Affording a life with your partner shouldn’t be a problem. The financial criteria for a spouse visa in the United Kingdom must be met to get one. These UK spouse visa financial requirements are notably strict.
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Applying for a Spouse/Partner Visa to join a partner in the UK requires you to achieve a certain income requirement unless you are exempt.
Partners applying under Appendix FM are required to earn a minimum of £29,000 per year, regardless of whether they have any dependent children or not.
The necessary funds may be raised from a variety of sources. Included in this category are pension income, rent, and wages from jobs or self-employment. If you have more than £16,000 in savings, you may use it to cover the required income. Savings of over £65,000 may also be achieved independently.
You are free to spend your hard-earned cash in the UK, where it will contribute to the family’s standard of living. Under some circumstances, you might not even be liable to pay the amount.
For decades, clients have relied on the legal expertise of Rees Clayton Solicitors to assist them in obtaining a UK Spouse Visa. We will verify with our team that you fulfil all requirements. You can rest assured that they will gather all the required documentation and verify that you have sufficient income proof.
With the assistance of a seasoned visa advisor, you can improve your application and boost your chances of approval. To discuss your Spouse Visa application, please call us at 02033939272 or send an email.
A minimum of £29,000 is required to apply for a Spouse visa (which does not include any dependent children).
Employment income and non-employment income are the two informal categories into which different forms of income fall.
To fulfil the financial criteria of the Spouse visa, you are allowed to use the following sources of job income:
Earnings from Employment
Earnings from Self-Employment
Savings
Pension Income
Passive Income
When applying for a spouse visa, you may fulfil financial criteria using the following non-employment-related sources of income:
Each of the above income sources can be put into one of seven groups.
With these groups in mind, it’s much simpler to find out what each Spouse’s visa application needs in order to be eligible.
This is because some things are very different for different types of income, like how gross annual income is measured.
Furthermore, these classifications clarify which forms of income may be combined to provide the minimal need and which cannot.
To give you a broad idea, these are the main types of income:
You can determine your category by using the UK spouse visa financial requirement calculator.
Before you can figure out how much money you make from Category A, you need to know whether it’s salary or not.
When an individual is hired for a certain amount of hours and guaranteed a certain rate of pay, this arrangement is often known as a salaried income.
When your pay is directly proportional to the effort you put in and your hours may be flexible, this is known as non-salaried income.
When applying for a spouse visa, you must provide proof of sufficient income, which includes a minimum of six months of paid wages. To do this, take the lowest salary payment you got in that time and multiply it by either twelve for monthly wages or fifty-two for weekly wages.
In order to determine whether your yearly salary is sufficient to reach the basic minimum income criteria, you must multiply your lowest monthly salary payment from the six months previous to the application date by 12. In this case, if your lowest monthly payment was £1,800, your total annual salary would be £21,600.
You need to total up all of your gross income from the six months before your application date in order to determine your non-salaried income, which is a financial criterion for the Spouse visa.
The next step is to divide the result by 6, and then multiply it by 12.
If, during that six-month period, your total gross income was £11,000, for instance, you would need to divide that amount by 6, yielding £1833.33. After that, you’ll have to multiply by 12, which will give you £22,000 far too much to qualify for the federal minimum wage.
You need to know whether your income is salary or non-salaried before you can figure out how much of it falls into Category B.
When an individual is hired for a certain amount of hours and guaranteed a certain rate of pay, this arrangement is often known as a salaried income.
When your pay is directly proportional to the effort you put in and your hours may be flexible, this is known as non-salaried income.
In order to fulfil the financial criterion for Category B, you need to pass two examinations. In order to fulfil the financial criterion for the Spouse visa, you will need to find an alternative source of income if you do not pass both examinations.
With a salary from category B, there are two tests you need to pass in order to fulfil the financial criterion for the Spouse visa:
You need to have a yearly gross wage that is more than the minimum income requirement as of the application date.
Additionally, in the twelve months before the application date, your salary must have been greater than the minimum required.
Your most recent pay stub or a legally binding contract of employment will detail your gross yearly wage. Multiplying your monthly payment by 12 or your weekly payment by 52 can give you an idea of whether you’ve met the minimal requirement.
Two exams are necessary to prove that your non-salaried income from category B is sufficient to satisfy the financial criteria of the Spouse visa:
Your yearly revenue must be more than the required minimum.
Additionally, in the twelve months before the application date, your salary must have been greater than the minimum required.
Your average yearly wage may be found by adding together all of your pre-tax earnings throughout your whole job.
If you get paid daily, multiply this figure by 52. If you get paid weekly, multiply this figure by 12. If you get paid monthly, divide this figure by the total number of days, weeks, or months that you’ve worked for your current employer. Then, multiply this figure by 365.
After this, you will find your average yearly pay.
When calculating Category C income, it is common practice to add up all sources of income for the twelve months preceding the application date.
Keep in mind, too, that if you’re mixing revenue from more than one category, this rule could change.
When calculating rental revenue for this category, it is important to note that if the property is held by a third party, you are only required to include income from your share of the property.
There is a precise formula that can be used to determine the percentage of the minimum income criterion that may be met by using cash savings to qualify for the Spouse visa.
Here is the formula:
Pension income can be used to meet the minimum income requirement for a Spouse visa, but there are two conditions: first, the income must be included in the applicant’s gross annual income as it is at the time of application; and second, the income must have been a source of income for at least 28 days before the application date.
You are required to enter the gross sum of any income indicated or declared in the most recent full financial year, whether it be from employment or dividends paid by a defined limited business.
To find this out, you may look at your CT600 or corporate tax return.
At the same time, self-employed people are required to report their entire gross taxable earnings from their portion of the firm in the most recent full fiscal year.
The final complete fiscal year falls during the last full cycle of the self-assessment tax period, which typically extends from 6 April to 5 April in this context.
When you apply for a Spouse visa, you must demonstrate that this income from self-employment is still supporting your family.
You need to include the amount of all revenue that was indicated or declared in the past two complete fiscal years for employment and dividends from a designated limited firm.
The most recent two tax returns (or CT600s) filed by your business should help you with this.
After that, you need to figure out how to average these two fiscal years. Just sum the two numbers and divide by 2. That should do it.
At the same time, self-employed people are required to report their aggregate gross taxable earnings from all company holdings throughout the past two fiscal years.
Within this framework, the last two fiscal years will correspond to the self-assessment tax period’s entire cycles, often spanning from 6 April to 5 April.
If you are applying for a UK spouse visa and have a dependent child, the financial requirement increases to ensure you can support your family without relying on public funds.
To achieve the minimum income criteria for a Spouse visa, you may usually combine types of income, as long as you meet the precise requirements and limitations for each.
You will only be allowed to mix certain sorts of categories. If you want a broad idea of what kinds of income won’t get you over the minimum income requirement, here it is:
The Spouse visa application procedure may become quite complex when trying to combine income sources. There are strict rules and limitations on the proper way to compute combined income sources, and specific criteria and needs may vary according to the sources you want to combine.
Call one of our legal advisors at 02033939272 or send us an email if you have any questions about the Spouse visa financial criteria or would want professional, personalised guidance on how to combine income sources to satisfy it.
You or your spouse’s (the sponsor’s) income from the UK will not count towards the spouse visa’s minimum income criterion if you receive any of the following:
The following documents are also required to be sent to the Home Office with your passport application:
The UK government recognises the sacrifices made by members of the armed forces and allows them to sponsor family members with a reduced income criterion.
Spouse and partner visa applicants must maintain a minimum annual income of £23,496; this amount remains unchanged regardless of the number of dependent children being sponsored.
Extending a UK Spouse Visa that was first filed before April 11, 2024, has different financial criteria than applying for the visa for the first time.
Both you and your spouse (who must have been the same person when the Spouse Visa was obtained) need to prove that you earn a minimum of £18,600 per year.
There may be certain exceptional circumstances that allow you to apply for a Spouse visa even if you don’t meet the mandatory minimum income threshold.
For example, any of the following may result in a successful Spouse visa application despite not meeting the financial criteria:
However, it is essential to acknowledge that each decision is made at the discretion of the Home Office and the individual immigration caseworker. When considering your case, the Home Office may or may not apply these principles closely.
You may be able to get away with using other trustworthy sources of income if the Home Office is on your side.
However, there are situations when they might reduce the minimum income requirement if there is a strong argument in favour of doing so.
Be aware that the usual 5-year path to indefinite permission to stay will be replaced with the 10-year one if your Spouse visa application is accepted even if you do not match the financial conditions.
When it comes to the financial criteria for the Spouse visa in the UK, Rees Calyton is the go-to immigration firm for knowledgeable counsel. Our services include everything from checking for sufficient evidence to determining financial eligibility, writing a detailed Letter of Representation outlining the case, communicating with the Home Office, and meticulously filling out the application form.
Our team of attorneys has been helping people apply for UK spouse visas for decades, so they know how to gather all the necessary paperwork and evidence of income. In order to increase the likelihood of a successful application, we also provide professional guidance. If you would like to speak with an attorney about applying for a Spouse Visa, Rees Calyton has locations in Birmingham, Manchester, and London. Get in touch with us at 02033939272 or submit an online form right now.
You may meet the financial criterion by combining revenue from different sources. Income from job or self-employment (within the first six months), pension, alimony, child support, sick pay, and other non-employment income (such as rent or share profits) are all eligible.
After six months under the couple’s supervision, they may save more than £16,000.
If you want to apply for a UK spouse visa in 2025, you may bring funds from outside the country to satisfy the financial criteria.
When converting your funds into British pounds, the Home Office will use the exchange rate that is shown on the official website on the day of your application.
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