Gross income of £18600 per year. If less than that, then: Assume your gross annual income to be X. You'll need: X + savings of (((18600 - X) * 2.5) + 16000) to be held for at least 6 months. Based on the formula above: If X is 3000, then you'll also need savings of £55000 held for at least 6 months...