• then reading about the £624 a year immigration healthcare surcharge

    for a settlement I dont think this will apply, its calculated on yearly basis as £200 a year for limited time visas like Tier 2 or Tier 4.

    not sure whether they can enter the UK in January based on the 90-day visa-free stay and then apply

    I think they should be able to but do check; home office calls in and out of country applications 'leave to remain' and 'entry clearance' you will need to read guidance for that. Some visa are not allowed for non-EU to male a leave to remain application with such as tourist visa.

    which’d then be an extra £500 and three months wait...

    Home office generally has two ways to apply, postal or in person, the in person application will give you the decision on the day but will take a couple of weeks for the BRP to arrive, generally the cost is double.

    A good value might be doing postal application and giving that money to an immigration solicitor. I have done applications with and without solicitors and its a world of diff in terms of pain to collect documents etc. Their prices vary a lot, you will get everything between £500 - £2000 per applicant.

  • did a lot more reading overnight and this morning, and it's basically worse than i thought :/
    tried to sort out last minute flights back today, but would need to pass through/transfer in the Netherlands, and since the 29th they need a negative covid test from the past 72hrs. so no dice.

    Unfortunately she can't come to the UK as a visitor and do the application here, against the rules - she'd have to leave again to do it from outside the UK.

    the healthcare surcharge has risen over the past couple of years and it's now £624 a year, with the first 3 years payable up front. So £1533 for the application and £1872 for the surcharge (and then need to get the specific English certificate and preferably pay for the priority service (21 weeks preggo - so no real possibility waiting 12 weeks after we've got our shit together)

    have been using https://www.migrate.org.uk/spouse-visa-uk-2018/ to go through things (ignore the 2018 in the link there, it's been updated since).

  • My apologies.

    I think my tally to home office has surpassed £15k in last decade if thats any comfort.

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