Spouse & Family ILR
The stable 5-year route for partners of British citizens.
Key challenges: Financial Requirement and Cohabitation Proof.
💰 Financial Requirement
The rules changed significantly in April 2024. Which version applies to you?
Target: £18,600 / year
You benefit from transitional protections if you applied before April 2024. Combined income of £18,600 is sufficient.
🐷 Cash Savings Route
Can't meet the income threshold? You can use cash savings to top up or fully meet the requirement.
The Formula
(Savings - £16,000) ÷ 2.5 = Extrapolated Income
Example: To cover £10,000 shortfall → £16,000 + (£10,000 × 2.5) = £41,000 in savings.
Full savings (no job): £16,000 + (£29,000 × 2.5) = £88,500 (New Rules)
🏠 Cohabitation Evidence
You must prove you have lived together for the last 2 years with 6 joint items (or 12 individual) spread across the period.
Acceptable Sources (use at least 3 different types):
Final ILR Checklist – Spouse Route
Common Questions
Does my child automatically get ILR?
No. Children must apply separately as dependants. Often a separate application is required even if included on your visa.
Can I combine my income with my partner's?
Yes — you can combine both incomes to meet the financial threshold (Category A or B rules apply).
What if I receive benefits (PIP / Carer's Allowance)?
You are exempt from the £29,000 threshold and only need to show "Adequate Maintenance" (usually ~£120/week after housing costs).
