And on refusals - hopefully this won't happen and seems unlikely - but if it was refused, then we would have to pay all over again?
Unfortunately, yes, you would have to start over and pay for everything again.
Your original IHS surcharge payment would be refunded (though that can take up to 3 months), but you'd have to pay it again for the second application anyway.
So, to reduce the chances of getting refused, you'll want to be thorough with your documents, and double-check them and make sure they are all in the correct format before you submit the application online.
While it is a tick-box visa (tick the boxes, get the visa), little things can trip you up. For example, if your payslips/bank statements are just 1 day short of a full 6 months, the visa could be refused (someone was refused last year because they applied just 1 day before they qualified for the financial requirement).
We're happy to help you get everything sorted, so you can make sure you have the best chance of success.
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