There is widespread news coverage today of the impact that the Government’s Immigration Rules are having on families. The issue is the financial obligations for family members including spouses and children, who want to live in the UK.
UK’s new visa rules ‘causing anguish’ for families from the BBC gives a good overview, as does the story of Kei Yamomoto in the BBC article UK families speak of visa rules pain.
Mr. Yamomoto’s situation is one I have seen repeatedly since July 2012 when the Government’s changes were implemented.
What is the problem?
For a British Citizen or a settled person to be able to bring their spouse to the UK, they must be earning at least £18,600 per year. Evidence shows that this immediately rules out almost half the population of the UK. Savings can be used instead but the minimum level is £62,500 and that must be held in a bank account for at least six months. How many people in the UK have this amount stashed away in a bank account?
The Home Office argue that investments can be used as well but only if they are liquidated. In other words, pull out your investments and put them in a bank account. So even if you have £62,500 invested, you have to lose interest on those investments if you want to rely on them. These amounts increase if there are non-British children involved.
Potentially these rules prevent even multi-millionaires from being able to sponsor their family members. Most financially savvy people with the amounts of money the Home Office require will have money invested in one form or another even if it is in property. In an economy where interest on savings accounts is barely worth the effort, most people want whatever money they have to work hard for them.
So that brings us to another scenario…hypothetical “Mr. Smith” is widowed and retired. He owns ten properties valued at £150,000 each, mortgage-free. He does not have tenants in any of those properties because he is renovating them and this could take twelve months. He earns £8,000 a year from a part-time job. He has £30,000 in investments tied up for two years. In one year he is effectively “worth” the best past of £2 million.
However, his American wife is unable to come to the UK because his properties and his investments (worth a combined £1.8 million) are worthless to the Home Office. Mr. Smith’s only viable option is to sells one of the properties, put the money in a savings account and leave his wife in the States for 6 months.
The whole scenario has to be repeated when Mrs. Smith has to apply to extend her visa in 2.5 years and again 2.5 years after that.
Imagine Mrs. Smith as a mother with two British children. What option does the family have? The children live with Mr. Smith and be deprived of their mother or live with Mrs. Smith in the States and be deprived of their father.
The future?
As the BBC Reports, Baroness Hamwee, chairwoman of the inquiry and Liberal Democrat home affairs lead in the House of Lords, said the parliamentary group had been “struck by the evidence showing just how many British people have been kept apart from partners, children and elderly relatives”
When thinking of immigration, the future can never be certain. It has always been a political tool used by the Government of the day. The courts are already seeing increased appeals against negative decisions and my best guess is that the courts will play a huge and vital role in helping to shape the rules to actually be workable and to prevent families from being separated.
Would you be able to live with your partner?