Navigating Your Financial Path: Proving Continued Stability

 

The financial requirements is often the most challenging part of any visa application. For Further Leave to Remain, the goal is to prove that your financial chapter in the UK is stable and ongoing. The Home Office has a strict set of rules, but I will help you simplify this and find the correct way to meet this requirement no matter how complex your situation is.

​

The New Financial Milestone: £29,000

For new partner visa applications and certain FLR applications, the financial threshold is a fixed £29,000. It's important to note that this figure does not increase for dependent children, which is a welcome change for many families.

​

Transitional Arrangements: The £18,600 Threshold

If you are already on the five-year partner route, you may be able to rely on the previous financial requirements for FLR spouse visa extension in UK. These transitional arrangements mean your income threshold remains at £18,600. The changes to these rules came into force on 11th April 2024. It's crucial to understand that under these old rules, the income required still increases for each additional child. However, there is now a cap in place: your required income will not exceed the new £29,000 threshold, even if you are sponsoring a large number of children.

​

Adequate Maintenance: A Different Path

If your partner has a long-term illness or disability and is in receipt of certain benefits, you may be exempt from the standard income thresholds. This is known as the "adequate maintenance" route. Instead of meeting a fixed income amount, you will need to demonstrate that your income is sufficient to support your family without the need for public funds. This is a very specific and fact-dependent route that I can help you navigate.

​

Using Joint Household Income

On an initial entry clearance visa application, only the UK-based partner's income can be considered. However, for a Further Leave to Remain application, you may be able to rely on joint household income, which is a combination of both your and your partner's earnings. This is a key difference that can significantly change your eligibility, and I will help you determine if this option is available to you.

​

A Note on Overseas Income

The use of overseas income to meet the financial requirements is a complex area, and it is not a straightforward conclusion that it can be combined with UK income for a guaranteed successful outcome. If your specific circumstances involve overseas earnings, I strongly recommend you seek expert advice.

​

Finding the Simplest Path to Success

It’s easy to believe that the more documentation you provide, the better your chances are. But over-complicating a case with unnecessary categories or documents can often confuse a caseworker and lead to refusal. My role is to help you find the most direct and simple financial pathway forward. I will assess your situation and advise you on the most straightforward route to meet the requirements, even if it means waiting to submit your application to ensure it is in the strongest possible position.

 

The Income Categories: Building Your Financial Profile

 

Your income can be demonstrated in a number of different ways. The rules on which income can be counted and from which sources are highly specific. My role is to help you navigate these to build a strong case.

​

• Category A: Employed for 6 months or more This is the most common and straightforward route. It relies on a stable income from an employer you've been with for at least six months. The evidence for this includes a clear set of payslips and corresponding bank statements. This is often the path of least resistance, but it still requires meticulous attention to detail to ensure everything is submitted correctly.

​​

• Category B: Employed for less than 6 months or variable income This category is for those who have recently started a new job or whose income fluctuates. It requires you to pass two separate financial tests based on your current salary and your total earnings over the last 12 months. This two-part test can be confusing, but I will help you prove both requirements with the correct documentation, even if you’ve had multiple jobs in the last year.

​

• Category C: Non-Employment Income This applies to income from sources other than a job, such as property rental, dividends from shares, or interest from savings. You must prove that this income has been received consistently over the past 12 months. I will guide you on how to document these sources to show a clear and reliable financial picture.

​

• Category D: Cash Savings Cash savings above a certain threshold can be used on their own or in combination with other income to meet the financial requirement. The funds must have been held in a bank account for at least six consecutive months. The calculation for this category is highly specific, and any misstep can lead to a refusal.

​

• Category E: Pension Income If you or your partner are retired, you can rely on income from a UK or foreign state, occupational, or private pension. This is a straightforward category that only requires you to have been in receipt of the pension for at least 28 days before you apply.

​

• Categories F & G: Self-Employed These categories are for those who are self-employed or a director of a specified limited company in the UK. They rely on your income from the most recent full financial year (Category F) or an average of your income over the last two full financial years (Category G). The documentation for these routes is extensive and requires careful preparation of tax returns and business accounts.

​

A Note on Overseas Income

The use of overseas income to meet the financial requirement is a complex area, and it is not a straightforward conclusion that it can be combined with UK income for a guaranteed successful outcome. If your specific circumstances involve overseas earnings, I strongly recommend you seek expert immigration advice.

​

Finalizing Your Application

​

​English Language Requirements

You will need to demonstrate your knowledge of English by taking a Secure English Language Test (SELT) at an approved centre. The required level of proficiency is not the same for every application. For example, the standard for your initial visa is different from the level needed for further leave to remain and increases again for settlement.

​

Important Note: The rules provide for certain exemptions based on your nationality or a physical/mental condition. If you hold a degree-level academic qualification that was taught in English, this may also be used to meet the criteria without taking a test. I will ensure you know the correct way to meet this requirement for your specific stage of the journey.

​

Tuberculosis (TB) Certificate

A TB certificate is not a requirement for a Further Leave to Remain application.

​

The UK E-visa System (BRP Replacement):

A Modern Update You may have previously held a Biometric Residence Permit (BRP) as your visa. The UK has now transitioned to a digital e-visa UK immigration system, meaning you will no longer receive a physical card when you extend your visa. Your immigration status will be securely recorded online and linked to your passport. I will guide you on how to set up your online account and access your digital status, ensuring a smooth transition.

​

The Costs: Investing in Your Next Chapter

Understanding the full cost of your visa application is a key step in planning your future. The total cost is made up of several components, and while these figures can change, I provide a full breakdown to ensure there are no surprises.

​

• Application Fees: These are the mandatory fees paid to the Home Office to process your FLR in UK.

• Immigration Health Surcharge (IHS): This mandatory fee provides access to the National Health Service (NHS) during your stay. The amount is paid upfront for the entire duration of your visa.

• Priority Services: For those who need a quicker decision, both TLS contact and UKVCAS, the official partners for UKVI, offer priority services for an additional fee.

 

Ready to Begin Your Next Chapter?

​

Your further leave to remain visa is a crucial step on your path to permanent settlement. It’s a moment that deserves confidence, not stress. As a regulated immigration consultant with over two decades of experience, I am personally dedicated to helping you achieve a successful outcome. I understand that every case is different. Whether you need a second set of expert eyes on your prepared application or you want me to handle the entire process for you, I have a service tailored to your needs.

​

• Professional Consultation: Get clear, reliable advice and a full understanding of the Immigration Rules.

• Application Checking Service: Gain peace of mind by having your prepared application professionally reviewed before you submit it.

• Full Representation Service: For end-to-end support, I will handle every step of the process on your behalf.

 

How can an immigration adviser help with 1st FLR extension? If your journey is a story worth protecting. Let me help you ensure this next chapter is a confident and successful one. Contact me today to discuss your next steps.