It is a lot easier once you are in the UK and if both of you are earning. Much better for the blood pressure.
You and your partner must have a combined income of at least £18,600 a year if:
you’re applying as a partner
you want to settle in the UK (get ‘indefinite leave to remain’) within 5 years
You must prove you have extra money if you have children who:
are not British or Irish citizens
do not have pre-settled status
are not permanently settled in the UK
You might not need to prove you have extra money if your children are citizens of the EU, Iceland, Liechtenstein, Norway or Switzerland and they do not have pre-settled status or are not permanently settled in the UK. Check the guidance in appendix FM 1.7: financial requirement for more information.
If you need to prove extra money for your children, you’ll need to earn an extra:
£3,800 for your first child
£2,400 for each child you have after your first child
This is called the ‘minimum income requirement’.
You may be able to use your savings instead of income.
How you prove you have the money depends on how you got the income.
If you’ve experienced a loss of income because of coronavirus (COVID-19), for example if you’ve been furloughed or you’re self employed, you might still be able to apply. Read the guidance for UK visa applicants and temporary UK residents.
What counts as income
You and your partner can use:
income from employment before tax and National Insurance (check your P60 or payslips) – you can only use your own income if you earn it in the UK
income you earn from self-employment or as a director of a limited company in the UK – check your Self Assessment tax return
cash savings above £16,000
money from a pension
non-work income, for example from property rentals or dividends
If you’re using income from self-employment or employment, you’ll need to prove you or your partner received that income for 6 months or more.
You’ve worked with the same employer earning £18,600 or more for 6 months or longer.
What proof you need to give
You’ll need to provide proof of your income with your application. If you or your partner are employed, you could include:
bank statements showing you or your partner’s income
6 months of payslips
a letter from an employer, dated and on headed paper
The employer’s letter should confirm:
you or your partner are employed there
the job title or position you or your partner hold
how long you or your partner have worked there
the type of contract (for example, permanent, fixed term)
what you or your partner earn before tax and National Insurance
how long you or your partner have been paid your current salary
the payslips are genuine
You’ll be told exactly what documents to provide when you apply online.
Check the guidance in appendix FM 1.7: financial requirement if:
you or your partner’s income is more complicated
you or your partner have taken maternity or paternity leave in the last 6 months
you want to combine different income sources
The detailed guidance also explains the evidence you need to provide for each of the types of income you’re relying on.
If you cannot meet the minimum income requirement
You need to show you and your partner meet the minimum income requirement if you want to settle in 5 years as a partner.
If you do not meet the requirement, you may be able to settle in 10 years.
When you do not need to meet the income requirement
You may be able to settle in 5 years without meeting the minimum income requirement if either:
you’re applying as a parent
you get certain benefits, for example Disability Living Allowance or Carer’s Allowance
You need to show you and your family have enough money to adequately support and accommodate yourselves without relying on public funds. The caseworker considers your income and housing costs.
Check the guidance in appendix FM 1.7: financial requirement for more information.