What Are the New UK Fiancé Visa Requirements in 2024?

The UK fiancé visa is designed for people who want to come to the UK to marry their British or settled partner. However, due to recent changes, understanding and meeting the criteria has become more difficult than ever.

A critical component of what has changed for this visa application is meeting the new financial requirement, which ensures couples have sufficient resources to support themselves without needing public funds. This article aims to thoroughly explain the new financial criteria for the UK fiancé visa. We will discuss the minimum income threshold, acceptable sources of income, and how applicants can satisfy these updated conditions. 

Understanding the UK Fiancé Visa

The UK fiancé visa is a temporary immigration status granted to individuals engaged to British citizens or persons with settled status in the UK, allowing them to enter the country for the purpose of marriage.

It is valid for 6 months, during which the couple must get married or form a civil partnership. This visa does not permit employment but allows for a transition to a spouse visa post-marriage, which offers the right to work and live in the UK permanently.

Also Read: Can You Work on a Fiance Visa in the UK?

Fiancé Visa Requirements

To qualify for a fiancé visa, applicants must prove the authenticity of their relationship and satisfy various eligibility criteria. These include:

  • Relationship Evidence: Applicants must prove a genuine and subsisting relationship with their UK-based partner, including plans to marry or become civil partners within 6 months of arrival.
  • Financial Requirement: Demonstrate the ability to meet the minimum income requirement or have adequate savings to support themselves without access to public funds (details explained below).
  • Accommodation: Evidence of suitable living arrangements in the UK is required, ensuring the couple has adequate space to live without relying on social housing.
  • English Language Requirement: Applicants from non-English-speaking countries must pass an approved English language test, showing they can read, write, speak, and understand English to a basic level.
  • Tuberculosis Test: Individuals from some specific nations must submit an official document indicating they are tuberculosis-free.

Also Read: How Much Does A UK Fiance Visa Cost in 2024?

The New UK Fiancé Visa Financial Requirements 2024

The financial requirements for the UK family visas, including the UK spouse, fiancé visa, and other partner visas, are set to undergo significant changes in Spring 2024, marking a pivotal shift in the approach to ensuring financial stability for couples planning to marry and settle in the UK.

These updates are part of broader amendments by the Home Office, reflecting the government’s commitment to a robust immigration system that supports the economic well-being of the country and its residents.

As of April 11th, 2024, the minimum income threshold required to sponsor a fiancé will is £29,000 annually. This will then be raised again later in 2024 to £34,500 after which will be increased to £38,700 in early 2025. 

Note that applications submitted before April 11th 2024, will be assessed under the previous minimum income requirement of £18,600.

Ways To Satisfy the Financial Requirement for the UK Fiance Visa

Satisfying the financial criteria for a UK fiance is a crucial phase in the visa application procedure. The Home Office requires applicants to prove their financial competence to maintain themselves without depending on government funds. There are various methods to accomplish these criteria, each with its own set of rules and documentation needs.

Through Savings

Cash savings is one of the most straightforward methods to meet the financial requirement. Currently, if your income falls below the £29,000 threshold, you can fulfil the financial requirement by showing cash savings of £88,500.

When the threshold increases to £34,500, the required savings amount will become £102,500. Later in 2024, when the threshold rises to £34,500, the savings requirement will be £102,250. By 2025, when the minimum income requirement will increase to £38,700, applicants must show savings of £112,750.

 According to the UK immigration rules, savings must be:

  • Held in cash in personal or savings accounts, either solely or jointly owned.
  • Kept in a financial institution that is properly regulated.
  • Maintained for a minimum of a half-year before the application date.
  • Derived from legal sources, the origin of these savings is clearly declared.

Cash savings can be combined with other forms of income, except earnings from self-employment or directorship in a limited company, to meet financial obligations.

Pension Income

Pension income represents another viable route to satisfy the financial requirement. This method is particularly relevant for retirees or those nearing retirement.

The UK Home Office allows income from both the UK and overseas pensions to count towards the financial requirement, providing a valuable option for older applicants or those with substantial pension entitlements.

Non-Employment Income

Non-employment income includes earnings from rental properties, stock dividends, and other investment income. This income must be verifiable with proper documentation, such as rental agreements or dividend statements, to be considered towards meeting the financial threshold. These sources of income must be consistent and reliable.

Combining Different Sources of Income

Applicants and their sponsors can combine various sources of income to fulfil the financial requirements. This can include a mix of employment income, non-employment income, pension payments, and cash savings.

However, there are restrictions on combining income from certain sources, such as self-employment and directorship earnings, with other income types. Understanding these limitations and preparing the necessary documentation to support the combined income claim is crucial.

Combined Income of Partners

The collective income of the UK sponsor and the applicant can contribute to meeting the financial criteria. This enables a joint effort to reach the required financial level.

All income included in this calculation must be verifiable and expected to continue once the applicant moves to the UK. It is crucial to remember that income from employment outside the UK that would terminate upon relocation is not eligible.

Also Read: Fiance Visa UK Accommodation Requirements

New UK Fiance Visa Financial Requirements

Documents To Prove Financial Requirement for the UK Fiancé Visa

Careful preparation and submission of various documents are needed to prove the financial requirement of a UK fiance visa. This documentation shows the applicant’s and their sponsor’s ability to support themselves without the need for public funds. These include:

Employment Income

For those relying on income from employment to meet the financial requirements, the following documents are typically required:

  • Payslips: Six months of payslips if paid monthly or the equivalent if paid weekly, bi-weekly, or bi-monthly.
  • Bank Statements: Six months of bank statements corresponding to the dates of the payslips, showing the salary being deposited.
  • Employment Letter: A current letter from the employer detailing the position, salary, length of employment, type of contract (permanent or temporary), and confirmation of ongoing employment.

Self-Employment Income

Applicants using income from self-employment may provide:

  • Tax Returns: The most recent full tax year returns verified by the relevant tax authority (e.g., HMRC in the UK).
  • Business Bank Statements: Six months of business bank statements displaying both income and expenses.
  • Financial Statements: Certified financial statements for the last full financial year.

Non-Employment Income

For non-employment income, such as rental or investment income, the following evidence is typically required:

  • Rental Agreement: A current rental agreement for properties owned.
  • Bank Statements: Bank statements displaying deposits from rental revenue.
  • Investment Statements: Official statements or documents proving dividends or interest earned.

Cash Savings

If using cash savings to meet the financial requirement, applicants can provide:

  • Bank Statements: Statements from individual or joint banks at least six months prior to the application date that demonstrate the requisite savings balance has been maintained.
  • Letter from Bank: A letter from the bank confirming the savings and that the funds have been available for the required period.

Pension Income

To use pension income, the following documents are usually needed:

  • Pension Statements: Official pension statements for the last full financial year detailing the pension amount received.
  • Bank Statements: Bank statements showing the pension being deposited into a bank account.

Let Us Take Care of Your UK Fiance Visa Application

The UK fiancé visa application procedure and requirements can be complex and daunting to understand and fulfil. Let our experienced Spouse Visa Lawyers assist you at all phases, making sure your application is compliant and ready to be approved.  

Don’t leave your future to chance. Contact us today to secure professional assistance and take the first step towards starting your new life together in the UK.

You Ask, We Answer

FAQs

Certainly, you can merge your earnings with your partner’s income to fulfil the minimum income condition for a UK Fiancé Visa, as long as you satisfy all other visa criteria.

If you do not meet the minimum income requirement, you may explore alternative options, such as having savings that meet the threshold or seeking advice from an immigration specialist on how to satisfy the financial requirements.

No, UK fiancé visa holders cannot work in the UK. However, you will gain the right to work in the UK after marrying your partner and switching to a spouse visa.

Changing from a fiancé visa to a spouse visa might take approximately  8 weeks. For this, you need to submit a new application and provide valid proof of marriage or civil partnership.

Fiancé visas are generally not extendable. You are expected to marry your partner and apply to switch to a spouse visa within the 6-month period. Exceptions may apply in extenuating circumstances, and you should consult the Home Office or a legal advisor for guidance.

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Disclaimer

The information provided in our articles is intended solely for guidance and should not be considered legal advice. We do not assume responsibility for any liabilities arising from the information in written articles and recommend that all readers seek professional advice before taking any action. For those wishing to discuss their case with a professional, please feel free to contact us directly.

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