This blog serves as a financial guide for those seeking to join their loved ones in the UK through a partner or family visa.
Navigating the financial requirements for partner or family visas can be complex. Under Appendix FM to the Immigration Rules, applicants must demonstrate an annual income of at least £18,600 (set to be increased to £29,000 from 11 April 2024), with additional provisions for children. But what sources of income can be combined to meet this threshold?
There are several categories of income outlined in the regulations:
Employment (Categories A & B): Employment income can be categorised into either being for more than 6 months (Category A) or less than 6 months (Category B). The former requires a stable employment history, whilst the latter accommodates recent job changes or variable incomes.
Non-employment Income (Category C): This includes income from rental properties, dividends, or interest from savings. Income from these sources over the past 12 months can be relied upon.
Cash Savings (Category D): Savings above £16,000, held for a continuous period of 6 months, can contribute to meeting the financial requirement. However, there are specific rules regarding their use in combination with other income sources.
Pension (Category E): Income from state, occupational or private pensions can also be considered.
Self-employment and Directorships (Categories F & G): Those in self-employment or director roles can use income from the last full financial year to meet the requirement.
Combining Income Sources:
Permissible Combinations: Category A income can be combined with Categories C, D and E. Similarly, Category B income can also be combined with these sources. However, Category B income cannot be combined with cash savings at certain stages.
Restrictions: Income from Categories A and B cannot be combined with each other. Additionally, cash savings cannot be combined with self-employment income or income from directorships.
Understanding these nuances is crucial for a successful visa application. Whether relying on employment, investments or savings, applicants must document and evidence their financial circumstances. By understanding the permissible combinations of income sources and the associated regulations, applicants can navigate this aspect of the process with confidence.
How Gherson can assist
Gherson’s Immigration Team are highly experienced in advising on UK visa matters. If you have any questions arising from this blog, please do not hesitate to contact us for advice, send us an e-mail, or, alternatively, follow us on X, Facebook, Instagram, or LinkedIn to stay-up-to-date.
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