Saturday, 13 January 2018

10 Common Mistakes - Financial Requirement for UK Spouse Visa - #1 Savings

In this series we will address the common mistakes the applicants make when applying to come or to remind in the UK with their British partner. We will put the most common one - by far - at the end in Week 10.

So, the UK Immigration Rules require to have income of £18600 or savings of ... how much?

There is so much confusion! The mistake people make here is assuming that they need savings of also £18600.  Then they may spot a requirement of “savings over £16000”. Both amounts are wrong, the correct answer is the whopping amount of £62500!

The threshold of £18600 applies to income, not savings.

The amount of savings is calculated using a specific formula. The first £16000 aren’t taken into account at all. This part of the calculation is often taken out of context, so many wrongly thing they are OK as long as they have £16000, but it’s only the 1st part.

Then the target amount £18600 is multiplied by 2.5 to reflect the Spouse visa length of 2.5 years.

We get: £18600 x 2.5 + £16000 = £62500, which is the correct answer.

How to calculate if you have some income and only using savings for the difference? Same formula but different threshold.

Let’s imagine your income is £15000, so the difference is £18600 - £15000 = £3600.

Then you need savings of £3600 x 2.5 + £16000 = £25000.

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