Last week, the Migration Advisory Committee (MAC) published its report on the Minimum Income Requirement (MIR) for family visas. The MAC proposed that the MIR should not be matched to the skilled worker route. They also suggested different calculations that could be used instead for family visa financial requirements and made recommendations to improve the way the MIR is evidenced.
The Report
The Human Impact of the MIR
The report concluded that the MIR, an income threshold which was first introduced in 2012 as £18,600 and in April 2024 was raised to £29,000, has implications for both economic wellbeing and family life, particularly affecting the ability of families to remain together as a family unit. The report considered evidence from organisations, lawyers and individuals and it was observed that the current threshold has led to extended periods of separation for couples, with adverse effects on mental health, relationships, and the development and wellbeing of children.
Problems with the Current Approach
The current MIR is linked to the 25th percentile of earnings for occupations eligible under the skilled worker route. The report highlighted that the use of a threshold based on economic migration benchmarks is misplaced for the partner route, which is designed for enabling family reunification rather than assessing labour market contributions.
The correlation between sponsor income and the future earnings of the non-UK partner was found to be weak, meaning that assessing the applicant’s potential economic impact based solely on the sponsor’s earnings was limited. There are also connected gender-based discrimination issues, since female sponsors may have a higher demand of childcare responsibilities and lower earnings, however the applicant’s prospective income cannot currently be considered.
Proposed Alternatives and Flexibility
Many alternative financial indicators were considered to set an appropriate MIR. Approaches based on living standards were looked at, using measures such as the Minimum Income Standard derived from the Joseph Rowntree Foundation and the Real Living Wage. These measures suggested that an income range between around £23,000 and £28,000 would more effectively support with the necessary living standards and protect families from falling into poverty.
Options based on the financial threshold needed to be ineligible for benefits (with references to Universal Credit eligibility or relative poverty measures) were also considered, with the report stating that such indicators provided a more realistic reflection of the minimum income required to live without dependence on state benefits.
A key conclusion was that a MIR set in the range of £23,000–£25,000 would better balance economic wellbeing and family life, and a higher threshold would reduce the number of applications and lower the cost of migration at the risk of increased hardship for families.
Evidencing income
The MAC’s overall conclusion was that it will be for the government to determine how to prioritise family versus fiscal considerations. The report identified challenges concerning the evidential requirements imposed on sponsors and applicants. The current requirement for sponsors to submit six months of UK payslips can intensify family separation, where a UK-based sponsor has to work here separated from their partner just to build up the right number of payslips.
The difficulties related to capturing self-employment income were highlighted in the report. In the current requirement, self-employment income must be demonstrated over a 12-month period and cannot be combined with cash savings, which was argued to be a rigid requirement. The report suggested that policies should be amended so that cash savings can be counted alongside both employment and self-employment income. This would allow great flexibility in evidencing financial capability, as many applicants have accumulated savings from prior earnings, and would avoid penalising those in self-employment who face timing issues related to tax return filing and income variability.
The report also recommended that the method of evidencing income should be simplified by enabling an approach in which the total income received over a six-month period is annualised, rather than relying on the current rule that multiplies the lowest earning month by a fixed factor. Such a change was suggested in order to protect applicants from adverse outcomes caused by short-term fluctuations in earnings.
Additional Recommendations and Areas for Reform
The report made a recommendation for the Home Office to consider more flexible rules that consider verifiable UK job offers from main applicants. This would allow a more accurate assessment of the actual household income instead of a sole reliance on the sponsor’s earnings. The report states about having different financial thresholds for individual and household income where one or both partners’ income is available to be assessed.
The report also addressed the Adequate Maintenance Requirement (AM), but only from the perspective of partner visas, not other family routes. The report stated that the AM test, originally intended to offer a fairer alternative for applicants in vulnerable circumstances, relies on outdated benefits benchmarks, because Income Support is not a current basis and is being phased out altogether in 2026.
Universal Credit replaced Income Support but involves a number of different components so is not a like for like replacement for Income Support. Various options were presented to update the AM test, including having a new fixed requirement or simply having just the adequate accommodation test, since for the partner route most applicants who receive a qualifying benefit would meet the AM adequate maintenance test anyway.
The report called for improved data collection and standardisation of information, because there were large gaps in the data collected by the Home Office when the MAC came to write this report. MAC opposed to maintaining the current financial requirement aligned with the skilled worker route and has proposed a number of alternative calculation options.
The report makes some useful pragmatic recommendations and pushes for the parent route to allow applications from people who would also be eligible for the partner route, to reduce the harm currently caused to children by family separation. However, some of the financial requirement calculations in the report are not necessarily lower than the current threshold (particularly if the option of ‘household’ income requirements was taken up.
My thoughts
I do believe that changes should be made to financial requirements, as the current financial requirements should reflect the current living standards and national living wage in the UK.
I also believe that changes should be made as to the way the MIR is evidenced. This is to make it easier for applicants to meet the financial requirements.
I do agree that cash savings should be counted alongside both employment and self-employment income. This would allow flexibility in evidencing financial capability, as many applicants have accumulated savings from prior earnings. This would also avoid penalising those in self-employment who face timing issues related to tax return filing and income variability.
If the government accepts the MAC’s proposals for the minimum income requirement, this could result in reduced thresholds for family visas and make it easier to meet the minimum income requirement.
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