Services A-Z     Pricing

The Cost of Loving Crisis – What you need to know about the new Family visa financial requirements

28 March 2024

On 14 March 2024, the UK government released a statement of changes in the Immigration Rules as part of the Prime Minister and Home Secretary’s plan to slash migration levels. The Home Office expects that at least 300,000 people who came to the UK last year would now not be able to enter under these changes.


We have set out below a quick summary of the newly published Appendix FM (Family Member) visa rules.  These are the rules for family visa applications.

Who will be affected by the new rules?


For family members of British citizens and those settled in the UK (with indefinite leave to remain or status under the EU Settlement Scheme), the key date to be aware of is 11 April 2024. This is when the new rules for Appendix FM applicants, i.e. spouses, fiancées, unmarried partners, and children, will come into force.

If you are planning to enter the UK under Appendix FM, or if you are in the UK on a different visa and want to switch to this route, as long as you submit your first application pursuant to Appendix FM before 11 April 2024, you will not be affected by these rule changes.

If you are already in the UK on the Appendix FM route, and your first application under Appendix FM was submitted before 11 April 2024, all subsequent applications to extend your stay in the UK can be submitted under the current rules as long as you apply on the basis of a genuine and subsisting relationship with the same partner in your previous application(s).

If you are in the UK and apply under this route on or after 11 April 2024 on the basis of a new relationship, you will have to meet the new financial requirements set out below.

Changes to the financial requirement


This statement of changes has confirmed an increase in the financial requirement for Appendix FM applications. If you will satisfy these requirements by way of annual income, the minimum gross annual salary that British/settled sponsors will need to show has increased from £18,600 to £29,000.

Alternatively, the Home Office will also continue to allow applicants to rely on savings to satisfy the financial requirement, and has kept the formula for calculating the savings required the same. Therefore, if you are relying solely on savings to meet the financial requirement, the minimum savings you need from 11 April 2024 will increase from £62,500 to £88,500 for entry and extension applications, and from £34,600 to £45,000 for settlement applications.

The Home Office has also announced the removal of a separate child element to the Minimal Income Requirement. At present applicants must meet a higher minimum financial requirement if they have additional children applying for a visa alongside their partner. In the one positive change to the rules, this has been removed for those applying from 11 April 2024. Additionally, for those who applied under Appendix FM prior to the 11 April 2024 changes, where the financial requirement would exceed £29,000 due to the number of children in the family, the maximum limit of the financial requirement has now been capped at £29,000.

The Home Office plans to eventually increase the financial requirement to a minimum gross annual salary of £38,700 by early 2025. The changes outlined above are part of the transitional staggered changes leading up to this. They have announced that the financial requirement will increase again this year to a minimum gross annual salary of £34,500, and whilst it has not been confirmed we would expect to see this change in around September or October 2024.  Corresponding increases will also occur for the level of savings required to satisfy the financial requirement.

We anticipate that there will be further transitional arrangements to allow those who apply under the £29,000 route to continue their journey in the UK on this route when the new levels of financial requirements are enforced, similar to the arrangements made for the current £18,600 level although this is not yet confirmed.

We recognise that there are many immigration changes going on at the moment, with a reduction to migration being cited as the UK government’s main aim at this time.  Our 2024 immigration changes timeline should assist you in keeping track of the changes.  There are also some links to further content that should help you to understand what is happening and when.

further information

If you have any queries in relation to the above immigration issues, please contact a member of our immigration team.

 

about the authors

Katie is a Partner in the immigration team and has over 10 years' experience across a wide spectrum of UK immigration matters, with particular expertise in applications made under Tier 1 of the Points Based System and complex personal immigration matters.  

Ellis joined Kingsley Napley in July 2022 as a paralegal in the Private Immigration team. He assists on a wide range of personal UK immigration matters including Global Talent, Skilled Worker, Family, Indefinite Leave to Remain, Citizenship, and Asylum and International Protection applications.

 

 

 

 

 

Start date confirmed for Immigration Skills Charge increase

The Immigration Skills Charge (ISC) will increase by 32% from £1,000 per year of the visa to £1,320 per year of the visa. For small sponsors the ISC will increase from £364 to £480 per year.
  

Government announces more white paper rule changes

The immigration policy white paper was released on 12 May 2025 and there were subsequent Skilled Worker rule changes on 22 July. On 14 October the Home Office released a statement of changes to the Immigration Rules setting out further upcoming rule amendments flowing from the white paper. There was also a Home Office press release.

Updates on British citizens travelling to the EU, and the Temporary Shortage List for Skilled Worker applications

We focus here on two updates - one on travel to the EU and one on the Temporary Shortage List for Skilled Worker applications based on lower skilled roles.

People, Not Past Mistakes: A Fairer Approach to Criminality in Immigration

I’ll acknowledge, it is a little edgy - in the current climate - to argue for a more nuanced approach to historic criminality in the immigration system. Sounds like the sort of thing that would feed a tabloid journalist with everything they think they need to know about an immigration lawyer.

 

Indefinite leave to remain (with your family): how the Immigration White Paper proposals will stunt opportunities for the children of migrants

The issue of indefinite leave to remain (ILR) has been a hot topic in the UK press. The Reform Leader Nigel Farage has suggested that his party would abolish the status and force people with ILR to return to some form of lesser immigration status which would block access to a range of rights which those who obtained the status acquire - access to welfare benefits, free NHS care and home student University fees for young people.

Permission to Visit - Goldilocks and the Three Bank Statements

From UKVI’s published statistics on immigration applications, in the most recent reported quarter (March to June 2025) UKVI received 938,527 visit visa applications – the highest ever reported in at least the last 20 years. In that quarter, UKVI also refused 156,659 visit visa applications (and issued 790,708 visas), unsurprisingly, also the highest number reported. The refusal rate for this quarter (which will not cover all applications received) was just shy of 20%.

Suspension of the UK’s Refugee Family Reunion scheme: an afront to the principle of family unity

The Secretary of State for the Home Department (“SSHD”) Yvette Cooper has trained her crosshairs squarely on foreign national families in her recent announcement, declaring the suspension and reform of the refugee family reunion scheme and a review of “the application of Article 8 in the immigration and asylum system.” The suspension came with a statement of changes to the Immigration Rules today at 3pm.

What to do if you receive a civil penalty for illegal working

UKVI can issue a whopping fine of up to £60,000 to a company that is alleged to have employed someone illegally in the UK. The size of the fine is partly determined by whether the breach is a first for the business or not.

Why more Americans are seeking British citizenship in 2025

As political and economic uncertainties continue to shape the global landscape, a growing number of Americans are setting their sights on the United Kingdom, not just for travel or business, but for a new life altogether.

The UK Government’s plan for AI and the UK immigration White Paper

At the start of the year, the Prime Minister outlined the UK Government's vision for making the UK a global leader in AI innovation in its response to the AI Opportunities Action Plan. But does the UK really have a competitive offering for AI talent?

EU nationals – top tips for applying for your Student visa this summer

For EU nationals looking to start university in the UK this year, we’ve set out some key issues to consider before applying for your Student visa.

Tech Nation Wins Tender to Continue as Endorsing Body for Global Talent Visa

Tech Nation has confirmed on its website that it has successfully been awarded the status of endorsing body for the UK’s Global Talent visa in digital technology for the next three years. This provides much-welcomed certainty for the Global Talent route which, in my view, is the jewel in the UK’s visa crown.

A back-up for those with US immigration difficulties – common issues when transferring staff to the UK

In a flurry of executive orders, the uncertainty created by the US administration’s approach to immigration has left many US businesses seeking options to retain high-valued migrant staff, especially after failed lotteries and quota issues. Invariably the UK figures prominently in the thinking of many businesses as a potential destination for staff who are at a dead-end from a US immigration perspective – either as a permanent or temporary relocation.

Linking skills with visas: why the UK must not repeat Australia’s mistakes

In our last blog on this topic, we looked at the Government’s announcement that it would  publish a White Paper which will set out its plans to link the ability to sponsor migrant workers to training “people here in our country.” The White Paper is now imminent.

New extension scheme but there’s still no route to settlement for Ukrainian nationals in the UK

In response to the invasion of Ukraine by Russian armed forces in February 2022, the UK government introduced various immigration routes for Ukrainian nationals seeking safety in the UK. However, recent updates to the Immigration Rules regarding the Long Residence route have made clear that time spent in the UK under the Ukraine Schemes no longer counts toward the 10-year qualifying period required for settlement.

Going nuclear - new immigration ideas needed for new energy

As the UK embarks on the construction of new energy infrastructure, most notably new nuclear power stations, industry insiders will be well aware of the stark challenges that face these projects. 

Brexit: Five years on – A nation adrift

On Friday 31st January 2020 the UK officially left Europe via the Withdrawal Agreement. Five years on and it is difficult to look at the challenges the UK faces and not question whether it has been very problematic for the UK’s economy. Please indulge me to reflect on the last five years.

Timetable for full rollout of UK Electronic Travel Authorisation Scheme

The announcement on the UK’s Electronic Travel Authorisation (ETA) scheme finally shed light on when it will be expanded to the remaining 83 other countries.

UK Immigration: a year in review and 2025 forecast unveiled

We are familiar with change in immigration but even for us, 2024 has been a monumental year.

Linking skills with visas? Just make sure the Immigration Skills Charge does what it says on the tin

In his speech last week, Sir Keir Starmer, the UK Prime Minister, announced plans to publish a White Paper which will link the ability to sponsor migrant workers to training “people here in our country”.

Skip to content Home About Us Insights Services Contact Accessibility