Secure payment via Stripe · Not legal advice · No refunds after report delivery
556 Guides · Updated April 2026
Spot Your Hidden Refusal Risks| Before You Apply
The UK Home Office refuses thousands of applications every month. ApexVisa analyses your specific circumstances against current UKVI Immigration Rules — before you spend £700–£1,500 in non-refundable fees.
✓ Free to start
✓ No sign-up required
✓ All major UK routes
✓ Based on GOV.UK rules
UK SPOUSE VISA
INCOME£29,000
STATUSVERIFIED
APPROVED
SKILLED WORKER
Risk: Low
£29K
28d
0
Refusals due to evidence gaps
0
Average non-refundable fees lost
0
Of risks identified pre-submission
Common Refusal Grounds
Why applications fail
Most refusals are preventable. The same grounds appear in case after case. Our risk checker identifies which apply to your application before you submit.
Top Refusal Grounds 2025–26
Insufficient funds
82%
Weak relationship
71%
Doc inconsistencies
58%
No travel history
44%
28-day rule breach
38%
Fraudulent docs
22%
The Process
How it works
01
📋
Answer 6 questions
Tell us your visa route, income, absences, and circumstances. Takes under 3 minutes.
02
🔍
AI analyses your risk
Your answers are assessed against current UKVI criteria and the most common refusal grounds for your route.
03
📊
Get your risk report
A clear risk rating, specific concerns identified, and actionable guidance on what to address before you apply.
Visa Routes Covered
Every major UK route
💍
Spouse & Partner
£29,000 income threshold, relationship evidence, FLR(M) extension, ILR pathway.
Maintenance funds, CAS, genuine student test, bank statement rules.
✈️
Visitor Visa
Genuine visitor test, ETA rules, financial evidence, ties to home.
⚠️
Refusal Grounds
All UKVI refusal reasons explained with reapplication strategy.
🏛️
ILR & Settlement
Absence rules, Earned Settlement 2026, Life in the UK test, naturalisation.
How ApexVisa Works
A systematic approach to visa risk
The UK visa system is complex, and caseworkers apply strict criteria from the Immigration Rules. ApexVisa gives you the same framework they use — before you submit your application.
01
📋
Answer our questions
Six structured questions covering your visa route, income, employment status, financial evidence, travel history, and previous immigration issues.
02
⚙️
AI-powered assessment
Your answers are analysed against current UKVI published guidance, the Immigration Rules, and common refusal patterns for your specific route.
03
📊
Receive your risk report
A risk level (Low / Medium / High), specific risk factors identified in your circumstances, and actionable guidance on what to address before applying.
04
📁
Optional: full audit
Upgrade for a comprehensive evidence review, document checklist, and detailed written assessment of your application.
ℹ
Not legal advice. ApexVisa provides information and risk analysis based on publicly available UKVI guidance. We are not a law firm and do not provide regulated immigration advice. For complex cases, consult an IAA-registered adviser.
Transparent Pricing
One-time payment. No subscription.
Choose the level of assessment that matches your application complexity. All plans are one-time payments with no recurring charges.
Basic Risk Scan
£14.99
One-time payment
✓
Written risk assessment report
✓
Top 3 risk factors identified
✓
Route-specific refusal guidance
✓
Delivered within 24 hours
Most Popular
Full Evidence Audit
£29.99
One-time payment
✓
Everything in Basic
✓
Full evidence checklist review
✓
Document gap analysis
✓
Cover letter guidance
✓
Priority 12-hour delivery
Complex Case Review
£49.99
One-time payment
✓
Everything in Audit
✓
Previous refusal analysis
✓
Criminal record / overstay review
✓
Detailed written strategy report
✓
Same-day delivery
Feature
Basic £14.99
Audit £29.99
Complex £49.99
Risk level rating
✓
✓
✓
Risk factors identified
Top 3
All
All + priority
Evidence checklist
—
✓
✓
Cover letter guidance
—
✓
✓
Previous refusal analysis
—
—
✓
Delivery time
24 hrs
12 hrs
Same day
Free Risk Assessment
Check Your Visa Risk
6 questions · Under 3 minutes · No sign-up required
Home›UK Visa Guides
Visa Intelligence Library
UK Visa Guides 2026
Comprehensive guides covering refusal risks, financial requirements, and evidence rules across all major UK visa routes. Reviewed April 2026 against current Immigration Rules.
Browse by Category 8 categories
Spouse & Partner Visa
Income thresholds, relationship evidence, refusal risks, ILR pathway
Skilled Worker Visa
Salary going rates, sponsor requirements, CoS rules, settlement
Student Visa
Maintenance funds, CAS requirements, genuine student test
Visitor Visa
Genuine visitor test, financial evidence, ETA rules, refusal reasons
ILR & Settlement
Absence rules, naturalisation, Life in the UK test, eVisa
Visa Refusal Guides
All UKVI refusal grounds explained with reapplication strategy
Financial Evidence
Bank statement rules, income thresholds, savings calculations
Income thresholds, relationship evidence, refusal risks, FLR(M) extension and the ILR pathway. Aligned with Appendix FM of the UK Immigration Rules.
Last reviewed: April 2026 · Reviewed by Visa Risk Analyst, ApexVisa UK
!
2026 Update: The Minimum Income Requirement is £29,000/year. Transitional Protection only applies if you applied before 11 April 2024.
Check your spouse visa for risk factorsOur free risk checker identifies the issues most likely to cause a refusal.
Guides›Skilled Worker
Skilled Worker Visa
Skilled Worker Visa Guides
Salary thresholds, Certificate of Sponsorship, going rates, dependants, and the path to ILR. Aligned with Appendix Skilled Worker.
Last reviewed: April 2026 · Reviewed by Visa Risk Analyst, ApexVisa UK
!
2026 Update: General threshold is £38,700/year. Shortage Occupation List replaced by Immigration Salary List. Health & Care: £29,000.
Check your Skilled Worker applicationIdentify salary, sponsorship, or documentation gaps before you submit.
Guides›Student Visa
Student Visa
Student Visa Guides
Maintenance funds, CAS requirements, the genuine student test, bank statement rules, and what causes refusals. Aligned with Appendix Student.
Last reviewed: April 2026 · Reviewed by Visa Risk Analyst, ApexVisa UK
!
2026 Update: London maintenance: £1,483/month. Outside London: £1,136/month. Funds must be held for 28 consecutive days.
Check your Student Visa applicationIdentify maintenance fund or genuine student test issues before you submit.
Guides›Visitor Visa
Visitor Visa
Visitor Visa Guides
The genuine visitor test, financial evidence, ties to home country, ETA requirements, and avoiding common refusal grounds. Aligned with Appendix V.
Last reviewed: April 2026 · Reviewed by Visa Risk Analyst, ApexVisa UK
!
2026 Update: Electronic Travel Authorisation (ETA) is required for EU, US, Canadian, Australian, and other previously visa-exempt nationals.
Check your Visitor Visa applicationFind out what refusal risk factors exist in your specific situation.
Guides›ILR & Settlement
ILR & Settlement
ILR & Settlement Guides
Indefinite Leave to Remain, absence calculations, Earned Settlement Model 2026, naturalisation, Life in the UK test, and eVisa.
Last reviewed: April 2026 · Reviewed by Visa Risk Analyst, ApexVisa UK
!
2026 Update: The Earned Settlement Model has been introduced. Compliance during your qualifying period is now formally assessed.
Check your ILR eligibilityFind absence, employment, or compliance issues that could affect your application.
Guides›Refusal Reasons
Visa Refusal Guides
UK Visa Refusal Reasons
Understand exactly why UK visa applications are refused — and what to do about it. Each guide explains the refusal ground and how to address it before reapplying.
Last reviewed: April 2026 · Reviewed by Visa Risk Analyst, ApexVisa UK
Identify your refusal risks before you applyOur free checker flags the specific grounds most likely to affect your application.
Guides›Financial Rules
Financial Requirements
Financial Rules & Evidence
Every financial requirement across UK visa routes — income thresholds, bank statement rules, savings calculations, and what caseworkers actually check.
Last reviewed: April 2026 · Reviewed by Visa Risk Analyst, ApexVisa UK
i
Key 2026 Thresholds: Spouse visa income £29,000/yr · Skilled Worker £38,700/yr · Student maintenance London £1,483/month · Outside London £1,136/month · Savings route £88,500.
Check your financial evidenceIdentify specific gaps in your financial evidence before you submit.
Guides›Evidence Requirements
Evidence Requirements
Evidence & Documents
Cover letters, employment letters, document translation rules, and how to organise your evidence bundle for maximum impact.
Last reviewed: April 2026 · Reviewed by Visa Risk Analyst, ApexVisa UK
Get your evidence bundle reviewedOur Full Evidence Audit identifies missing documents and weaknesses.
Check your visa for hidden risk factorsAnswer 6 questions and get a personalised risk report — free, instant, no sign-up.
Frequently Asked Questions
Common questions
Yes — the 6-question risk checker is completely free with no sign-up required. Paid plans (£14.99–£49.99) are available for a detailed written assessment of your specific evidence.
No. ApexVisa UK is a risk intelligence and information service. We are not a law firm and do not provide regulated immigration advice. For legal advice on your specific application, consult an IAA-registered immigration adviser or solicitor.
All guides have been reviewed against current UKVI published guidance and the Immigration Rules as of April 2026. We review for major policy changes regularly. Always verify current requirements on GOV.UK before submitting any application.
We cover Spouse/Partner Visa, Skilled Worker Visa, Student Visa, Standard Visitor Visa, Health and Care Worker Visa, ILR and Settlement routes, and British Citizenship (naturalisation). The checker covers all major routes with route-specific questions.
Paid plans provide a detailed written risk assessment based on your specific route and circumstances, an evidence checklist, identification of all risk factors, and guidance on how to address them. The Complex Case Review (£49.99) additionally covers previous refusals, overstays, and criminal records.
Due to the nature of digital assessment services, refunds cannot be issued once a report has been delivered. If you experience a technical issue with your purchase, contact us within 7 days.
About ApexVisa UK
What we do
ApexVisa UK is a visa risk intelligence platform. We analyse publicly available UKVI guidance, the Immigration Rules, and documented refusal patterns to help applicants understand the risks in their specific situation — before they submit an application and pay non-refundable visa fees.
Not Legal Advice
ApexVisa UK is not a law firm and does not provide regulated immigration advice. Nothing on this website constitutes legal advice. For regulated advice on your specific circumstances, consult an IAA-registered immigration adviser or an SRA-regulated solicitor.
Information Accuracy
All guides are based on publicly available UKVI published guidance and the Immigration Rules as of April 2026. Immigration law changes frequently. Always verify current requirements on GOV.UK before submitting any application. We accept no liability for decisions made based on information on this website.
Data Sources
Our guides reference and link directly to official GOV.UK sources including the Immigration Rules, Appendix FM, Appendix Skilled Worker, Appendix Student, Appendix V (Visitor), and Migration Statistics. All references are linked at the end of each guide for verification.
No Refunds Policy
Due to the nature of digital services, refunds cannot be issued once a paid assessment report has been delivered. If you experience a technical issue, contact us within 7 days of purchase.
