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Financial requirement for the UK family visas is satisfied if the sponsor, the British partner, has an income of at least £18,600 per year or if the couple has savings of at least £62,500 (more if there are non-British children to be sponsored in the same application). It is possible to meet the financial requirement through a combination of savings and income. Use our spouse visa savings calculator to check how much money you need to meet the requirements through savings.
The financial requirement is met if the sponsor receives one of the disability-related benefits listed below. However, you still need to demonstrate that the sponsored partner will not be a burden on the public funds but do not have to show minimum income. Use our adequate maintenance calculator to check if you meet the financial requirements.
The list of qualifying benefits:
In exceptional circumstances where refusal of the application could be unjustifiably harsh to the applicant, their partner’s or child’s financial requirements can be met through alternative sources – such as third-party support, credible prospective earnings or other sources of income not available at the time of the application but which will be available once the visa is granted.
An exceptional circumstance is a significant part of the rule which is often ignored. The wording of the rule, and particularly the “unjustifiably harsh” formula is often misleading to the applicant. In fact, almost any refusal is harsh and not many families would readily accept that in their case harshness was justified.
Exceptional circumstances in applications for entry clearance
It is certainly more difficult to claim exceptional circumstances in entry clearance applications. If both partners are based outside the UK, they have to demonstrate that it is not just their preference to relocate to the UK but that they are unable to continue family life in the country where they live. Normally, you would be expected to show a significant change in circumstances – that is where the Home Office would start the assessment.
If you have a child who is a British citizen by birth, the best interests of the child would be a primary factor to be taken into consideration. Yet, since the UK has left the European Union and is no longer bound by the jurisprudence of the European Court, there is no inherent right for a British child to be brought up in the UK (what is known as Zambrano rule after the judgment of the ECJ). Instead, you will have to show that denial of an opportunity to be brought up in the UK could or would cause the British child significant hardship. This raises the bar much higher than the best interests of the child.
What could be or would be unjustifiably harsh
Here the Home Office adopted a hair-splitting approach: where the refusal could be unjustifiably harsh, the financial requirement may be met through alternative sources. Where the refusal would be unjustifiably harsh, the financial requirement does not have to be met.
The difference between could and would is difficult to pin down. One may say that where the risk of hardship is more than hypothetical and the economic considerations of the state would not justify the severity of the consequences for the applicant’s family, the conditions for this section of the rules are met. As an illustration, if a family with a British child is resident in a country where the education system is significantly below the UK standard and the family is unable to meet the financial requirement because the level of earnings in this country is much lower than in the UK, they may establish potential harshness in the effect of the lost opportunities for the child. They would then need to show that economic considerations would not justify this harshness – they would meet the financial requirement through an alternative source, for example, through earnings in the UK if there is a job offer or support from another family member.
Where the refusal will inevitably result in unjustifiably harsh consequences for the family, the economic consideration of the state would not be thrown on the scale. However, this would be a fairly extreme scenario. As an example, if a family with a British child is resident abroad and the child urgently needs medical treatment which is not available in the country of residence AND the British parent is unable to take the child to the UK without the other parent.
In entry clearance applications, i.e. applications made from outside the UK, it is more common to rely on alternative sources of income – that is, on “could” scenarios. Where there is no alternative source of income, the application would inevitably end up in a tribunal and the question for the judge will be whether the harshness of the refusal is justifiable in the given circumstances.
Exceptional circumstances in applications for leave to remain
Applications for a visa extension made from within the UK are easier, in a sense that the family would already have established family life in the UK and the refusal would cause disruption of this family life.
Normally, applications for an extension of stay where the couple are not able to meet the financial requirement because of an unexpected change in their financial situation – a redundancy, termination of employment, illness – or because of any setback of a temporary nature, should not justify their expulsion from the UK, with the inevitably harsh consequences that it would entail.
If there is a British child affected by the decision, I would say that expulsion of the family would be unjustifiably harsh in practically any scenario.
The above doesn’t really mean that once you are in the UK it makes no difference whether you meet the financial requirement or not. In particular, families without children who cannot meet the financial requirement through any alternative sources (reliable future earnings, help from friends and family etc.) would have to demonstrate that the demise in their financial situation is a temporary affair and would soon be over.
Where the financial requirement is not met but the Home Office approves the application, the applicant is granted leave to enter or remain under the 10-year route. This means that they would not be able to apply for indefinite leave to remain after five years of residence but would have to live in the UK for 10 years first. This means making three applications for an extension of stay which leads to a significant cost, compared to the five-year route.
You can switch from the 10-year route to the 5-year route at any time, as soon as you meet the financial requirement. The time towards the five-year route will start from the date the application is approved. The Immigration Health Surcharge that was paid with the previous application is not transferrable and you would have to pay it again even if you are making a new application soon after the grant of your previous leave.
When you know that the financial requirement will be met very soon but is not met on the date of the application, we sometimes ask the Home Office to put the application on hold so that the applicant does not have to pay for the application twice.
For expert advice and assistance in relation to applying for a UK spouse visa, unmarried partner or Parent of a British child visa, please contact our immigration advisers in London at 0208 536 5532 or via the enquiry form below.
Disclaimer:
The information in this blog is for general information purposes only and does not purport to be comprehensive or to provide legal advice. Whilst every effort is made to ensure the information and law is current as of the date of publication it should be stressed that, due to the passage of time, this does not necessarily reflect the present legal position. Adivis and its authors accept no responsibility for loss that may arise from accessing or relying on information contained in this blog. For formal advice on the current law please don’t hesitate to contact Adivis. Legal advice is only provided pursuant to a written agreement, identified as such, and signed by the client and by or on behalf of Adivis.
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