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The application

Family visit to Manchester, two things missing

A 61-year-old retired public servant applies to visit her daughter in Manchester for five weeks, 3 October to 7 November 2026. The daughter sponsors the trip and provides payslips, bank statements, a tenancy agreement and a landlord consent letter. The applicant provides her pension award, a rental agreement, property deeds and her own bank statements — but photographs only the cover of her passport, and answers "no" to ten years of travel history.

Fictional case. Written to match the depth and wording of a real SaviCheck review, but every name, document number, bank, employer and address is invented.

Case file · Ref SAMPLE-BORDERLINE-01

Borderline

Sudarshi Ranaweera · Standard Visitor visa · reviewed 25 August 2026

Medium confidence

On the evidence assessed this application would otherwise be likely to succeed: the ties to Sri Lanka are strong and the sponsorship is properly evidenced. It has been recorded as borderline because two critical items remain outstanding — the passport bio-data page is not in the bundle at all, and the travel history declared on the form is contradicted by the stamps described elsewhere in your own documents. Resolve both and the assessment moves back up.

Some requirements were judged on partial or indirect evidence.

In summary

This is a credible application for a five-week family visit to a daughter settled in Manchester, and most of it is well made out. The applicant is 61, married, retired from the Sri Lankan public service on an evidenced pension, jointly owns the family home in Nugegoda with her husband, and has a daughter and two grandchildren remaining in Colombo.

The sponsorship is the strongest part of the bundle: the sponsor holds a Skilled Worker visa valid to 2029, her employment and salary are evidenced by six months of payslips and matching bank credits, and she has undertaken in writing to meet accommodation and living costs, with a tenancy agreement and landlord consent letter to support it.

Two problems keep this out of the approval range. First, the passport bio-data page is simply not in the bundle — only a photograph of the cover — so identity and nationality cannot be established at all on the papers as submitted.

Second, the form declares no travel outside Sri Lanka in the past ten years, while the statement of purpose refers to a visit to the sponsor in 2023 and the sponsor's letter mentions collecting her mother from the airport that year; an undisclosed prior visit is a credibility point that a caseworker will take seriously even where the visit itself was entirely lawful.

Neither problem is about the substance of the case, and both are fixable before submission.

This is document-readiness guidance, not legal advice or a prediction of a visa decision.

Financial position

The figures behind the funds assessment, and how they were arrived at.

Net monthly income£171.68
Monthly expenditure£100.33
Monthly disposable income£71.35
Cost of the proposed visit£1,180.00
Visit cost vs monthly disposable income16.5×

Funds counted

£5,944.27

Source is evidenced.

Not counted — source not evidenced

£2,500.00

Declared, but with no documented history to show where it came from.

How these figures were reached

Income
government pension LKR 42,000.00 per month, evidenced by the pension award letter and twelve months of credits to Lakwin Bank account 7719340256, plus rental income of LKR 35,000.00 per month under a written tenancy for the annex at the family home, evidenced by the agreement and matching monthly credits — LKR 77,000.00 in total = £171.68 at £1 = 448.505 LKR as at 2026-08-25.
Expenditure
LKR 45,000.00 per month = £100.33 as declared on the form, which is consistent with the withdrawal pattern on the statement.
Disposable
£171.68 − £100.33 = £71.35.
Trip cost
£1,180.00, being an evidenced return fare of £620.00 (Colombo–Manchester, booked and paid 2 August 2026) plus £560.00 of declared personal spending over 35 days; accommodation and food are provided by the sponsor and are not counted as a cost to the applicant.
Ratio
£1,180.00 ÷ £71.35 = 16.54 — high in isolation, but the visit is sponsored and the applicant is not asked to meet it from monthly income.
Funds counted
the applicant's own Lakwin Bank savings of LKR 486,300.00 = £1,084.27, accumulated steadily from pension and rental credits over two years, plus the sponsor's evidenced UK current-account balance of £4,860.00 held for at least six months with a consistent salary-credit history — £5,944.27 in total, of which the sponsor's share is relied upon under V 4.3.
Funds excluded
a single deposit of £2,500.00 into the sponsor's account on 4 August 2026 with no matching salary credit and no explanation in the bundle; excluded pending evidence of its source. Decision on the evidenced figure: even excluding that deposit, evidenced funds of £5,944.27 comfortably exceed the £1,180.00 cost of the visit, and V 4.2(e) is met.

£1 = 448.505 LKR as at 2026-08-25

Findings

Each requirement is assessed against the Immigration Rules Appendix V.

Identity and nationality

Insufficient evidence

The bundle contains a photograph of the front cover of a Sri Lankan passport, but not the bio-data page. There is therefore no passport number, no date or place of issue, no expiry date and no machine-readable zone against which the name and date of birth on the application form can be checked. The national identity card and its sworn translation are present and internally consistent with the form, and the applicant is a national of Sri Lanka, a visa national listed at VN 1.1(a), so entry clearance is correctly being sought. But identity on a visa application is established from the passport, and this requirement cannot be assessed as met until that page is in the bundle. Nothing here suggests the passport does not exist or would not support the application; the page is simply missing.

V 2.3(c)V 1.1
3 documents reviewed
  • passport-cover.jpg
  • national-identity-card-with-sworn-translation.pdf
  • visa-application-form.pdf

Suitability

Met

The form declares no criminal convictions, cautions or civil judgments, no removal, deportation or exclusion, no overstaying and no breach of immigration conditions in any country. Nothing in the bundle contradicts those declarations. Note that the travel-history discrepancy addressed under the genuine visitor requirement is a credibility matter under V 4.2, not a suitability ground under Part 9; it is recorded there and not here. This finding rests on the applicant's own declaration and will be verified against Home Office records when the application is decided.

V 3.1
1 document reviewed
  • visa-application-form.pdf

Genuine visitor - purpose and permitted activity

Met

The stated purpose is a family visit to the applicant's daughter and grandchild in Manchester from 3 October to 7 November 2026, a period of 35 days. Visiting family is a permitted activity under PA 2 and falls well within the six-month limit at V 4.2(d). The purpose is supported by the sponsor's invitation letter of 28 July 2026, a return flight reservation matching those exact dates, a tenancy agreement for the sponsor's two-bedroom flat and a letter from the landlord confirming that a visiting parent may stay. The dates on the form, the invitation, the flight booking and the sponsor's approved annual leave all agree, and all fall after the assessment date of 25 August 2026.

V 4.2(c)V 4.4
6 documents reviewed
  • sponsor-invitation-letter.pdf
  • return-flight-reservation.pdf
  • sponsor-tenancy-agreement.pdf
  • landlord-consent-letter.pdf
  • statement-of-purpose.docx
  • visa-application-form.pdf

Prohibited activities

Met

There is no indication of an intention to work, to study, to receive payment from a UK source, to access NHS treatment or to marry in the UK. The applicant is retired, will be maintained by her daughter throughout, and states an intention to return to her husband and to the tenancy income that continues in her absence. No medical purpose is disclosed anywhere in the bundle.

V 4.4V 4.5V 4.6
3 documents reviewed
  • statement-of-purpose.docx
  • sponsor-invitation-letter.pdf
  • visa-application-form.pdf

Genuine visitor - ties and intention to leave

Insufficient evidence
Each limb has been graded separately
FAMILY TIESSTRONG
The applicant is married and has lived with her husband at the Nugegoda address for 28 years; he is not travelling with her and remains in employment in Sri Lanka. A second daughter and two grandchildren live in Colombo, and the birth certificates and the second daughter's letter support that.
ECONOMIC TIESMODERATE
A government pension of LKR 42,000.00 per month is evidenced by the pension award letter and a year of matching credits, and rental income of LKR 35,000.00 per month is evidenced by a written tenancy and matching credits. Both continue whether or not she travels, which makes them a reason to return rather than a reason to stay.
PROPERTYSTRONG
The deed and the 2026 local authority rates receipt show the family home at Nugegoda held jointly with her husband, unencumbered.
TRAVEL HISTORYUNRESOLVED
This is the difficulty. The form answers 'No' to travel to the UK, the EEA, the USA, Canada, Australia, New Zealand or Switzerland in the past ten years, and lists no other overseas travel. The statement of purpose, however, refers to 'when I last stayed with my daughter in 2023', and the sponsor's own letter describes collecting her mother from Manchester Airport in October of that year. If a visit took place in 2023 and was completed within its conditions it is a positive factor and should have been declared as one; declared as nil it becomes a discrepancy instead.
UK PULL FACTORSMODERATE
One daughter is settled in the UK on a Skilled Worker visa, which is a genuine pull factor, though it is balanced by a husband, a second daughter and grandchildren remaining in Sri Lanka.
CREDIBILITYQUALIFIED
Nothing in the bundle appears constructed, and the financial documents are internally consistent throughout; the single issue is the undeclared 2023 travel, which on its face is an omission rather than a fabrication, but which has not been explained.
BALANCE
The ties are genuinely strong and would ordinarily carry this requirement. Because the travel history on the form is contradicted by the applicant's own supporting documents, and because that goes directly to whether previous conditions were complied with, the requirement is recorded as insufficiently evidenced rather than met, and it will remain so until the position is stated accurately.
V 4.2(a)V 4.2(b)
8 documents reviewed
  • visa-application-form.pdf
  • statement-of-purpose.docx
  • sponsor-invitation-letter.pdf
  • marriage-certificate.pdf
  • property-deed-and-rates-receipt.pdf
  • pension-award-letter.pdf
  • annex-tenancy-agreement.pdf
  • second-daughter-letter.pdf

Sufficient funds and maintenance

Met

Converting at £1 = 448.505 LKR as at 2026-08-25: the applicant's own income of LKR 77,000.00 per month is £171.68, against declared outgoings of LKR 45,000.00 (£100.33), leaving £71.35 of monthly disposable income, and her own evidenced savings are LKR 486,300.00 (£1,084.27). Standing alone those figures would not comfortably meet a £1,180.00 trip, but the visit is sponsored and the sponsorship is properly evidenced. The cost of the visit is modest because accommodation and food are provided: the only unavoidable outlay is the return fare of £620.00, which is already booked and paid, and £560.00 of personal spending over 35 days. The sponsor's current account shows a balance of £4,860.00 with six months of consistent salary credits from her employer, so the funds relied upon are hers, are available and have a documented history. One deposit of £2,500.00 on 4 August 2026 has no matching credit and no explanation in the bundle, and has been excluded — but the outcome does not turn on it: even without it, evidenced funds of £5,944.27 exceed the cost of the visit several times over. I am satisfied that the reasonable costs of this visit can be met without working or accessing public funds.

V 4.2(e)
7 documents reviewed
  • lakwin-bank-statement-applicant.pdf
  • pension-award-letter.pdf
  • annex-tenancy-agreement.pdf
  • sponsor-bank-statement-6-months.pdf
  • sponsor-payslips-feb-jul-2026.pdf
  • return-flight-reservation.pdf
  • visa-application-form.pdf

Third-party support (sponsorship)

Met
RELATIONSHIP
The sponsor is the applicant's elder daughter. The relationship is evidenced by the applicant's marriage certificate, the sponsor's birth certificate naming both parents, and matching surnames on the identity documents, so V 4.3(a) is satisfied on a genuine family relationship rather than an asserted one.
IMMIGRATION STATUS
The sponsor holds a Skilled Worker visa granted in 2024 and valid to 11 March 2029; a copy of the biometric residence permit and the sponsor's employment contract are in the bundle, and nothing suggests any breach of immigration laws, so V 4.3(b) is satisfied.
CAPACITY
The sponsor's six payslips from February to July 2026 show gross annual pay of £34,800.00 with net monthly pay of £2,240.00, credited to the account relied upon on the same date each month. After the rent of £1,050.00 evidenced by the tenancy agreement, the sponsor retains a margin that comfortably absorbs a visiting parent for five weeks, and she has undertaken in writing to meet accommodation and living costs for the whole period. V 4.3(c) is satisfied.
UNDERTAKING
The invitation letter is signed, dated 28 July 2026 and states the undertaking in express terms.
V 4.3V 4.3(a)V 4.3(b)V 4.3(c)
7 documents reviewed
  • sponsor-invitation-letter.pdf
  • sponsor-brp-copy.pdf
  • sponsor-employment-contract.pdf
  • sponsor-payslips-feb-jul-2026.pdf
  • sponsor-bank-statement-6-months.pdf
  • sponsor-tenancy-agreement.pdf
  • sponsor-birth-certificate.pdf

Action items

Address these before submitting your application.

2 must-fix · 3 recommended

CriticalPassport bio-data page

Only a photograph of the passport cover is in the bundle. Without the bio-data page there is no passport number, issue or expiry date and no way to check the name and date of birth on the form, so identity and nationality cannot be established at all.

What to do

Scan or photograph the full bio-data page — the page with your photograph, passport number, dates of issue and expiry and the two machine-readable lines at the foot — flat, in colour, with all four corners visible and no glare. If your passport expires within six months of 7 November 2026, renew it first and submit the new one.

V 2.3(c)V 1.1
CriticalDeclared travel history (application form) versus the 2023 visit described in your own documents

The form declares no travel to the UK in the past ten years, but your statement of purpose refers to last staying with your daughter in 2023 and her letter describes collecting you from Manchester Airport that October. A previous visit completed within its conditions is a point in your favour; undeclared, it reads as a discrepancy in a section a caseworker checks against Home Office records.

What to do

Amend the travel-history section of the form to record the 2023 visit with its actual dates, and submit the passport pages showing the entry and exit stamps or the vignette for that visit. Add one sentence to your statement of purpose confirming you returned on time.

V 4.2(a)V 4.2(b)

4 more action items in the full review

Everything above — the verdict, the reasoning behind every finding and the funds arithmetic — is the complete review. The rest of the fix list is what you get on your own application, together with the improvement report as a PDF.

Review my documents — $10 for 2

Conditions of a valid application

Steps in the gov.uk application process, not findings about your evidence. They were not assessed and do not affect the verdict — but an application that does not meet them is rejected as invalid without being considered (V 2.6).

  • Submit the online application on gov.uk

    The application must be made online on the gov.uk form "Apply for a UK visit visa". This is a step in the gov.uk process — you may already have done it. It was not assessed and has no bearing on the findings above.

    V 2.1
  • Pay the application fee

    The required fee must have been paid for the application to be valid. This is a step in the gov.uk process — you may already have done it. It was not assessed and has no bearing on the findings above.

    V 2.3(a)
  • Enrol your biometrics at a visa application centre

    You must provide your biometrics (fingerprints and photograph) at a visa application centre when required to do so. This happens after you apply online — you may already have an appointment booked. It was not assessed and has no bearing on the findings above.

    V 2.3(b)

Simulated refusal notice

Home-Office-style wording based on the unmet requirements. This is a simulation, not an official visa decision.

  • V 2.3(c)

    A valid passport or other travel document must be provided with your application. The bundle you have submitted contains only a photograph of the cover of your passport and not the bio-data page, so I have no passport number, no date of issue or expiry, and no means of verifying that the name and date of birth stated on your application form correspond to a valid travel document. I am therefore unable to establish your identity and nationality on the evidence provided.

  • V 4.2(a)

    You have declared on your application form that you have not travelled to the UK in the last ten years. However, your own statement of purpose refers to a previous stay with your daughter in 2023, and your sponsor's letter describes meeting you at Manchester Airport in October of that year. You have not disclosed that visit in the travel-history section of your form and you have provided no passport stamps or vignette relating to it. While your ties to Sri Lanka are otherwise substantial — a spouse, a jointly owned property, an evidenced pension and rental income, and a second daughter with children in Colombo — I must be satisfied that your account of your immigration history is accurate and complete. On the evidence as presently submitted I am not so satisfied.