Appendix FM Financial Requirement

Meeting Financial Requirements

You must satisfy the specific requirements based on your relationship with the UK family member. You also need to show financial support for yourself. Additionally, you must show financial support for any dependent children. Alternatively, you must prove adequate support and accommodation by your sponsor. You cannot rely on public funds.

Minimum Income Threshold for Partners

Where applying as a partner, you will need to meet a minimum income threshold from specified sources, unless exempt. For a partner applying under Appendix FM, without dependent children, the threshold is a gross annual income of at least £18,600 for applications submitted before 11 April 2024. From 11 April 2024, the financial threshold for the UK spouse visa is increasing from £18,600 to £29,000, and will rise again to £38,700 by early 2025.

Sources for Meeting Financial Requirements

The financial requirement can be satisfied using five primary sources:

  1. Income from Employment: Salaried or non-salaried employment of the partner or applicant (if in the UK with permission to work).
  2. Non-Employment Income: Rental earnings or dividends from shares.
  3. Cash Savings: Savings exceeding £16,000, held by the partner or applicant for at least six months under their control.
  4. Pensions: Income from UK or foreign state, occupational, or private pensions.
  5. Self-Employment or Company Income: Income from self-employment or as a director or employee of a specified UK limited company by the partner or applicant (if permitted to work in the UK).

Detailed guidelines for meeting these requirements can be found in the official guidance documents.

Additional Requirements for Dependent Children

The minimum salary threshold increases with each dependent child. These children must not be British or Irish citizens. They must not be permanently settled in the UK. The financial requirement includes:

  • An additional £3,800 for the first child.
  • An additional £2,400 for each subsequent child.

Exceptional Circumstances

However, Appendix FM makes provision for “exceptional circumstances”, such that if a strict application of the rules will result in unjustifiably harsh consequences, and thereby render refusal of entry clearance or leave to remain a breach of Article 8, UKVI can take into account other sources of funds. Take professional advice if you believe you may fall under this provision.

*This article is not legal advice but provides a general overview. The specific details of your case will determine the best course of action.

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