FLR M Visa 2026 Guidance: Spouse Visa Extensions/Renewals & First-Time In-Country Partner Visa Applications

A Complete 12-Step Guide You Can Follow To Process Your Own FLR(M) Application

step 1

Check that the FLR(M) visa is right for you and your partner 

What is an FLR (M) visa?

#1 The FLR(M) visa lets the applicant stay in the UK with their partner for 30 months.

It is a partner visa application made from inside the UK, meant for those already here on a long-term visa, fiancé(e) visa, or proposed civil partnership visa.

If the applicant doesn’t hold a long-term UK visa, they must apply from outside the UK — see our UK Spouse visa 2026 guidance.

For those unsure whether an in-country application is possible, see our article Out of Country or In-Country UK Spouse or Partner Visa Application?


#2 An FLR M visa allows the applicant to work in the UK.

However, those applying from a UK fiancé(e) or proposed civil partnership visa cannot work until their FLR(M) application is approved.


#3 An FLR M visa can lead to Indefinite Leave to Remain (ILR) and later British Citizenship.

Most applicants need two FLR(M) grants to complete the five-year route to ILR.

See our article The Route to Indefinite Leave to Remain (ILR) for UK Spouse & Partner Visas in 2026 article for more detail.


#4 The FLR(M) visa does not allow access to public funds such as benefits, tax credits, or housing support.

‘Public funds’ are defined in paragraph 6 of the Immigration Rules and include:

  • Attendance allowance;
  • Carer’s allowance;
  • Child tax credit;
  • Council tax benefit;
  • Council tax reduction.
  • Disability living allowance;
  • Housing benefit;
  • Income support;
  • Jobseeker’s allowance;
  • Personal Independence Payment;
  • Severe disablement allowance;
  • State pension credit; and
  • Working tax credit.

Who can apply for an FLR M visa?

In addition to satisfying the requirements discussed in this article, the applicant (the person applying) will need to be in a relationship with:

  • A British or Irish citizen;
  • A person who has Indefinite Leave to Remain (ILR) or Permanent Residency under EU law;
  • A person who has been granted Settled Status under the EU Settlement Scheme;
  • A person from the EU, Switzerland, Norway, Iceland or Liechtenstein with pre-settled status under the EU Settlement Scheme (& started living in the UK before 1 January 2021);
  • A person who is in the UK with refugee leave or with humanitarian protection; or
  • A person in the UK with permission as a Stateless person.

In addition to this, the relationship must fall within one of the following to apply for an FLR(M) visa:

  • Married partners (including those who were recently granted a UK fiance visa);
  • Civil partners (including those who were recently granted a proposed UK civil partnership visa)
  • Unmarried partners (those who have been in a relationship similar to marriage or civil partnership for at least two years before submitting the FLR(M) online application).
  • Fiancé(e)s or proposed civil partners who have been unable to get married during the validity period of their 6-month fiancé(e) or proposed civil partnership visa but intend to do so within the next 6 months. For such fiancé(e)s or proposed civil partners, the FLR(M) application will only result in a 6-month visa being issued.

Therefore, the main types of FLR(M) visa applicants are:

#1 Those who first received a partner visa after applying from outside the UK.

This includes same-sex couples and unmarried partners.

For those applying from abroad as unmarried partners, see our UK unmarried partner visa 2026 guidance.


#2 Those already in the UK on a non-partner visa who wish to switch to the partner visa category without leaving the country.

To apply from inside the UK, the applicant must not be:

  • In the UK as a visitor;
  • In the UK on a visa valid for 6 months or less (unless on a fiancé(e) or proposed civil partner visa); or
  • In breach of immigration law.

Therefore, eligible applicants commonly hold:

  • Tier 1 visas
  • Tier 2 & Skilled worker visas
  • Tier 4 & long-term Student or Graduate visas
  • Tier 5 visas, including those on a Tier 5 Youth Mobility Scheme visas valid for over 6 months

This list is not exhaustive.

When someone applies for an FLR(M) visa from an eligible UK visa, the process is known as switching to the partner category.

Switching restarts the five-year qualifying period for Indefinite Leave to Remain (ILR).

Example: Switching from a Skilled Worker visa

Grace, a Ghanaian national, received a Skilled Worker visa in 2025.

In 2026, she married her British husband and is considering applying for an FLR(M) visa.

She has two options:

  • Stay on her Skilled Worker visa and apply for Indefinite Leave to Remain after five years of having a Skilled Worker visa; or
  • Switch to an FLR(M) partner visa.

If she switches, the five-year clock toward Indefinite Leave to Remain will restart, as time spent on her Skilled Worker visa will not count toward that period.


“What are the advantages of switching to a partner visa?”

The main benefit of switching to an FLR(M) visa is freedom from the rules tied to a non-partner visa.

It offers more flexibility, particularly with work.

For example, those in the UK on a Skilled Worker visa would no longer be limited to employers who can sponsor them – a key restriction of the Skilled Worker visa.



#3 Those extending a previous FLR(M) visa.

Before applying, the applicant should check if they qualify for Indefinite Leave to Remain (ILR). This typically requires that two 33/30-month partner visas have been granted.

See our article The Route to Indefinite Leave to Remain (ILR) for UK Spouse & Partner Visas in 2026 article.

Note:

Submitting a partner visa extension too early may require a third spouse visa application to complete the five-year qualifying period.

We cover this in step 3 below.



#4 Those who entered the UK on a fiancé(e) or proposed civil partner visa and now wish to stay for another 30 months.

Please note that time spent in the UK on a fiancé(e) visa does not count toward the five-year qualifying period for Indefinite Leave to Remain (ILR).


How much will an FLR M visa cost?

#1 Home Office fee: £1,407. 

This is the fee paid to the Home Office to process the application.

See our detailed guide for a full breakdown of the FLR(M) spouse visa extension fees and costs in 2026.


#2 Immigration Health Surcharge (IHS): £2,587.50.

This mandatory charge gives applicants access to the NHS during their visa period.


#3 Legal fees: £1,000 – £3,000+. 

We typically charge a fixed fee of £2,700 (including VAT where applicable) for full legal representation.

This service is handled by our small team consisting of Ed Lowe, Wendy Foy, and Matthew French — all former Home Office employees.


#4 Super priority service: £1,000. 

This optional service usually provides a decision the next working day after the visa appointment.

The £500 priority service is currently unavailable for FLR(M) applications.


How long will an FLR M visa take?

 

#1 Gathering the required documents can take time — often more than expected, especially financial evidence. Plan well ahead.


#2 Once submitted, the Home Office usually takes up to 8 weeks to process an FLR(M) application.

Applicants won’t become overstayers if they apply before their current visa expires, as Section 3C of the Immigration Act 1971 protects their status during processing.

step 2

Read the FLR M ‘Suitability’ requirements

It is uncommon for suitability requirements to directly affect an application.

However, it is crucial to confirm that none of the following issues apply to your application.

#1 The applicant’s presence in the UK is not conducive (i.e., beneficial) to the public good because of their conduct, character, associations or other reasons.

#2 There are medical reasons resulting in it being undesirable to grant entry clearance, unless there are strong compassionate reasons justifying admission.

#3 There are relevant exclusion, deportation order or travel ban grounds.

#4 The applicant has been convicted of a criminal offence in the UK or overseas for which they have received a custodial sentence of 12 months or more.

#5 The applicant has used deception by making false representations or providing false documents or information in the application, or by not disclosing relevant facts in relation to the application.

#6 The applicant is a persistent offender who shows a particular disregard for the law.

#7 The applicant has committed a criminal offence, or offences, which caused serious harm.

#8 The applicant’s parent or parent’s partner poses a risk to the applicant.

#9 There are relevant exclusions from asylum or humanitarian protection grounds.

#1 Where it is more likely than not that the applicant is, or has been, involved in a sham marriage or sham civil partnership.

#2 Where the applicant, without reasonable excuse, fails to comply with a reasonable requirement to attend an interview, provide information or biometrics, undergo a medical examination or provide a medical report.

#3 A medical inspector advises that, for medical reasons, it is undesirable to grant entry to the person.

#4 The applicant has failed to pay charges under relevant NHS regulations on charges to overseas visitors, and the outstanding charges have a total value of at least £500.

#5 The applicant has been convicted of a criminal offence in the UK or overseas for which they have received a custodial (i.e., prison) sentence of less than 12 months.

#6 The applicant has been convicted of a criminal offence in the UK or overseas for which they have received a non-custodial sentence, or received an out-of-court disposal that is recorded on their criminal record.

#7 Where the applicant or third party did not disclose relevant facts in relation to the application.

#8 Where the applicant or third party, in relation to the application, has made false representations or provided false documents or false information in relation to the application (whether or not relevant to the application, and whether or not to the applicant’s knowledge).

#9 The applicant has failed to pay litigation costs awarded to the Home Office.

If an applicant has breached UK immigration law—such as by overstaying, breaking visa conditions, or entering the UK unlawfully—their application may be refused.

Refusal is mandatory if the application is made during a re-entry ban period, which can last from 12 months up to 10 years, depending on the circumstances of departure from the UK and whether deception or enforced removal was involved.

If the application is made outside those ban periods, refusal is discretionary rather than automatic.

Some periods of overstaying are ignored, including short overstays, late applications supported by a good reason, refusals that were later overturned, and overstays covered by specific COVID-19, BN(O), or exceptional assurance concessions.


step 3

Know when to submit the application

Timing is crucial. Submitting too early or too late can lead to refusal and unnecessary costs.

#1 The FLR(M) application must be submitted before the current visa expires.

Not all applicants can apply in the UK.

For example, those on a visitor visa must return to their home country or country of legal residence to apply. In that case, see our Out-of-Country Guide here.

“Does the visa appointment have to be before the visa expires?”

No. The appointment can take place after the visa expires, as long as the online application is submitted beforehand.

The submission date counts as the ‘date of application’.


“What if my visa expires whilst waiting for a decision?”

If the application was submitted before expiry, Section 3C of the Immigration Act 1971 automatically extends the visa until a decision is made or the application is withdrawn.



#2 For applicants on a partner visa or non-fiancé(e) partner visa, the application should typically be made no more than 28 days before the current visa expires.

Applying too early can force a third, unnecessary FLR(M) application to complete the five-year qualifying period.

See our guide When to Submit a UK Spouse or Partner Visa Application? (2026) for more detail.


#3 For applicants in the UK on a UK fiancé(e) visa or on another type of visa (such as a Skilled Worker visa), the application can be made at any time before the current visa expires.

However, those on a fiancé(e) or proposed civil partnership visa should only apply after the marriage or civil partnership has taken place.

Time on these visas does not count toward the five-year ILR period.

step 4

Make sure that you meet these FLR M relationship requirements

#1 The applicant and sponsor must have met in person.


#2 Both must be at least 18 years old on the date of the application.


#3 Both must intend to live permanently in the UK together. 


#4 The sponsor must be one of the following:

  • A British or Irish Citizen; or
  • ‘Present’ and ‘Settled’ in the UK; or
  • Someone who has been granted Settled Status under the EU Settlement Scheme; or
  • Someone from the EU, Switzerland, Norway, Iceland or Liechtenstein with pre-settled status under the EU Settlement Scheme (& started living in the UK before 1 January 2021); or
  • In the UK with refugee leave or with humanitarian protection; or
  • Someone who has been granted limited leave as a worker or business person under Appendix ECAA Extension of Stay; or
  • Someone in the UK with permission as a Stateless person.

#5 The applicant and sponsor must not be in a relationship that is prohibited.

The Marriage Act 1949

The Marriage Act 1949 prohibits marriages between the following relationships:

Prohibited relationships for a man:

  • Mother;
  • Daughter;
  • Father’s mother;
  • Mother’s mother;
  • Son’s daughter;
  • Daughter’s daughter;
  • Sister;
  • Father’s sister;
  • Mother’s sister;
  • Brother’s daughter; and
  • Sister’s daughter.

Prohibited relationships for a woman:

  • Father;
  • Son;
  • Father’s father;
  • Mother’s father;
  • Son’s son;
  • Daughter’s son;
  • Brother;
  • Father’s brother;
  • Mother’s brother;
  • Brother’s son; and
  • Sister’s son.

The Marriage (Prohibited Degrees of Relationship) Act 1986 prohibits marriage between the following:

  • Mother of former wife, until the death of both the former wife and the father of the former wife;
  • Father of former husband, until after the death of both the former husband and the mother of the former husband;
  • Former wife of son, until after the death of both his son and the mother of his son;
  • Former husband of a daughter, until after the death of both her daughter and the father of her daughter.

#6 The relationship between the applicant and sponsor must be ‘genuine’ and ‘subsisting’.

A Home Office caseworker will assess this based on all evidence provided.

Further explanation can be found in our YouTube video above.


#7 The relationship must meet the Immigration Rules definition of a partner:

  • Married partners
  • Civil partners
  • Unmarried partners who have been in a relationship similar to marriage or civil partnership for at least two years before applying.

Note:

Fiancé(e)s and proposed civil partners are included under the definition of ‘partner’.

However, only those who could not marry or register a civil partnership within their 6-month visa can apply for an FLR(M) fiancé(e) extension.

Most fiancé(e) visa holders will apply for a 30-month FLR(M) as a married or civil partner after their ceremony.



#8 Any previous legally recognised relationships of the applicant and sponsor must have ended permanently. 

Unless an exception applies, proof of this, such as a decree absolute or foreign equivalent, must be provided.

step 5

Make sure that you meet the English language requirement for FLR M visas in 2026

#1 Where the applicant is from any of the following countries, they will just need to include their passport to satisfy the English language requirement:

  • Antigua and Barbuda;
  • Australia;
  • the Bahamas;
  • Barbados;
  • Belize;
  • The British Overseas Territories;
  • Canada;
  • Dominica;
  • Grenada;
  • Guyana;
  • Jamaica;
  • Malta;
  • New Zealand;
  • St Kitts and Nevis;
  • St Lucia;
  • St Vincent and the Grenadines;
  • Trinidad and Tobago; or
  • the United States of America.

The reason for this is that applicants will be deemed to be a national of a Home Office-designated majority English-speaking country.


#2 Where any of the following apply, an applicant will NOT have to take the English language test:

i) If the applicant is 65 years or over at the date of application; OR

ii) If the applicant has a disability (either physical or mental) that stops them from taking the English language test; OR

iii) If the applicant has exceptional & compassionate circumstances that stop them from satisfying the English language requirement. Please note that this is a rather high threshold and you should be careful relying on this.

To qualify for the disability exemption, the applicant must request it in their application and submit valid medical evidence.

This evidence must:

  • Be provided by a qualified medical practitioner specialising in the relevant field; and
  • Clearly outline the physical or mental condition that justifies the exemption.

Each request is evaluated individually on a case-by-case basis.


#3 Where an applicant has an academic English-taught degree, Master’s degree or PhD from a UK university inside the UK, this degree certificate will satisfy the English language requirement.


#4 Where an applicant has an equivalent to a Bachelor’s, Master’s degree or PhD that was taught in English outside the UK, this can be used to satisfy the English language requirement.

However, unlike degrees that were obtained from UK universities in the UK (discussed at #3 above), you will also need to accompany this with documentation from Ecctis (previously UK NARIC).

That said, most partners prefer to take the English language test rather than undergo the Ecctis process.


#5 If none of the above applies, the applicant must pass an approved English language test.

The test must be on the list of Home Office Approved Secure English language tests (SELT) in 2026.

First-time partner visa applications

For partners who are applying for leave to remain for the first time as a married, civil or unmarried partner, the test must be at least A1 level of the Common European Framework of Reference for Languages (CEFR).


Spouse visa extensions

For partners who have already been granted a UK visa as a partner and are extending it after 2.5 years, the test must be at least A2 level.


Fiancé(e) -> FLR(M) visa applications

For married partners who are currently in the UK on a fiancé(e) visa and are applying for an FLR(M) visa, the same English language test (at A1 level or above) can be used – you do not have to sit another English language test for this application.

Example

Jenny was granted a UK fiance visa 3 months ago and is currently in the UK.

She sat the A1 test to satisfy the requirements for her UK fiancé(e) visa.

Jenny can use the same A1 test that she used in her fiancé(e) visa application – she does not need to sit another English language test for this application.

step 6

Gather the documents relating to the FLR M accommodation requirement  

The documents that you will need to submit to meet the FLR(M) accommodation requirement will depend on you and your partner’s accommodation circumstances.

It is important to note the following three things regarding the accommodation requirement:

i) You should provide evidence that you have a legal right to reside in the accommodation that you choose to rely on.

ii) The accommodation must be ‘adequate’.

Accommodation will not be adequate here if it is either ‘overcrowded’ (as defined by the Housing Act 1985) or if it does not meet public health & safety regulations.

iii) The accommodation cannot be prospective. In other words, you must show (by submitting supporting documents) that accommodation has already been arranged before the application is submitted.

step 7

Make sure that you satisfy the FLR M financial requirements in 2026

The spouse visa UK financial requirement in 2026 is, unfortunately, the most common reason FLR(M) applications are refused. 

Because of this, we have written an article that focuses more on this in greater detail here.

Three key points to note: 

i) Applicants can usually use their own income to meet the financial requirement. The exception is for those on a fiancé(e) or proposed civil partnership visa — their income cannot be counted.

ii) The applicant does not need to meet the requirement alone. The sponsor’s income alone can satisfy it, and vice versa.

iii) In most cases, the applicant and sponsor’s incomes can be combined. However, as explained in our detailed guide here, some income types cannot be combined.


There are five main considerations:

#1 What is the required total gross annual income amount that needs to be evidenced?   

i) The adequate maintenance test will apply if the sponsor receives one of the following:

  • Adult Disability Payment;
  • Armed Forces Independence Payment or Guaranteed Income Payment under the Armed Forces Compensation Scheme;
  • Attendance Allowance;
  • Carer’s Allowance;
  • Child Disability Payment;
  • Constant Attendance Allowance, Mobility Supplement or War Disablement Pension under the War Pensions Scheme;
  • Disability Living Allowance;
  • Industrial Injuries Disablement Benefit;
  • Personal Independence Payment;
  • Police Injury Pension; or
  • Severe Disablement Allowance.

In short, the adequate maintenance test usually requires far less income than the standard threshold.

When this test applies, applicants do not need to meet the £18,600 or £29,000 minimum income rule.

As a result, points ii), iii), and iv) below will not apply.

See our full discussion of the adequate maintenance test here. here.


ii) First-time partner visa applications.

The minimum income threshold is based on the rate in effect when the application is submitted.

At present, the threshold is £29,000.

As discussed here, this figure remains while the government reviews the Migration Advisory Committee’s June 2025 recommendations.


iii) Partner visa extensions or Indefinite Leave to Remain (ILR) applications where the first partner visa application was submitted before 11 April 2024.

If the first application as a fiancé(e), proposed civil partner, or partner was made before 11 April 2024 — and the applicant was granted permission on the five-year route — the minimum income threshold is £18,600.

This increases by:

  • £3,800 for the first applying child; and
  • £2,400 for each additional child – up to a maximum threshold of £29,000.

iv) Partner visa extensions or ILR applications where the first partner visa was submitted on or after 11 April 2024

The current guidance states that the minimum income threshold is £29,000, regardless of any dependent children.


#2 What sources of income can be included in the financial requirement? 

The financial requirement can be met through the following income sources:

Salaried employment is usually paid at a minimum fixed rate amount annually and is contracted to a minimum amount of hours that have to be worked.

Non-salaried employment is usually paid at an hourly or another rate, or paid a fee which differs depending on the work undertaken. Unlike that of someone in salaried employment, the number and/or pattern of hours required to be worked may vary.

It is open for cash savings to contribute towards the financial requirement when more than £16,000 has been held in the applicant or UK partner’s bank or savings account for longer than 6 months.

It is also open (in limited circumstances), to rely on cash savings that have not been held for 6 months before the submission of the application.

Our cash savings guide discusses relying on cash savings in more detail.

Self-employment under the Immigration Rules specifically relates to those who are self-employed as a sole trader, as a partnership or in a franchise.

Self-employment income is not the same as income from a company that you or a family member owns.

This is incredibly important to know and is a common mistake that results in refusals.

Our Specified Limited Company Guidance [Sole Directors, Owners and Employees] article discusses specified limited company income in detail.

More information about pension income can be found in our spouse visa UK financial requirement in 2026 guidance.

A comprehensive step-by-step account of the adequate maintenance requirement can be found in our Adequate Maintenance Guidance for UK visas [2026 REQUIREMENTS] article.

You can also include certain “non-employment” income under Category C

This includes:

  • Property rental income;
  • Income from investments, stocks and shares, trust funds or bonds;
  • Maintenance payments from former partners;
  • Ongoing royalty payments, insurance payments and payments from a structured legal settlement;
  • Undergraduate or postgraduate maintenance stipends or grants;
  • Payments under the Armed Forces Compensation Scheme, the Armed Forces Attributable Benefits Scheme & War Pensions Scheme;
  • Interest from savings;
  • UK Maternity Allowance;
  • Widowed Parent’s Allowance;
  • Bereavement Allowance and Bereavement Payment.

#3 What is the relevant period that the above amount needs to be earned? 

 

This depends on type of income relied on. 

You need to know if the employing company is a specified limited company or not – more information on this can be found here.

Income from a ‘specified limited company’

The relevant financial period will be the ‘last full financial year’, which is the year the company prepares the accounts that get submitted to the HMRC and Companies House. It is also the same period as covered by a form CT600, which corresponds to the 12-month accounting year of the UK partner’s company.

The term ‘last full financial year’ here means the most recent year. It does NOT mean the ‘last full financial year’ that is required to submit by UK tax law. Therefore, the UK partner may be required to submit the accounts earlier than he or she necessarily would have otherwise done.


Income from a non-specified limited company

i) Where the applicant or UK partner has been employed for 6 months or longer

That person can choose to base their gross annual income over the 6 months before the submission of the application (under Category A), or up to the 12 months before the submission of the application (under Category B).

ii) Where the applicant or UK partner has been employed for fewer than 6 months

That person MUST base their gross annual income on up to the 12 months before the submission of the application (under Category B).

The difference between Category A and B is discussed in detail here.

That person must have met the financial requirement either in the last full financial year (under Category F), or in the last two full financial years (under Category G).

The relevant financial year(s) will be that covered by the self-assessment tax return and in the UK this runs from 6 April to 5 April the following year.

More information about including income from self-employment can be found here.

The ‘last full financial year’ will be the relevant period.

This is the year that the company submits the accounts to HMRC.

It is also the same period as covered by a form CT600, which is the same period as the 12-month accounting year of the applicant’s or UK partner’s company.

The term ‘last full financial year’ in terms of the Immigration Rules means the most recent year.

Contrary to popular belief, it does NOT mean the ‘last full financial year’ that is required to submit by UK tax law.

The result of this is that the applicant or UK partner may be required to submit the accounts earlier than he or she necessarily would have otherwise done.

More information relating to this can be found in this article here.

The starting point is that cash savings must not drop below the required amount in the 6 month period before submitting the application.

We discuss relying on cash savings to satisfy the financial requirement here.

This depends on what sources of income are being relied on to meet the adequate maintenance test.


#4 How do the Home Office calculate the gross annual income?

Salaried employment is paid at a minimum fixed rate (usually annually) and is subject usually to a contractual minimum number of hours to be worked.

Income from a ‘specified limited company’

The gross annual income will be the gross total of the salary and/or dividends received in the company’s last full financial year, or if the applicant/sponsor prefers, the ‘mean’ average of the last two full financial years.


Income from a non-specified limited company

There are two options that the applicant or UK partner can choose from.

Option 1 (Category A)

You must multiply the lowest total salary payment received in the 6 months before the application by 12 (if the salary is received monthly) or by 52 (if the salary is received weekly).

Here, you can include basic pay, overtime, commission-based pay, payments to cover travel time, bonuses and skills and UK location based allowances.

Option 2 (Category B)

Here, the financial requirement must be met and evidenced in two parts.

Part 1: The person’s gross annual salary, when you apply, must be higher than the financial requirement that applies (£18,600 or £29,000).

This is based on the most recent payslip issued before the application is submitted.

Therefore, you should:

Multiply the total gross amount as stated in the payslip by:

  • 12 (if the payslip is monthly); or
  • 52 (if the payslip is weekly).

Part 2: The person must have received, in the past 12 months before the date of application, more than the financial requirement that applies in gross employment income.

Income from a ‘specified limited company’

The gross annual income will be the gross total of the salary and/or dividends received in the company’s last full financial year, or if the applicant/sponsor prefers, the ‘mean’ average of the last two full financial years.

Income from a non-specified limited company

Here, the financial requirement must be met and evidenced in two parts.

Part 1: The person’s gross annual salary, when you apply, must be higher than the financial requirement that applies (£18,600 or £29,000).

This is based on the most recent payslip issued before the application is submitted.

Therefore, you should:

Multiply the total gross amount as stated in the payslip by:

  • 12 (if the payslip is monthly); or
  • 52 (if the payslip is weekly).

Part 2: The person must have received, in the past 12 months before the date of application, more than the financial requirement that applies in gross employment income.

Non-salaried employment is generally paid at an hourly or another rate, rather than an annual rate. The amount which he or she will receive will differ depending on the amount of work undertaken. Unlike that of salaried employment, the number and/or pattern of hours required to work will differ.

Income from a ‘specified limited company’

The gross annual income will be the gross total of the salary and/or dividends received in the company’s last full financial year, or if the applicant/sponsor prefers, the ‘mean’ average of the last two full financial years.


Income from a non-specified limited company

Option 1 (Category A):

If you choose to base the application on 6 month’s employment earnings (under Category A):

#1 Total the gross (before tax) income from employment in the 6 months before the application is submitted.

#2 Divide this total by 6.

#3 Multiply this number by 12.

This amount is the income from non-salaried employment that can be counted to meet the financial requirement.

Option 2 (Category B)

Two requirements need to be met under Category B.

Requirement 1: The person’s ‘annualised average’ of non-salaried employment must be higher than the financial requirement that applies (£18,600 or £29,000). 

To calculate the ‘annualised average’ for non-salaried employment, the following steps must be followed:

#1 Total the gross income (i.e., before tax) throughout the whole period of current employment, up to a maximum period of 12 months (e.g. 5 months if employment has been held for 5 months).

#2 Divide this total by:

i) the number of months the person has been employed by the current employer (if payment is received monthly); or

ii) the number of weeks the person has been employed by the current employer (if payment is received weekly); or

iii) the number of days the person has been employed by the current employer (if payment is received daily).

#3 If payment is received monthly, multiply the result by 12.

If payment is received weekly, multiply the result by 52.

If payment is received daily, multiply the result by 365.

This amount is the ‘annualised average’ from non-salaried employment that must be higher than the financial requirement that applies.

Requirement 2: The person must have received, in up to the 12 months prior to the submission of the application, the level of financial requirement you are required to meet (£18,600 or £29,000).

If the company that employs the applicant or UK partner IS owned by either the UK partner, the applicant or by the UK partner or applicant’s family AND any remaining shares are held by fewer than five other persons

The gross annual income will be the gross total of the salary and/or dividends received in the company’s last full financial year, or if the applicant/sponsor prefers, the ‘mean’ average of the last two full financial years.

If the company that employs the applicant or UK partner is NOT owned by either the UK partner, the applicant or by the UK partner’s or applicant’s family

Two requirements need to be met under Category B.

Requirement 1: The person’s ‘annualised average’ of non-salaried employment must be higher than the financial requirement that applies (£18,600 or £29,000). 

To calculate the ‘annualised average’ for non-salaried employment, the following steps must be followed:

#1 Total the gross income (i.e., before tax) throughout the whole period of current employment, up to a maximum period of 12 months (e.g. 5 months if employment has been held for 5 months).

#2 Divide this total by:

i) the number of months the person has been employed by the current employer (if payment is received monthly); or

ii) the number of weeks the person has been employed by the current employer (if payment is received weekly); or

iii) the number of days the person has been employed by the current employer (if payment is received daily).

#3 If payment is received monthly, multiply the result by 12.

If payment is received weekly, multiply the result by 52.

If payment is received daily, multiply the result by 365.

This amount is the ‘annualised average’ from non-salaried employment that must be higher than the financial requirement that applies.

Requirement 2: The person must have received, in up to the 12 months prior to the submission of the application, the level of financial requirement you are required to meet (£18,600 or £29,000).

The total income that can be used towards the financial requirement will be the gross taxable profits from the share of the business in the relevant financial year(s).

It is important to note that neither the applicant nor UK partner can include any expenses, deductible allowances or liability that may be applied to the gross taxable profits to establish the final tax liability.

This should be clarified with an accountant.

The amount of employment income that you can include from a specified limited company will be the gross total of the employment income that was received in the specified limited company’s most recent full financial year that passed (under Category F).

The amount of dividend income that you can include from a specified limited company will be the amount of received dividends that were declared during or in respect of the specified limited company’s most recent full financial year that passed (under Category F).

Category G allows you to use the mean average of the two most recent full financial years.

Please note that it would be a mistake to rely on something other than the salary and/or dividends (such as the company’s revenue/profits or director’s loan repayments).


#5 UK spouse visa financial documents checklist 2026

The financial documents that you are required to submit depend entirely on how you meet the financial requirement.

Not only does the source of income determine the required documents, but certain peculiarities can completely change the documentation that the Home Office state that you ‘must’ submit.

“How do I find out what documents I need to include?”

Two main Home Office documents in particular must be read.

Reading these documents will not only tell you what financial documents you need to submit, but it will also tell you the rules that apply to each of these financial documents.

Since the main cause of partner visa refusals is not including the correct financial documents, but the financial documents not complying with specific supporting document rules, it is incredibly important that you read Appendix FM-SE, Family Migration: Appendix FM and Appendix HM Armed Forces Minimum income requirement & Family Migration: Appendix FM and Adult Dependent Relative – Adequate maintenance and accommodation (if the adequate maintenance test applies) in detail.


What is Family Migration: Appendix FM and Appendix HM Armed Forces Minimum income requirement?

Family Migration: Appendix FM and Appendix HM Armed Forces Minimum income requirement is a document published by the Home Office that discusses the financial requirement as it applies to FLR(M) applications (as well as out of country spouse visa applications).

This is where you will want to start because it is phrased in much more understandable language when compared to Appendix FM-SE.

This document will discuss two important aspects of the financial requirement:

  1. Financial documents that should be submitted; and
  2. Specific rules regarding financial documentation.

Where the information in this document is different to Appendix FM-SE, it is the rules in Appendix FM-SE that will be apply.


What is Appendix FM-SE?

Appendix FM-SE is part of the Immigration Rules, which is why what is said here will override any inconsistencies between this and Family Migration: Appendix FM and Appendix HM Armed Forces Minimum income requirement

This is the most important material that discusses the financial requirements of FLR(M) visas that partners are expected to read.

Similarly to Family Migration: Appendix FM and Appendix HM Armed Forces Minimum income requirement, Appendix FM-SE talks about:

  1. Financial documents that should be submitted; and
  2. Specific rules regarding financial documentation.

What is Family Migration: Appendix FM and Adult Dependent Relative – Adequate maintenance and accommodation?

With regards to the financial requirement, Family Migration: Appendix FM and Adult Dependent Relative – Adequate maintenance and accommodation is only relevant to your application if the UK partner receives one of the following benefits:

  • Adult Disability Payment.
  • Armed Forces Independence Payment or Guaranteed Income Payment under the Armed Forces Compensation Scheme.
  • Attendance Allowance.
  • Carer’s Allowance.
  • Constant Attendance Allowance, Mobility Supplement or War Disablement Pension under the War Pensions Scheme.
  • Child Disability Payment.
  • Disability Living Allowance.
  • Severe Disablement Allowance.
  • Industrial Injury Disablement Benefit.
  • Personal Independence Payment.
  • Police Injury Pension.

This is because, where one of the benefits is received, the minimum income threshold of £18,600/£29,000 no longer applies and instead the relevant test is the ‘adequate maintenance’ test.

Category A employment income

As previously mentioned, Category A is for employment income which has been held for longer than 6 months from an employer that is not a specified limited company.

The following are mandatory documents for each source of employment income relied on (whether that is from current or previous employment within the 12 months before applying):

i) Pay slips covering the 6 months immediately prior to the date of application – which is the date the online application is submitted.

ii) If the payslips are not formal, a letter from the employer, on the employer’s headed paper and signed by a senior official, confirming the pay slips are authentic.

iii) Personal bank statements, dating back 6 months before the date of application.

iv) A letter from the employer confirming the person’s employment and gross annual salary, length of employment, the period over which they have been or were paid the level of salary relied upon in the application, and the type of employment, whether that is permanent, fixed-term contract or agency. Because of these requirements, it can be important for the letters to be quite specific.

v) If the person is a director of a UK limited company employer, evidence that the company is not a specified limited company.

The following are not mandatory (although they may be requested by the Home Office caseworker if not submitted in the first instance):

i) An employment contract;

ii) A p60 covering the 6 months before submitting the application.

Please also note that there is also additional flexibility regarding the period the documents must cover for those who are in receipt, or have been in receipt, of maternity, paternity, adoption and sick pay within the 6 months before applying. We discuss this here.

Furthermore, when employment income is combined with self-employment or specified limited company income, the relevant period for the documents changes from the 6 months leading up to the application submission to the relevant self-employment or specified limited company period.


Category B employment income

The following are mandatory documents for each source of employment income relied on:

i) Pay slips covering any period of salaried employment in the period of 12 months before the date of application – which is the date the online application is submitted.

ii) If the payslips are not formal, a letter from the employer, on the employer’s headed paper and signed by a senior official, confirming the pay slips are authentic.

iii) Personal bank statements covering the same period as the payslips.

iv) A letter from the employer confirming the person’s employment and gross annual salary, length of employment, the period over which they have been or were paid the level of salary relied upon in the application, and the type of employment, whether that is permanent, fixed-term contract or agency. Because of these requirements, it can be important for the letters to be quite specific.

v) If the person is a director of a UK limited company employer, evidence that the company is not a specified limited company.

The following are not mandatory (although they may be requested by the Home Office caseworker if not submitted in the first instance):

i) An employment contract;

ii) A p60 covering the relevant period relied on.

Please note that, when employment income is combined with self-employment or specified limited company income, the relevant period for the documents changes to match the relevant self-employment or specified limited company period.

It’s also important to stress again that employment income not received at the time the application is submitted cannot be combined with self-employment or specified limited company income.


Category C non-employment income

The required documents for the many sources of different Category C non-employment income are outlined in paragraph 10 of Appendix FM-SE.


Category D cash savings

It is mandatory to provide the following two documents:

i) Personal bank or savings statements showing at least the level of cash savings relied upon in the application has been held in an account or accounts in the name(s) of the applicant, sponsor, or the applicant and sponsor jointly throughout the required period (the 6 months before submitting the application unless one of the specific provisions applies).

ii) A declaration regarding the source or sources of the cash savings.

Additional documents are required where one of the specific provisions applies (i.e., where there has been a sale of property or investments, stocks, shares, bonds or trust funds within the 6 months before applying).

We discuss this further in the video at the top of this page.


Category E pension income

It is mandatory to provide the following two documents:

i) The Department for Work and Pensions (in respect of the Basic State Pension and the Additional or Second State Pension) or other government department or agency, including the Veterans Agency, an overseas pension authority, or a pension company.

This official documentation must confirm the pension entitlement and amount.

If there have recently been any cash withdrawals from the pension, the official documentation confirming the pension entitlement and amount must reflect the current pension income that is being received when you submit the online application.

ii) At least one personal bank statement in the 12-month period prior to the date of application showing payment of the pension into the person’s account.


Category F self-employment income as a sole trader, partner or franchise

The required documents are set out in paragraph 7 of Appendix FM-SE here.


Category F specified limited company income

The required documents are set out in paragraph 9 of Appendix FM-SE here.

step 8

Write supporting letters for your FLR (M) visa

We generally recommend that supporting letters are included in FLR(M) applications.

They serve two key purposes:

i) They give a clear overview of how the requirements are met, making the Home Office caseworker’s job easier.

ii) They allow you to explain and expand on details from your FLR(M) form.

In these letters, you can describe:

  • How the financial requirement is met
  • How the accommodation requirement is met
  • How the relationship requirement is met
  • The development of your relationship
  • Any clarifications that you’d like to make regarding your answers in the online application form.

step 9

Start completing the online FLR M application form

The latest online FLR(M) application form will be found under the headings ‘How to apply’->’In the UK’ on this page here. 

FLRM Online Application Form

step 10

Make sure you submit the right supporting documents – The FLR M document checklist for 2026

The online application system will provide a list of documents as you progress — which is often helpful.

However, many partners make a major mistake: submitting only the listed documents without reading Family Migration: Appendix FM and Appendix HM Armed Forces Minimum income requirement and Appendix FM-SE.

Skipping these sections is a serious and unnecessary risk for two reasons:

Reason 1 – The FLR(M) document checklist provided on the online application website is not comprehensive.

Since the document checklist is not an exhaustive list, it will not always list documents that will be required.

Additionally, it will not always list documents that should be submitted to have the strongest application possible.


Reason 2 – The FLR(M) document checklist does not explain the specific rules that apply to each document.

The Home Office have strict rules regarding specific documents.

It is for this reason that we would strongly recommend reading Family Migration: Appendix FM and Appendix HM Armed Forces Minimum income requirement and Appendix FM-SE in detail.

step 11

Pay the Immigration Health Surcharge (IHS)

The Immigration Health Surcharge is a mandatory fee (i.e. this must be paid) and amounts to £2,587.50.

immigration health surcharge payment

 

step 12

Submit (& pay) for the FLR M application

The FLR M application is submitted by paying the Home Office fee on the FLR M application website.

After payment has been made, you will then be sent to the TLS website which will allow you to book your appointment to attend the visa centre in person.

At this visa centre appointment, you will provide your biometric information.

“How do I submit the supporting documents?”

There are two options.

Firstly, you can choose to upload the supporting documentation online, via the official website.

Secondly, you can choose to scan the supporting documents at the UK visa centre for an added fee.

Out of the two options, I’d recommend the former – uploading the supporting documentation.

Whilst the online uploading portal used to have an insufferable amount of issues, it now tends to run comparatively smooth.


“Do we get to keep our original documents?”

Fortunately, yes.

Gone are the days that you have to lose possession of your original documents.

Even though you will retain your passports whilst the Home Office processes the visa, the applicant should avoid travelling as this will result in the application being withdrawn.


“How long will I need to wait to get a decision?

This depends on whether you choose to pay for the super priority service.

If you do opt for the standard service, you should expect to hear back from the Home Office within 6-8 weeks.

If you pay an extra £1,000 for the super priority service, processing time is 1 working day.


“What will happen after the visa appointment?”

Once the decision has been made, applicants will normally receive an email with an attached decision letter. This decision letter will discuss the conditions of the visa, as well as the next steps.



Frequently Asked Questions

What FLR(M) visa requirement causes the most difficulties?

It is the financial requirement that is the biggest cause of FLR(M) visa refusals. Because of this, you really must take the time to learn the relevant Immigration Rules as they apply to your application (our free guides will certainly help with this).

Is an immigration lawyer required to submit an FLR(M) visa application?

No – an immigration lawyer is not strictly required. With this being said, you need to make sure that you are fully aware of the relevant FLR(M) visa requirements (which are discussed in detail on this website).

Is original supporting documentation required?

The good news is that recent changes in the Immigration Rules mean that original supporting documentation is not required. Rather, you can submit digital or paper copies of supporting documents.

How are the supporting documents submitted?

There are normally several options that are presented to you. Most commonly, you will be able to choose to upload the documents via the TLS website or use the Assisted Document Scanning service at one of the UK visa centres.


Need any help?

We hope you found our guide helpful.

As an Immigration Advice Authority (IAA) regulated UK immigration law firm specialising in UK partner visas, we are well placed to help.

If you would like us to help you with your application from start to finish, we offer a full legal representation service.

Our full legal representation service is offered by Ed Lowe, Matthew French and Wendy Foy. All three have worked in the heart of the Home Office for many years.

Since we are also unique in that we only offer services relating to UK partner visas, we are extremely well placed to help our clients in the most efficient way possible.

uk spouse visa full legal representation

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