My fiance and I have decided to get married in his country in a few weeks and the apply for a spouse visa (I'm British). I've been on here several times asking various questions and getting together what we need for the application - thanks for all the help so far! The problem is I'm really worried about the finance side of things. I'll try to break it down so it's easier to read. The 2 main problems are:
1. I have a good salary (take home £2400) but lots of outgoings and an ongoing authorised overdraft of £1600 which means the account has until this month been constantly in debit. I've cleared the overdraft this month using savings and still have £2500 left in savings. Also, my essential outgoings (mortgage, council tax, utility bills and loan/credit card payments) come to around £1500 which still leaves nearly £1000 per month for living expenses, although until this month it was all spent by the end of the month
. I have 3 credit cards and one loan which I make payments for every month. Will this financial situation make our application more likely to be refused? Should I only submit 3 months statements as the last 2 will look a bit better? I will incude a summary of my budget, payslips, P60s etc.
2. My fiance had £3000 in a UK savings account but he took them out this month as he had to return to his country. We have his last statements but the money is now in cash. I've told him he needs to put it in the bank there (despite the awful exchange rate) but will that be OK?
I would be so grateful if anyone can give me their opinion.
