Meeting the financial requirements is a crucial aspect of a UK Partner Visa application. Both the sponsoring partner (the UK resident) and the applicant need to demonstrate that they meet the financial criteria set by the UK Visas and Immigration (UKVI). Here’s a detailed guide on the financial requirements for a UK spouse visa application:
Minimum Income Threshold:
The sponsoring partner must have a minimum income threshold to sponsor their spouse. The threshold can vary based on factors such as whether there are dependent children applying and where the couple is living. As of the last update in 2022, the minimum income threshold for sponsoring a spouse is £18,600 per year. Additional income is required if there are dependent children.
Financial Evidence for Sponsoring Partner:
- Provide evidence of the sponsoring partner’s income, which may include:
- Payslips covering a specified period.
- Bank statements showing regular income.
- A letter from the employer confirming employment, income, and job stability.
- If self-employed, business-related financial documents and tax returns.
Non-Employment Income:
Non-employment income, such as rental income or dividends, can be included to meet the financial requirement. Supporting documents, such as tenancy agreements or dividend statements, should be provided.
Savings and Cash Reserves:
Savings can be used to supplement income to meet the financial requirement. However, there are specific rules regarding how much can be counted from savings. Generally, £16,000 of savings can be used, with additional savings above this threshold contributing to the financial assessment.
Combination of Income and Savings:
It’s possible to use a combination of income and savings to meet the financial requirement. The calculation involves a specific formula set by the UKVI, and it’s crucial to ensure accurate documentation.
Adequate Accommodation:
The couple must demonstrate that they have adequate accommodation without relying on public funds. Provide evidence of the property ownership, rental agreement, or a letter from the property owner confirming permission for the couple to reside there. If there are dependent children applying with the spouse, additional financial requirements apply. The minimum income threshold increases with the number of dependent children.
English Language Requirement:
While not directly related to finances, it’s important to note that meeting the English language requirement is another key aspect of a spouse visa application. Ensure that the applicant fulfills the language proficiency criteria.
Tuberculosis (TB) Test (if applicable):
Depending on the country of residence, a TB test may be required. Check the specific requirements for your situation. Given the complexity of financial requirements, seeking advice from immigration professionals or the UKVI is advisable. Professional guidance can ensure accurate calculations and proper documentation.
Income Threshold
One of the primary financial requirements for a UK spouse visa is meeting the minimum income threshold. The current income threshold for sponsoring a spouse is £18,600 per year. This threshold increases if there are dependent children involved:
- For one child in addition to the partner, the threshold is £22,400.
- For each additional child, add £2,400.
For example, if you’re sponsoring your spouse and two children, the minimum income requirement would be £24,800 per year.
Sources of Income
Income can come from various sources, including:
Employment or Self-Employment:
Your salary, bonuses, and other employment benefits can count towards the threshold. Self-employed applicants must provide evidence of their income, typically through tax returns and business accounts.
Savings:
If your income falls short, savings can be used to make up the difference. The formula used is that savings over £16,000 can be divided by 2.5 (the number of years in the initial visa period). For example, £20,000 in savings would contribute £1,600 towards the income requirement. Pension income can also be considered as part of the financial requirement. This can include rental income, investments, and certain benefits like maternity pay.
Proof of Income
To prove that you meet the financial requirement, you’ll need to provide documentation. This varies depending on the source of income but typically includes:
- Employment Income: Pay slips for the last six months, a letter from your employer, and bank statements showing your income.
- Self-Employment Income: An SA302 tax calculation form, business accounts, and bank statements.
- Savings: Bank statements showing the savings have been held for at least six months.
- Pension or Other Income: Relevant documentation showing the amount and frequency of the income.
Meeting the Requirement as a Couple
The income requirement can be met individually or as a couple. This means that if the UK sponsor and the applicant are both earning, their combined income can be used to meet the threshold. However, it’s important to note that the applicant can only count income earned while legally in the UK.
Exceptions to the Financial Requirement
There are some exceptions to the financial requirement:
If the UK sponsor is receiving certain disability-related benefits or carer’s allowance, the income threshold may not apply. Instead, they must show adequate maintenance and accommodation. : In some cases, other forms of income or financial support can be considered, but this is typically on a discretionary basis.
Adequate Maintenance
For those exempt from the income threshold, they must show they have adequate maintenance. This means that after paying for accommodation, they have as much money as a British family of the same size would get from income support. This amount is currently £117.40 per week for a couple, plus additional amounts for children.
Accommodation Requirement
Alongside the financial requirement, there is also an accommodation requirement. You must prove that there will be adequate accommodation for you and your spouse without needing public funds. This means having a home that’s suitable and not overcrowded.
Potential Pitfalls and Tips
Ensure all documents are accurate and cover the required period. Incomplete or incorrect documentation can lead to delays or rejections. Consider seeking advice from an immigration solicitor, especially if your situation is complex. They can help ensure that all requirements are met and documentation is correctly presented. Be aware of how savings are calculated and ensure they have been held for the required period.
Conclusion:
Meeting the financial requirements for a UK spouse visa application involves providing clear and comprehensive evidence of income, savings, and accommodation. By carefully following the guidelines set by the UKVI and seeking professional advice when needed, couples can enhance their chances of a successful application.
