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UK Spouse Visa Financial Requirement 2023

The minimum income requirement for the UK Spouse Visa is £18,600, read more about how the financial requirement can be met.

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The UK Spouse Visa Financial Requirement

To be eligible to apply for the UK Spouse Visa, you must satisfy the financial requirement (also known as the ‘minimum income requirement’). 

Unless exempt, you will need an annual income of at least £18,600 - this figure is higher if you have dependent children.  If you are applying with one dependent child then you will need an additional £3,800, and a further £2,400 is needed for each further child. Therefore, if you are applying with dependents, then the minimum income requirement for the UK Spouse Visa will be:

  • Applicant with no dependent children: £18,600

  • Applicant with one dependent child: £22,400

  • Applicant with two dependent children: £24,800

  • Applicant with three dependent children: £27,200

How do I meet the financial requirements for UK Spouse Visa?

There are a number of ways in which you can meet the financial requirements for a UK Spouse Visa:

  • Income from employment. If you wish to use your income as well as your partner’s then you must have lawfully earned it in the UK (i.e. had the right to work in the UK).

  • Income from self-employment or income from being a director or employee of a limited company. If you wish to use your income as well as your partner’s then you must have lawfully earned it in the UK (i.e. had the right to work in the UK).

  • Cash savings over £16,000 held by you or your partner (or a child dependent relative over 18) for at least 6 months prior to the application. If you wish to solely rely on cash savings to meet the minimum income requirement for the UK Spouse Visa, then you must have at least £62,500.

  • Money from a pension (state, occupational or private) in either your name or your partner’s.

  • Non-employment income (i.e. property rentals, dividends, interest from savings).

 

What sources of income CANNOT be used to meet the financial requirement?

The following sources of income cannot be used to contribute to the UK Spouse Visa financial requirement:

  • Subsidies or financial support from third parties.

  • Income from other people who live in the household (unless it comes from a dependent child of the applicant who is over 18 years old and is still counted towards the applicant's higher income threshold until they become eligible for settlement.

  • Loans and credit facilities.

  • Income-related benefits.

  • Certain contributory benefits.

  • Child Benefit.

  • Working Tax Credit.

  • Universal Credit.

  • Unemployability Allowance, Allowance for a Lowered Standard of Occupation and Invalidity Allowance under the War Pensions Scheme.

 

What documents can be used to prove the financial requirement for a UK Spouse Visa?

When applying for a UK Spouse Visa, you will be required to provide evidence that you meet the minimum income requirement. Head over to this link to find out how you can prove that you meet the requirement. Please be aware that the documents and pieces of evidence which you will be required to provide are dependent on how you intend to meet the minimum income requirement.

Just to give you an idea as to what can be provided to prove that you meet the Spouse Visa financial requirement, the following can be used (this is not an exhaustive list):

  • Bank statements showing proof of income.

  • 6 months worth of payslips.

  • A letter from your employer (this must be dated and on headed paper). 

    • This letter should confirm that you or your partner is employed there, what your position is, and how long you have worked there. The letter should also say what kind of contract you or your partner is on, your salary before tax and National Insurance, how long you have received this salary for and that your payslips are genuine.

 

UK spouse visa financial requirement exemptions 

The Spouse Visa financial requirement exemptions are based on the circumstance of your partner. To be exempt from the UK spouse visa financial requirement, your partner will need to receive any one of the following benefits or allowances in the UK. Please note that this is not a full exemption from the UK spouse visa financial requirement, rather in these circumstances, you will need to still show evidence of having ‘adequate maintenance’:

  • Carer’s Allowance

  • Disability Living Allowance

  • Severe Disablement Allowance

  • Industrial Injuries Disablement Benefit

  • Attendance Independence Payment

  • Personal Independence Payment

  • Armed Forces Independence Payment or Guaranteed Income Payment under the Armed Forces Compensation Scheme

  • Constant Attendance Allowance, Mobility Supplement or War Disablement Pension under the War Pensions Scheme

  • Policy Injury Pension

 

Can I apply for a Spouse Visa if my partner is self-employed?

Yes, you can apply for a Spouse Visa if your partner is self-employed. 

As per the Immigration Rules, a gross annual income of at least £18,600 will apply - with this figure rising by £3,800 for the first child and an additional £2,400 for each additional child.

There are two ways in which the financial requirements can be satisfied through self-employment:

  • Category F: Income from the last full financial year.

  • Category G: Average income from the last 2 full financial years.

 

What happens if I don’t meet the financial requirements for a UK Spouse Visa? 

If you don’t meet the financial requirements for a Spouse Visa, then you may still be eligible to make an application provided that there are exceptional circumstances. If you do not meet the financial requirements for a Spouse Visa but wish to make an application, please speak to an expert immigration lawyer to see whether you are still eligible to apply.

 

Is the UK Spouse Visa £18,600 income requirement, before or after tax?

The minimum salary requirement of £18,600 is before tax.

 

How does this differ from the previous spouse visa financial requirements?

Under the previous system of Immigration Rules, an applicant for a UK spouse visa needed to satisfy a ‘maintenance’ requirement which showed that they would be adequately supported in the UK without having any ‘recourse to public funds’. When deciding whether an applicant satisfied this criteria, the Home Office would assess whether the income available to them in the household, after taking into account housing costs, would exceed the amount that they would receive if they were on a UK benefit known as income support. This was a relatively low threshold. In addition, as well as being able to rely upon the income received by the UK spouse, it was possible to rely upon support that was promised to the couple by third parties (such as family members who promised to give the applicant a certain sum every month) and prospective job offers in the UK that the applicant had received.

Want to know more about applying for a UK Spouse visa?

Perhaps you have a question regarding the financial requirement for a UK Spouse visa, or perhaps you have a question about UK Spouse visas more generally. Whatever the need, why not get in touch with us today and claim your free consultation with an expert immigration lawyer?

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The case of R on the application of MM (Lebanon) and others v SSHD [2017] UKSC 10

The Supreme Court in the case of R on the application of MM (Lebanon) and others v SSHD [2017] UKSC 10 considered whether the introduction of a financial requirement for UK spouse visas is lawful. In this case, the Supreme Court was asked to reach a decision on three principle issues:

  1. Whether the principle of having a minimum income requirement was compatible with human rights law;

  2. Whether the treatment in the Rules and Guidance of children was lawful; and

  3. Whether the income requirement was lawful in preventing applicants from relying on third party support and job offers in the UK to meet the requirement.

 

Principle of a spouse visa financial requirement

In this part of the case, the Court found in favour of the Government. They found that the spouse visa having a financial requirement was, in principle, lawful, as part of the Government strategy of reducing net migration.

This finding does not mean that there will not be individual cases where a refusal of a spouse visa application on financial requirement grounds will be a breach of that individual’s human rights, but it does mean that the principle of having such a Rule is not itself in breach of human rights law.

 

Treatment of Children

There is a requirement in UK law, including in the context of immigration, to treat the best interests of children being affected by decisions, as a ‘primary consideration’. The Government argued that it would be for Entry Clearance Officers to make decisions on individual cases to ensure that children’s best interests were protected.

However, the Court considered the Guidance that entry clearance officers needed to take into account when deciding cases and found that they set the threshold at which a child’s rights would be breached too high. They had no hesitation in finding that the Guidance was defective, and that new Guidance would need to be issued which was compatible with human rights caselaw, to ensure that the best interests of children were given primary consideration.

The Court further found that the Immigration Rules should also be amended to reflect the Government’s duty towards children. The Court did not describe how the Rules should be amended, but as they have been found to be unlawful, it will be necessary for the Government to make changes to the Rules to fully reflect that Entry Clearance Officers are properly taking into account the impact of children when deciding spouse visa applications.

In practice, this means that if there are children who are being adversely impacted by a decision to refuse a spouse entry clearance to the UK, there is a strong legal argument that the Government’s reliance on the Immigration Rules in their current form is unlawful.

 

Treatment of Third Party Support and Job Offers

In this part of the case, the Government argued that for reasons of ‘practicality’ it was not appropriate to include offers of support from third parties or prospective job offers. They argued it was difficult to assess how credible such support or job offers were and there were ‘substantial risks and uncertainties’ attached to the calculation.

The Court however rejected the Government’s arguments. Whilst acknowledging that it may be difficult for an Applicant to prove that there is suitable support available from a third party or that a job offer would materialise in actual work upon the Applicant’s arrival, they found that it was overly prescriptive to prevent the Applicant from being able to rely upon other sources of funding even if they had good evidence available to them.

The Court therefore found that the current Guidance needed to be amended so that Applicants could rely upon support from a third party, or a job offer in the UK.

Applicants who may otherwise struggle to meet the financial requirement, can therefore now argue that they would meet the financial requirement with the support of a third party (such as a family member) or through the work income the Applicant would obtain upon arrival in the UK. This is a significant development for many families. If relying on other sources of funding however, spouse visa Applicants will need to ensure that they provide comprehensive evidence of the potential source of funding and be prepared that the Home Office may not in the first instance accept that source of funding as credible.

 

Conclusion

Whilst the spouse visa income requirement has remained in-tact, the Supreme Court’s decision will offer hope to many families who have been prevented from living together in the UK previously.

There are certain aspects of the spouse visa financial requirement that the Supreme Court did not consider, such as the difficulties that the Rules impose for those who are self-employed in satisfying the spouse visa financial requirement. These are matters that may well continue to face scrutiny by future courts and which may force the Government to make further amendments to the Rules to prevent families from being forced to live apart for very substantial periods of time.

 

How can Paragon Law help? 

Our immigration lawyers have assisted many individuals to successfully apply for a spouse visa and navigate the financial requirement. If you require assistance with a spouse visa, or with another matter relating to UK immigration law then please get in touch with us to speak to an expert immigration lawyer.

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