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All you need to know about Financial Requirement in visa application based on family life

Appendix FM-SE is used when assessing the financial requirement set in Appendix FM which is a route used for individuals, who are seeking entry clearance or remaining in the UK based on their family life with a person who is a British Citizen or settled in the UK.

Financial Requirement in visa application based on family life - Apply for UK Visa

The sponsor and or the applicant (if the applicant is in the UK) must demonstrate that they meet the financial requirement, which can be met the following ways:


Using Salaried employment to prove the satisfaction of financial requirement in visa application


The sponsor will need to demonstrate that they have been employed for a continuous period of 6 months in the UK with the same employer preferably and be earning an annual gross income of £18,600 in which payslips will need to be provided.


Where the applicant is being accompanied by a child and multiple children who aren’t British the following financial requirements must be satisfied:

  • 1 child in addition to the applicant - £22,400;

  • 2 children in addition to the applicant - £24,800;

  • 3 children in addition to the applicant – £27,200.

The salaried income can only be relied upon alone or with the shortfall of savings.


Using Cash savings to prove the satisfaction of financial requirement in visa application


The sponsor can also meet the requirement based on their cash savings which need to show they hold a minimum of £16,000, the saving should be held in the sponsors bank account for at least 6 months and be readily available.


Cash savings are calculated using the following formula:


(Amount of cash savings - £16,000) ÷ (2.5 years) = must at least equal to £18,600.


In order to rely solely on cash savings, the sponsor must show they hold a minimum of £62,500 in cash savings as demonstrated in the following calculation: £18,600 x 2.5 + £16,000 = £62,500.


Any shortfall in cash savings can then be compensated for in terms of salaried income to reach the £18,600 financial requirement.


Where the applicant is being accompanied by a child and multiple children who aren’t British the following financial requirements must be satisfied:

  • 1 child- £3,800;

  • For each further child - £2,400 each.

Using Pension to prove the satisfaction of financial requirement in visa application


Both a state pension (UK/ foreign) and private pension of the sponsor can count towards the financial requirement, the pension funds must be held in the sponsors bank account 28 days prior to the filing of the application.


Using Non-salaried income to prove the satisfaction of financial requirement in visa application


These sources of income can also contribute towards the financial requirement:

  • Rental income from property asset;

  • Interest from savings;

  • Ongoing insurance payments;

  • Ongoing payments from legal settlement;

  • UK maternity allowance, bereavement allowance, bereavement payment and widowed parents allowance;

  • Income from investments, stocks and shares, bonds or trust funds.

Income from the above list must been held in the sponsors bank account 12 months prior to filing an application.


Using Self-employment and directorships to prove the satisfaction of financial requirement in visa application


Both self-employed income and that of dividends of the sponsor can be used to meet the financial requirement, provided the relevant documentation is submitted in support of the application.


Self-employment: The sponsors financial year in the UK runs from 06th April to 05th April the following year, and is permitted to provide the following documents to demonstrate self-employed income:

  • Last full financial year accounts;

  • The average from the last two financial years.

Self-employed income will be the gross taxable profit generated from the business in the relevant financial year.


Directors: A sponsor who is listed as a director and shareholder of a limited company can use either their dividends payments or salaried incomed to meet the requirement, they will need to provide the following documents:

  • Company Tax Return CT600;

  • Dividend’s payments.

At Apply for UK Visa we understand that each case is unique and complex, however our expert immigration lawyers can provide their expertise and advice for further information on the financial requirement please contact us directly.

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