Are there risks with these sorts of visas? Could we potentially shell out 1k or more only to end up with nothing? The job she's in at the moment pays peanuts (£2-3k) as it's a learning role she's in and getting her over here so she can work/study ASAP is a top priority.
What kind of risks are you thinking of?
The visas are 'tick-box' visas - if you meet all the requirements and send the correct documents, the visa will be granted. Fiance and spousal visa applications made in the US (i.e. by US citizens) have an approval rate of approximately 95-98%.
The 3 main requirements you have to meet for a fiance or a spousal visa are:
Genuine relationshipEvidence that your relationship is real and not a sham for a visa... visits to see each other, time spent together, regular contact by phone, letter or email etc.
Financial RequirementYou make at least £18,600 per year and have done so with the same company for at least 6 months (Category A)
Evidence required:
- 6 months of original payslips showing at least £1550 per month before tax
- 6 months of original bank statements showing the deposit of each payslip
- a letter from your employer stating how long you have been employed, the salary you earn, how long you have been earning it and the type of employment
- your original job contract
- latest P60 (not an absolute requirement - only if you have one/it's relevant for the income you are showing)
See here:
https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/420154/Appendix_FM_Annex_1_7_Financial_Requirement.pdf Accommodation requirementYou have somewhere suitable for both of you to live
Evidence required:
- If you own: your land registry document and mortgage statement
- If you rent: your original tenancy agreement and a letter of permission from your landlord for her to live there too
- If you will be living with family: their land registry document, plus a letter of permission for you to live there (and it won't be overcrowded), mortgage statement
For a fiance visa (and a marriage visitor visa):
Evidence you will marry in the 6 months, for example, evidence of wedding plans, such as email correspondence with the church or registry office regarding possible ceremony dates.