minimum income threshold is currently:
£18,600 per year for a partner
£22,400 if one child is also applying
£2,400 for each additional child
These figures are subject to change, so always check the latest government guidance or seek advice from a qualified immigration lawyer.
The financial requirement can be met through:
Employment or self-employment income
Non-employment income (e.g. rental income, dividends)
Cash savings
Pension income
A combination of the above
Each source of income has its own evidence requirements under Appendix FM SE.
Specified Evidence Categories Explained
Let’s break down the most common income categories and the documents required under Appendix FM SE.
1. Employment Income (Category A & B)
Category A applies if the sponsor has been employed by the same employer for at least 6 months.
Required documents:
Payslips covering the last 6 months
Corresponding bank statements showing salary deposits
A letter from the employer confirming employment details
Category B applies if the sponsor has been with their current employer for less than 6 months, or has had multiple jobs.
Additional requirements:
Payslips and bank statements covering the last 12 months
Evidence of current employment
2. Self-Employment Income (Category F & G)
Category F is for self-employment in the UK as a sole trader, company director, or in a partnership.
Required documents:
HMRC tax return (SA300 or SA302)
Corresponding tax year overview from HMRC
Audited or unaudited business accounts
Bank statements covering the financial year
Accountant’s letter (if applicable)
Category G is for self-employment overseas.
Additional evidence required:
Equivalent foreign tax documents and business records
3. Non-Employment Income
This includes income from:
Property rental
Dividends
Stocks and shares
Required documents:
Evidence of ownership (e.g. title deeds)
Tenancy agreements
Tax documents or dividend vouchers
Corresponding bank statements
4. Pension Income
Applicants relying on pensions must submit:
Official pension statements or letters
Evidence of regular pension payments
Bank statements showing the deposits
5. Cash Savings (Category D)
You can rely on savings of at least £62,500 held for a minimum of 6 months.
Required documents:
Bank statements covering the 6-month period
Confirmation of account ownership
Statements showing the origin of funds (if recently deposited)
Savings must be in a regulated financial institution and accessible in the UK.
6. Combined Income (Category E)
If you are combining sources (e.g. part salary, part savings), each category’s evidence requirements must be met in full.
Common Pitfalls and How to Avoid Them
❌ Submitting the wrong format
Some applicants submit screenshots or summaries instead of official statements or letters. Appendix FM SE requires original or officially certified copies.
❌ Missing pages
A missing bank statement page or pay slip can invalidate the entire category of evidence.
❌ Unexplained discrepancies
Discrepancies between pay slips and bank statements (e.g. net pay doesn’t match deposit) must be explained clearly.
❌ Using ineligible sources
Some income types, such as third-party support or informal gifts, are not accepted.
Can the Home Office Ask for More Documents?
No. As of recent policy, the Home Office is not obliged to request missing evidence. If your application lacks required documents, it will likely be refused without further contact.
Exceptional Circumstances: Discretion and Human Rights
In rare cases, the Home Office may exercise discretion if refusal would breach Article 8 of the ECHR (right to family life). However, this is not guaranteed and requires strong supporting evidence.
At UKImmigration.law, we always recommend submitting a fully compliant application to avoid relying on discretion.
How We Can Help
At UKImmigration.law, we specialise in preparing successful family visa applications under Appendix FM. Our services include:
Assessing which income category applies to your case
Checking your documents for full compliance with Appendix FM SE
Drafting representations to address any grey areas
Liaising with employers or accountants for supporting letters
Providing full legal representation from start to finish
Final Thoughts
Appendix FM SE is one of the most technical parts of UK immigration law. The rules are precise, and even minor errors can lead to devastating refusals. But with the right legal support, applicants can present a strong, compliant case.
If you’re considering a UK family visa application, contact us at UKImmigration.law for expert guidance and peace of mind.