At Whytecroft Ford, we specialise in advising and representing clients navigating the UK Spouse Visa application process. In this case, we supported a successful UK Spouse Visa application with cash savings and employment income, a combined approach permitted under Appendix FM of the Immigration Rules.
Understanding the Spouse Visa Financial Requirement
Meeting the financial requirement for UK spouse visas can be complex, especially when applicants rely on multiple income sources. In this matter, the couple satisfied the £29,000 per annum minimum income threshold (as required from April 2024) through a combination of salaried employment and qualifying savings.
When structured correctly, a UK Spouse Visa with cash savings and employment income is fully compliant under relevant immigration rules. However, this route requires careful coordination of timelines, currency conversion, and evidentiary documentation to avoid refusal.
Case Background: A Cross-Border Commitment
Our client, a Zimbabwean national residing in Europe, had formed a genuine relationship with her British partner over several years. After marrying abroad, they wished to settle in the UK and begin their life together.
The legal challenge was clear: prepare a compliant and persuasive application for entry clearance as a partner under Appendix FM. This involved combining income sources, demonstrating adequate accommodation, satisfying the English language requirement, and proving the relationship’s authenticity.
How We Structured the Application
We approached the matter with a clear legal strategy, focused on ensuring every element of the application aligned with Home Office rules:
- Financial Requirement Met Through Combined Sources: We verified the sponsor’s six-month UK employment history and combined it with the applicant’s foreign cash savings held for over six months in a regulated overseas account. All documents met the evidentiary rules, including accurate currency conversion.
- Genuine Relationship and Valid Marriage: The couple’s legally recognised marriage, extensive travel history, and ongoing communication were evidenced to demonstrate a genuine, subsisting relationship.
- Adequate Accommodation: The sponsor resided with family members in a private property that provided adequate housing for both parties without overcrowding or breach of housing regulations.
- English Language Requirement Met: The applicant passed a UKVI-approved English language test at CEFR A1 level, satisfying the requirements for first-time applicants.
- Procedural Validity and Suitability: We confirmed compliance with all procedural elements, including biometrics, declaration forms, and suitability under the Immigration Rules.
Outcome: Entry Clearance Granted
The application was prepared to a high professional standard, with no gaps or inconsistencies in the supporting evidence. The Home Office granted entry clearance, allowing our client to join her partner in the UK as planned and begin her new chapter.
Client Experience: Reassured and Fully Supported
Our client approached us with a clear objective: to ensure the visa application process was completed accurately and efficiently. From our perspective, she was diligent, responsive, and committed throughout the process.
She appreciated the detailed and patient guidance we provided, particularly in navigating the technical aspects of combining income and savings for a UK Spouse Visa. Our ability to break down complex requirements into clear, actionable steps helped her feel confident in an otherwise overwhelming process.
“We had a great experience and would recommend to anyone needing assistance.”
Considering a Spouse Visa Application? Let Us Help
Whether you’re relying on employment income, savings, or a combination of both, satisfying the financial requirement under Appendix FM demands legal precision. At Whytecroft Ford, we provide end-to-end legal support for partner visa and entry clearance applications, ensuring that your case is fully compliant and ready for submission.
Contact our experienced professional team on +44 208 757 5751 or use our contact form.
